vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I am writing to dispute negative information that appears on my credit report. I have identified the following entries that require review : XXXX. XXXX XXXX XXXX- The account is marked with a balance of {$10000.00}, and it is listed as a charge-off with 150 days past due. Please verify this account and ensure it is accurately reported. If this can not be confirmed, I request its removal from my credit report. 
XXXX. XXXX - This account is reported with a 30-day late payment. Please verify this and make any necessary corrections to the payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the accuracy of the items listed on my Experian credit report. Please review the following details for corrections. 

Charged Off Accounts None Inquiries XXXX XXXX XXXXXXXX, XXXX : XX/XX/year> XXXX XXXX, Date : XX/XX/year> Positive Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
ON XX/XX/year> I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  later that day I realized that I had ordered the wrong XXXX so I placed a second order for the correct XXXX XXXX XXXX Later that evening I sent an email to cancel both orders as my wife informed me that she had already order the same XXXX  from XXXX XXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  said that they could not cancel the orders and to return them once I received them. 
Both XXXX ordered from XXXX XXXX XXXX XXXX  were bought using monthly payments from Affirm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I shipped both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using XXXX ( I have the receipts ) Both items were received by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and signed for by XXXX. ( I have a copy of the XXXX delivery Notification XXXX XXXX XXXX XXXX was suppose to contact Affirm ( XXXX XXXX XXXX to cancel the XXXX loans. 
Affirm ( XXXX XXXX  ) refuses to cancel XXXX of the loans and has continuously threatened me. I have twice submitted the shipping receipt and the XXXX delivery notification to Affirm ( XXXX XXXX ) however they continue with collection against me and my XXXX credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this statement to request a formal review and correction of multiple inaccurate, incomplete, or unverifiable credit entries being reported on my credit file. These errors are negatively impacting my credit standing and do not reflect accurate or current information. I have attempted to resolve these issues directly with the credit reporting agencies and/or data furnishers without full resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
On Friday, XX/XX/2025 i made an erroneous payment to Barclaycardus, from my online XXXX XXXX  XXXX bill pay account. 

On Friday, XX/XX/2025 an automatic payment was made, in addition to the erroneous payment, in the amount of {$160.00} On Saturday, XX/XX/2025, XXXX  XXXX XXXX could not stop the erroneous payment, of {$1800.00}. 

On Monday, XXXX XXXX I spoke in a conference call with supervisors representing XXXX, Barclaycardus and I was told that because of a small charge that they could mail me a check for {$17.00} -- XXXX. That would arrive in 7 - 10 business days. 

On Tuesday XXXX The supervisor, XXXX, employee # XXXX, explained that Barclay " back room '' kept the money instead of mailing it to satisfy some existing debt on the card. 
I explained that the payment was made in error. 
And, that I requested the funds be returned to me. 
All of these details were notated on the account with the supervisor on XXXX. 
I explained to XXXX, that these were vital funds that left my account in error and that Barclays, had no right to keep these funds. 
Finally after XXXX minutes of discussion with her, made a new request, asked for the ACH transfer to be expedited, and asked for the full XXXX to be returned, without the {$29.00} ACH fee. 
XXXX could not guarantee that the " back room '' would not reverse the charges again. 

I am still in limbo, with funds not returned to my account. 
There was a monthly electronic payment made on XX/XX/2025. 
Barclaycard us had no right to reverse the supervisor 's decision to a refund erroneously made payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several entries on my Equifax credit report that I believe to be inaccurate. 
Upon reviewing my report, I identified multiple negative accounts that require investigation and correction. Below are the accounts in question : XXXX XXXX XXXX XXXX Account Number : XXXX Account Status : Open Balance : {$770.00} Credit Limit : {$800.00} Issue : The account is showing 96 % utilization. While I have made consistent payments, this high percentage could inaccurately affect my credit score. I request a review of the account and any necessary adjustments. 
XXXX. XXXX XXXX Account XXXX : XXXX Account Status : Open Balance : {$1000.00} Credit Limit : {$3200.00} Issue : This account is also listed as 33 % utilization. While I have made on-time payments, I would like to ensure that the reported balance and utilization are accurate and up to date. 
XXXX. XXXX XXXX Account Number : XXXX Account Status : Open Balance : {$280.00} Credit Limit : {$300.00} Issue : The account shows 95 % utilization, which may be inaccurate or potentially overstating my credit usage. Please verify and correct this information. 
XXXX. Late Payments/ Charge-Offs ( General Discrepancy ) Issue : Several accounts on my report show late payments or charge-offs, some of which were paid on time or incorrectly reported. I dispute these items and request verification or removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing the following items on my TransUnion credit report that appear inaccurate or unverifiable. 

1. Charged-Off Accounts : Bankruptcy, XXXX XXXX. XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account No. XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Please verify these accounts directly with the original creditors. Remove any items that can not be fully verified. 

XXXX. Late Payment : XXXX XXXX XXXXXXXX, Account No. XXXX I dispute this late payment and request verification. Remove it if unverifiable. 

I am requesting a full reinvestigation under the FCRA and written confirmation of the results. 

SUMMARY FOR CFPB COMPLAINT I am submitting this complaint because several items across my credit reports with XXXX, XXXX, and TransUnion appear to be inaccurate, outdated, or unverifiable. I have requested that each credit bureau perform a full reinvestigation under the Fair Credit Reporting Act. 

I am asking for the CFPBs assistance in ensuring that any unverifiable or inaccurate informationincluding charged-off accounts, inquiries, and late paymentsbe corrected or removed so my credit reports reflect only accurate and verified information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the following inquiries and late payment information currently appearing on my Experian credit report. I do not recall authorizing some of these inquiries, and I am requesting a reinvestigation to confirm whether they meet FCRA standards for a permissible purpose. 

Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that Experian confirm whether these inquiries were made with my explicit consent and that they were done for a permissible purpose under the FCRA. If Experian can not verify proper authorization, please remove the inquiries immediately. 

Late Payment Account in Dispute : XXXX XXXX Account No. XXXX I am requesting verification of this accounts payment history. If Experian can not confirm the accuracy of the reported late payments, I ask that the late marks be corrected or removed. 

Thank you for your prompt review and for providing me with a written update of your findings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation