vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Affirm , Inc., due to their failure to report my loan accounts to all three major credit reporting agencies ( XXXX XXXX and XXXX  ) as initially disclosed at the time of approval. 

When I was approved for credit through Affirm, I was clearly assured that my on-time payments would be reported to all major credit bureaus. This was a key factor in my decision to proceed with Affirms financing offer, as I intended to build and maintain positive credit history. 

However, I have recently reviewed my credit reports and discovered that the Affirm account is either not reported at all or is only reported to one credit bureau, which results in an incomplete and inconsistent credit profile. Despite multiple inquiries to Affirms customer service, I have not received any resolution or clarification regarding their reporting practices. 

Applicable Laws and Consumer Rights Under the Fair Credit Reporting Act ( FCRA ), the following provisions are relevant : 15 U.S.C. 1681s-2 ( a ) : Furnishers of credit information, such as Affirm, have a duty to provide accurate and complete information to credit reporting agencies if they choose to furnish data.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in credit reports.

15 U.S.C. 1681n and 1681o : Establish civil liability for willful or negligent noncompliance with the FCRA.

While the FCRA does not require furnishers to report to all bureaus, if they do choose to report, they are obligated to do so accurately, consistently, and in good faith. Failure to report in a timely and complete manner across bureaus may misrepresent a consumers creditworthiness and limit access to financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AL

Complaint narrative:
I was notified that my personal information was exposed in several data breach to include Equifax, XXXX XXXX XXXX, XXXX XXXX etc. My bank account information, date of birth, address, Social Security Number, telephone number, email address, home address was all exposed. There is a collection/charge off on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed that I don't acknowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: AL

Complaint narrative:
I was notified that my personal information was exposed in several data breach to include Equifax, XXXX XXXX XXXX, XXXX XXXX etc. My bank account information, date of birth, address, Social Security Number, telephone number, email address, home address was all exposed. There is a collection/charge off on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed that I don't acknowledge

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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
I am writing in regards to Volvo Car Financial account # XXXX for continuing to report inaccurate information on my credit file. 
I don't know what this balance which is reporting, The data reporting is incomplete. no late payments have ever been report how can a balance be listed.I have disputed this before and it seems to have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


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

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My navy federal account was charged off due to returned temporary credits during my XXXX years when my card was stolen multiple times I explained to the bank that those charges were not made by me. The bank is requiring I pay XXXX to open my account back up but they have done no true investigations regarding my claims and told me they can not over ride the decision that was made. I will not pay for being frauded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Account Radius Global Solutions LLC account # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$1800.00} Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account in Dispute : XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$0.00} Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account in Dispute : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reported Balance : {$560.00} Account in Dispute : XXXX Account Number : XXXX Reported Balance : {$0.00} Account In Dispute : XXXX  Account Number : XXXX Reported Balance : {$0.00} Account in Dispute : XXXX Account Number : XXXX Reported Balance : {$0.00} Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$3200.00} Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$7900.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

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 2025-06-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Creditor Name * Experian - * * Account Opening Date * * : XXXX XX/XX/year> - * * Current Status * * : Reported as " written off '' Over the past five years, I have made several attempts to address the status of this account as it is negatively impacting my credit report. Despite communicating with multiple representatives and providing necessary documentation to support my case, no action has been taken to rectify the situation.

Here are the key details of my experience : 1. * * Attempts to Resolve * * : I have contacted Experian several times via phone and email, discussing my issues with different representatives. Each time, I was assured that my concerns would be escalated, but there has been no follow-up or resolution.

2. * * Documentation Submitted * * : I have submitted proof and documents to Experian, which support my claim regarding the accurate reporting of my account status. However, the Experian has not amended the report or provided a valid explanation for their actions.

3. * * Current Impact * * : The continued reporting of this account as written off is detrimental to my credit score and financial wellbeing. I have followed all recommended dispute processes without success.

Given these circumstances, I request the CFPB 's assistance in resolving this matter. I would like to see corrective action taken to remove or amend this account from my credit report as it is inaccurately affecting my financial standing. 

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL XXXX. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX, FL XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX FL XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-06-12 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: Colony Brands, Inc.
State: VA

Complaint narrative:
I have an account listed for Montgomery ward that I do not have recollection of and my year of birth is WAY off. I was not born anywhere close to XXXX  as stated in my personal information section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Equifax Experian and TransUnion credit agencies will not give me my credit reports. 
They keep referring to my old outdated phone numbers that I no longer have and also they keep using archaic email address that I am not able to access. 
Also I found years ago when and if I did get them it was all in code not understandable to me. 
And they do not fully disclose all information about me like public records or alleged debts. 
Also they have been using outdated information about me Double names even triple names that I have never used. 
They also do not require a legal signature of hard pulls or verify alleged debts negative information. 
They do not remove old and outdated information from my file. 
My data was breached by experion credit but they have never ever resolved this issue or made any kind of settlement with me. 
This has been ongoing for years and I have reached out to you. And the credit reporting agencies say they have resolved the issue. But they are never addressed. Also they are not verifying that the debt on my report is true and correct. There are false items negative items that have been on my reports for many many years and never resolved. All they do is tell you they took care of it. But nothings has been done. I. Really do not understand why I have to hire a lawyer to resolve things that are not my issue and go through the expense of suing these credit reporting agencies for inaccurate information out dated information and false names and archaic addresses where I have not lived for years. My data was breached and nothing has been done by transunion to resolve fix or correct all these assumed debts hard pulls and other irrelevant information to me the consumer. I have deputed many items on all three credit reporting agencies over the years. To no resolution. Damaging my reputation and job prospects insurance rates raised and denied dwellings cars credit cards. 
Please please have them take corrective action. That is why I am going to you to resolve this for me.

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 2025-06-12 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: Source Receivables Management LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I need yall to remove this account off my report for XXXX  and XXXX  and XXXX  because I never apply for this account it was open in my name without my permission as fraudulent and unauthorized and identity theft and my ssn is XXXX I need it to be removed from all 3 of my credits reports at all 3 bureaus for account for XXXX XXXX XXXX and dispute it too etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX  XXXX - Balance : {$120.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation