vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a formal complaint against IQ Data XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), by failing to provide required debt validation while continuing to report the alleged debt to the credit bureaus. 

In XXXX of 2019, I sent IQ Data XXXX a written Debt Validation Letter via mailwithin 30 days of their initial communication. This letter requested full validation of the alleged debt, including : 1. Verification that I am legally obligated to pay.

2. Name and address of the original creditor.

3. A copy of the original signed lease or agreement.

4. Itemized accounting of the charges.

5. Proof that IQ Data XXXX has the legal right to collect in my state. 

IQ Data XXXX has not provided any of the requested validation, yet they have continued to report the alleged debt to [ XXXX XXXX XXXX XXXX XXXX ]. This constitutes continued collection activity without validation, which is prohibited by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent accounts from my credit file as required by law. The accounts in question include XXXXDEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXXXXXX XXXX XXXXDEPT OF ED XXXX, XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXXDEPT OF ED XXXX, XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXXXXXX XXXXDEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXXDEPT OF ED XXXX which XXXX/DEPT OF ED confirmed would be deleted but remains on my report. All of these accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Equifaxs refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Complaint Regarding Affirms Unfair Debt Collection Decision Merchant Failure to Deliver Services Dear CFPB, I am submitting this complaint regarding Affirm , Inc. and their decision to send my loan account to a debt collection agency despite clear evidence that the merchant, XXXX XXXX, failed to deliver the services I paid for through Affirm financing. 

On XX/XX/XXXX, I purchased a XXXX XXXX boot camp treatment package for my daughter, consisting of XXXX treatments, from XXXX XXXX XXXX The merchant has only provided three treatments and has failed to complete the remaining XXXX sessions. On XX/XX/XXXX, at XXXX XXXX, the owner, XXXX, confirmed in a XXXX message that there were still pending services to be provided. Despite multiple attempts to contact her via text, email, and letter, the merchant has not responded or resumed the treatments. 

I presented Affirm with this written proof that the service was incomplete and that the merchant failed to fulfill the contract. Instead of holding the merchant accountable, Affirm favored the merchant by keeping them paid in full and pursuing me for the balance. This is essentially requiring me to pay for a service that was never fully provided, which I believe constitutes fraud by the merchant and an unfair debt collection practice by Affirm. 

I have also filed a complaint with the New Jersey Division of Consumer Affairs, which is currently investigating the merchants conduct. Nonetheless, Affirm has chosen to escalate the matter to a collection agency rather than address the core issue that the merchant did not fulfill their obligations. 

I request the CFPB to investigate Affirms actions and require them to : Cease all debt collection efforts against me for this disputed charge ; Pursue recovery from the merchant instead of penalizing the consumer ; and Correct any negative reporting to the credit bureaus related to this dispute. 

I am providing documentation of the merchants written admission, my communications with Affirm, and my formal dispute notice for your review. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I am submitting this follow-up and escalation to my original complaint, in response to the letter dated XX/XX/XXXX from Citizens Banks XXXX XXXX XXXX XXXX XXXX 

In their reply, Citizens Bank states that they verified the information with Equifax, TransUnion, and Experian, and therefore will continue reporting it. However, their verification fails to address the core legal issue : 1. The data being reported is inconsistent and contradictory across bureaus Equifax reports my XX/XX/XXXX payment as Current/ Pays As Agreed. 

TransUnion reports the same month as 60 Days Late. 

This is impossible to reconcile either the payment was current or it was late. It can not be both. 


2. FCRA requires deletion of unverifiable or inconsistent information Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must delete it. 

Citizens Banks verification merely confirmed that the information in their own records matches what they reported it did not resolve the direct contradiction between bureaus. 

Because they can not produce a single, consistent, and accurate account status for XX/XX/XXXX, the information is unverifiable under the FCRA and must be deleted from all credit reports. 


3. Impact on lending decisions The presence of any late payment notation especially when conflicting across bureaus directly harms my ability to obtain credit, as lenders may see the derogatory mark on TransUnion and assume higher risk, despite XXXX showing otherwise. 

XXXX. Requested XXXX I respectfully request that the CFPB require : Immediate deletion of any XX/XX/XXXX delinquency notation ( XXXX, XXXX, or otherwise ) from all credit bureaus for this account. 

Suppression of this disputed data from all lender-facing versions of my credit report, so no lender, insurer, or underwriter can see or factor in the disputed entry. 

Written confirmation from XXXX XXXX  and the CRAs that the derogatory payment history for XX/XX/XXXX has been fully removed and will not be reinserted without proper certification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This is not a dispute about whether Citizens Banks internal records say the payment was late this is a dispute about the accuracy and consistency of the information being furnished to the CRAs. Inconsistent data across bureaus is inherently inaccurate and must be removed under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX XXXX XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Michael J Adams PC
State: TX

Complaint narrative:
XXXX XXXX won a judgement against me, and appointed a Receivership, Michael J. Adams, the receivership, they levy my bank account as well as my father 's bank account who is XXXX XXXX XXXX and I am a signer on his account. The debt was for {$1700.00}, the receivership fees were {$420.00} so the total they took from my bank account was, {$2100.00} and the total they took from my father 's account was {$2100.00}. I sent in my personal documents proving that my account as well as my father 's account was protected because of Social Security and Pension, and my father 's account was protected because of Social Security. The bank had a court order so they only held the money for about 3 days, meanwhile after receiving all of my documents, Michael J. Adams ignored these documents, paid off the debt collection company, XXXX XXXX and sent in information to the courts ( XXXX XXXX XXXX XXXX ) claiming they only received {$2100.00}, which in fact they receive a total of {$4200.00}. I did file the Protected Property Claim Form with the Courts, but after I told them that Michael J. Adams stated they would refund the money back, the Court put my file on hold to see if the money would be returned. They paid XXXX on XX/XX/year> and as of this date, I have not received my refund as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not been able to access a current copy of my credit report from Experian since XXXX XXXX Multiple times I tried to apply for credit from different financial institutions and was denied due to. They were unable to pull the credit report from Experian.

Multiple times I tried to contact Experian, however, getting through to their customer service is impossible For a while, I was paying membership fees and even upgraded my membership at one point in hopes of trying to resolve the issue with no success At one point, I canceled my membership since I was unable to pull a current credit report After all, why was I paying membership dues and unable to get current information. It just didnt make any sense. 
I have also applied for a home loan paid extra money to have my credit report pulled only to find the financial institution was unable to pull it. 
My process in hopes for home ownership has now been put on hold for the past 6+ months. 
My credit profile was not frozen My credit profile had no fraud indicators And yet Experian was unable to provide me with the current copy of my credit report and or allow other financial institutions to pull my credit profile. 
In addition within the last year, I went car shopping and my credit report was pulled multiple times because they could not pull my Experian file! 
Now I have over 21 inquiries that will take two years to drop off totally unfair!

( this may not show up under the Experian credit bureau however, once Experian updates my information once again this will affect me negatively ) Just today, I was finally able through some miracle get through to Experian and they said it was because my address was not on file! And that the issue should be resolved within 72 hours.

Huh?!?!?

I feel that I should be compensated For this this disservice!

I know that I cant be the only one going through this with this credit bureau! 
Thank you so much for taking my complaint. It is appreciated.

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 monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding what appears to be a mixed credit file containing information that does not belong to me. Several accounts remain listed on my credit report despite my prior dispute, even though I have never had any accounts or business relationships with the companies named. Additionally, the identifying information tied to these entries does not match my own. 
Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The continued presence of these mixed-file entries demonstrates a failure to comply with this requirement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXX/XX/year>

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 2025-08-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis continues to report information they know is incorrect. I have you an opportunity to delete the information or disclose your method of verification. You did not comply for that reason alone you will now be sued. I will be seeking damages in the amount of {$2500.00}.

Company response to consumer: Closed with explanation