vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am contacting you regarding a loan account I opened with Affirm, which is now appearing on my credit report as reported to XXXX. When I applied for and accepted this loan, Affirm clearly advertised and promoted that loans would not be reported to the credit bureaus, which strongly influenced my decision to use your service. 

At no point during the application or approval process was I made aware that this loan would appear on my credit report. I relied on Affirms original public stance that XXXXXXXX XXXX XXXX XXXX  loans through your platform would not affect my credit unless delinquent or in default. 

This sudden appearance of a tradeline is not only inconsistent with what was advertised, but it also has caused a negative impact to my credit file and overall financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my credit file related to a collection account from XXXX XXXX XXXX, originally associated with XXXX XXXX XXXX XXXX, XXXX. 

This account is currently listed on my credit reports from Experian and TransUnion. After reviewing the entries, I have found multiple discrepancies and violations of the Fair Credit Reporting Act ( FCRA ), which I request be promptly reinvestigated and corrected or removed. 


XXXX XXXX Inaccuracies : XXXX. XXXX Account XXXX XXXX TransUnion reports the account as a XXXX XXXX Account, which is inaccurate. XXXX is a debt buyer/collection agency, not a factoring company. 
This misclassification is misleading and not consistent with accurate and fair reporting as required by FCRA XXXX ( b ). 
XXXX. Inconsistent XXXX Dates Experian reports a last update on XX/XX/XXXX, while TransUnion shows XX/XX/XXXX. 
These conflicting dates raise questions about the accuracy and timeliness of the data. 
XXXX. XXXX XXXX XXXX XXXX Experian reports a XXXX status every month from XXXX through XXXX, despite no payment activity. 
This repetitive negative reporting is potentially misleading and may violate the spirit of the FCRA by amplifying the negative impact without new activity. 
XXXX. Potential Re-Aging of Debt I request verification of the Date of First Delinquency ( DOFD ) on this account. 
If the XXXX is earlier than XX/XX/XXXX, the account should no longer appear on my credit report and must be deleted.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting a formal complaint against Experian Information Solutions , Inc. for failing to conduct reasonable and lawful reinvestigations into my disputes, in direct violation of the Fair Credit Reporting Act ( FCRA ), and unfair practices prohibited by the Consumer Financial Protection Act ( CFPA ).

Despite multiple written disputes submitted to Experian, I continue to see : Hard inquiries that I did not authorize, Late payments that are inaccurate or unverifiable, and A bankruptcy entries that I believe is misreported or obsolete.

Experian 's responses have been vague, automated, and devoid of any verifiable documentation, indicating they failed to conduct a meaningful investigation or verify information with the furnishers. 

On XXXX, the CFPB filed suit in the U.S. District Court for the Central District of California XXXX Case XXXX ), alleging that Experian engaged in widespread misconduct by : Conducting sham reinvestigations, including failing to intake, process, investigate, and properly notify consumers of results ; Mischaracterizing or omitting consumer dispute details, using generic dispute codes ( e.g., claims inaccurate information ) instead of precise codes, and failing to include attached documentation ; Excessive reliance on furnishers responses, even when evidence suggested the furnisher was unreliable ; Allowing reinsertion of previously deleted tradelines, failing to correctly match them, leading to the reappearance of inaccurate data Violating both the FCRA and CFPA by engaging in unfair, deceptive, and abusive practices This lawsuit explains precisely the type of flawed behavior I have experienced. Experians handling of my disputes mirrors the sham and incomplete investigations the CFPB alleges in the complaint. 

XXXX. I am disputing the following unauthorized hard 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. I am disputing all late payments that are inaccurate or unverifiable, to all applicable accounts. 

XXXX. I am disputing bankruptcy entries that I believe are misreported or obsolete. 

Experian 's responses have been vague, automated, and devoid of any verifiable documentation, indicating they failed to conduct a meaningful investigation or verify information with the furnishers.

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 2025-07-05 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-07-05 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-05 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
i asked for them to show proof these were my charges. i recieved no copies of the credit reports acknowledging ownershi [

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate on my credit report and its reporting XXXX on my credit report

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I have reached out to Capital One and the company said they no longer own the account. I called the company that it directed me to XX/XX/year> XXXX I have never received any information about this account for them. However, Capital One is reporting to my credit but the company Radius Global Solutions LLC is the one whom Capital One sold my information too.

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 2025-07-05 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: PA

Complaint narrative:
After reviewing my credit profile I noticed that I have negative collections as well as multiple fraudulent hard inquiries listed on my credit profiles. The collections and inquiries have hurt my ability to obtain new credit. please remove them from my profile as I have been a victim of identity theft.

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andreu, Palma & Andreu, PL
State: GA

Complaint narrative:
The debt listed on my credit report with XXXX, XXXX, and Equifaxreported by Andreu, Palma, Lavin, & Solis PLLC, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX inaccurate and improperly reported. The reference number associated with this debt is XXXX, and the partial account number ends in XXXX. The alleged balance is {$2100.00}, and the original creditor is XXXX XXXX XXXX XXXX, XXXX, relating to an unknown debt. This debt does not appear on my XXXX report. Despite my efforts to resolve this matter directly with Andreu, Palma, Lavin, & Solis PLLC, and through the credit reporting agencies, the inaccurate information remains on my file. I contacted Andreu, Palma, Lavin, & Solis PLLC on XX/XX/year> and was informed that they are not the original creditor and could not provide full account information. I was also told that no negotiation would be offered and was instructed to call back only once I had the full balance. The debt has caused significant harm to my financial standing and personal life, including repeated denials for housing, contributing to homelessness and an inability to secure stable shelter for myself and my XXXX parent. This situation has caused serious financial hardship. I believe the continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB investigate this matter and take appropriate action. I can be reached at ( XXXX ) XXXX ( voicemail preferred ) or at XXXX for any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My current credit cards with other issuers typically have credit limits ranging from {$10000.00} to {$20000.00}. However, when American Express approved me for the XXXX XXXX XXXX  Card, they issued it with a credit limit of only {$1000.00}. This amount is unusually low given my credit profile and history, and I found it both surprising and embarrassing. 

I was informed by American Express that I could request a credit limit increase after XXXX months. I waited the required period and submitted the request, but it was declined almost immediately without a clear explanation. I believe this decision does not reflect my creditworthiness, and I am seeking clarification and a fair review of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NY

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 : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
I am filing a dispute regarding two unauthorized hard inquiries that appear on my credit report. I did not apply for credit with these companies and did not give permission for them to access my credit file. The inquiries are as follows : - XXXX XXXX on XX/XX/year> - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without my knowledge or authorization. I did not initiate any applications or transactions that would justify these inquiries. Therefore, I believe these entries are either in error or the result of potential fraudulent activity. 

I am requesting that these inquiries be thoroughly investigated and permanently removed from my credit report, as they were not authorized by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I ask that appropriate action be taken. 

Thank you for your time and attention to this matter.

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 2025-07-05 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized hard inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a hard inquiry may only be made under certain circumstances with the explicit consent of the consumer.

After reviewing my credit report, I have identified inquiries that I did not authorize and for which no permissible purpose exists. These inquiries are damaging my credit profile and were not initiated by me. The presence of these inquiries violates my rights under federal law and constitutes a breach of my privacy.

Under FCRA, no entity may access my credit file without a permissible purpose, and all such access must be verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
They provided the note and deed of trust, they did not provide the properly transferred and endorsed note and no proper transfer of deed of trust or chain of endorsements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion is not addressing my dispute. There is a derogatory account on my report that was disputed a while ago and was removed, but there is another company claiming the same account. They have not provided any evidence that this amount is owed. They don't respond. Even though there is this issue and TransUnion has already removed the account, they are saying that the derogatory account is valid, but if I want it removed, I can purchase their membership to get it removed.

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 2025-07-05 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: NY

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 


UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file. Specifically, the account related to XXXX XXXX later associated with XXXX XXXX XXXX XXXX appears to be reported inconsistently across credit bureaus. 

According to my Experian report : The XXXXt account was charged off and closed in XX/XX/year> with a {$0.00} balance. 
It is also stated the account was purchased by another lender. 

However, my TransUnion report reflects : A current outstanding balance of {$5300.00} under XXXX XXXX XXXX. 
It lists the same original creditor ( XXXX XXXX ) but marks it as an open collection account. 

This represents a clear discrepancy and potential duplicate reporting of the same debt, which may be causing undue harm to my credit score. Under the Fair Credit Reporting Act ( FCRA ), I request that you : XXXX. Reinvestigate and correct this inconsistency. 
XXXX. Ensure the account is not reported more than once under different names and balances. 
XXXX. Provide written confirmation of your findings and any updates made to my report. 

Attached are copies of the reports showing the conflicting information. Please investigate and update my credit file accordingly.

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 2025-07-05 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: CA

Complaint narrative:
Subject : Round XXXX Dispute Demand to Update Accounts as Paid Never Late Under FCRA Sections XXXX, XXXX, XXXX, and XXXX I am writing to formally dispute and request immediate correction of reporting errors concerning the payment history on the following accounts currently appearing on my XXXX  credit report. Despite successfully resolving this issue with TransUnion, XXXX  has failed to accurately update these accounts in accordance with XXXX XXXX standards, which mandate consistent, accurate, and complete reporting across all bureaus. 
Pursuant to the Fair Credit Reporting Act ( XXXX  ), including Sections XXXX ( A ), XXXX ( B ), XXXX ( A ), and XXXX ( A ) ( XXXX ) ( A ), I demand that these accounts be updated to reflect an accurate status of Paid Never Late. The accounts in question have never been late, yet derogatory information or coding has been reported in error. Any information that can not be 100 % verified as accurate, complete, and consistent across all bureaus must be corrected or deleted.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Hard Inquiry Dispute XXXX XXXXXXXX XXXX ( XX/XX/year> ) To Whom It May Concern, I am writing to formally dispute a hard inquiry listed on my Equifax credit report from XXXX XXXX  XXXX , dated XX/XX/year>. I did not apply for credit with this company, nor did I authorize them to access my credit file. 

As provided under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or unauthorized. Since no credit application was submitted by me to this company, I am requesting that this hard inquiry be removed from my credit report immediately. 

Please investigate this matter with XXXX XXXX XXXX and provide a written response regarding the results of your investigation. I have included the following documents to assist with verifying my identity : Thank you for your prompt attention to this matter. I look forward to your confirmation that this unauthorized inquiry has been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation