vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00}

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 2025-11-21 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me in ways that are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-21 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CT

Complaint narrative:
Ive notice several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CT

Complaint narrative:
Ive notice several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health..

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 2025-11-21 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: CO

Complaint narrative:
I am not responsible for these accounts and formally request their removal within XXXX  days under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: WI

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 XXXXXXXX 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for illegal and inaccurate credit reporting. XXXX is reporting a collection account that is not mine, not legally verified, and is connected to identity theft. I have already filed an FTC Identity Theft Report and a police report, and XXXX continues to report the account in violation of the Fair Credit Reporting Act. 

XXXX has failed to provide any proof that I opened or authorized this account. They never provided a signed contract, application, or any validation. They also failed to send written notice before placing this account on my credit report. 

This tradeline is also being reported with inconsistent dates, incomplete information, and contradictory data across the bureaus. This violates FCRA 1681s-2 ( a ) and 1681s-2 ( b ). The account can not be verified because the original creditor sold the debt, and XXXX does not possess any admissible documentation. 

Because I reported identity theft, XXXX was required under FCRA XXXX to block the account from my credit report. They have failed to do so. 

Their continued reporting is causing financial harm, including credit score drops, credit denials, and emotional distress.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for illegal and inaccurate credit reporting. XXXX is reporting a collection account that is not mine, not legally verified, and is connected to identity theft. I have already filed an FTC Identity Theft Report and a police report, and XXXX continues to report the account in violation of the Fair Credit Reporting Act. 

XXXX has failed to provide any proof that I opened or authorized this account. They never provided a signed contract, application, or any validation. They also failed to send written notice before placing this account on my credit report. 

This tradeline is also being reported with inconsistent dates, incomplete information, and contradictory data across the bureaus. This violates FCRA 1681s-2 ( a ) and 1681s-2 ( b ). The account can not be verified because the original creditor sold the debt, and XXXX does not possess any admissible documentation. 

Because I reported identity theft, XXXX was required under FCRA XXXX to block the account from my credit report. They have failed to do so. 

Their continued reporting is causing financial harm, including credit score drops, credit denials, and emotional distress.

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 2025-11-21 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
I am filing a complaint because Affirm is reporting dozens of accounts on my XXXX  credit report that are inaccurate, unverifiable, duplicated, and illegally updated, and XXXX  has failed to meet its FCRA reinvestigation requirements. 

I obtained my Experian credit report on XX/XX/year>, and it contained over XXXX Affirm accounts, including accounts ending in ( examples ) : XXXX, XXXX, XXXX, XXXX, and many others, all listed in my attached credit report. These appear in the report you can review. 

These Affirm accounts contain multiple violations : A. Affirm is reporting illegal repeated charge-off updates for XXXX months A charge-off can only occur once, yet Affirm is updating CO every month for years. 
This makes the debt appear to worsen over time and is a false, misleading reporting practice. 

This violates : 15 USC 1681e ( b ) maximum possible accuracy CFPB charge-off reporting guidance B. Affirm is reporting accounts that it no longer owns Several accounts show purchased by another lender/ XXXX XXXX XXXX, yet Affirm continues to furnish and update data. 

This violates : 15 USC 1681b ( a ) no permissible purpose to furnish data 15 USC 1681c ( f ) can not furnish information without permissible purpose Affirm has no legal right to continue reporting.

C. Many Affirm accounts are duplicates or inconsistent There are dozens of accounts with nearly identical : opening dates balances delinquency patterns charge-off sequences This shows systemic inaccurate mass-reporting.

D. XXXX  failed to properly reinvestigate I disputed the Affirm accounts because they are clearly inaccurate and unverifiable. 
Despite this, XXXX  continues reporting them without providing any documentation proving the accounts are valid or correctly reported. 

This violates : 15 USC 1681i ( a ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) maintain maximum possible accuracy XXXX  is simply parroting Affirms data, which the CFPB has ruled is not a valid reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a 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 2025-11-21 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I turned off XXXX on XX/XX/year> and received written confirmation from Upstart that Autopay was disabled. 

I turned it off because I planned to make a manual payment on Monday, my payday, as Upstart offers a grace period. Prior to that, I had tried to modify my loan amount but was declined since they said i already modified I work part time and I wanted to ensure that I didnt overdraft and had money. 

Despite disabling Autopay and having written confirmation, when I checked my bank account I saw a pending settlement for the payment anyway. I have full proof of the Autopay deactivation and the unauthorized debit attempt, which I will provide to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Started a loan application in early XXXX. Prior to submitting the loan application to underwriting and starting the process, on XX/XX/XXXX, I explicitly, in writing, terminated the loan application. On XX/XX/XXXX, Rocket Mortgage proceeded to submit the loan application and charge me {$500.00} anyway. This is fraudulent to proceed with the loan application when already terminated in attempts to earn fees. This bad practice to submit the application when already terminated in writing. In attempt to resolve this they refused to refund the full application fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: TX

Complaint narrative:
Hi, Im following up on my dispute for the {$21.00} XXXX charge from XX/XX/year>. 
It has been over 30 days and I have not received any updates or a provisional credit. 

Under Regulation E, a provisional credit should be issued within 10 business days, and I want to confirm : 1. Has all documentation for my dispute been received and attached to the case?

2. Why has no provisional credit been applied for this {$21.00} transaction?

3. Can this be escalated to a dispute specialist for review?

Please escalate this claim and provide a clear status update. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
My name is XXXX XXXX, born XX/XX/XXXX. I am filing a complaint regarding a fraudulent auto finance account that was opened in my name while I was a minor. The account is : XXXX ( XXXX ) Capital Account # XXXX Opened : XX/XX/XXXX ( I was XXXX XXXX XXXX ) I never applied for this account, never authorized any vehicle financing, and have never had any relationship with XXXX or XXXX. Under federal law, a minor can not enter into a valid credit or finance contract, so this account was opened illegally and without my knowledge. 

Additionally, several addresses being reported with this account do not belong to me and have never been my residence : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-11-21 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: TX

Complaint narrative:
Duplicate reporting, reaging dates and many more violations thank you

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 2025-11-21 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: WA

Complaint narrative:
I have found fraudulent accounts on my credit report the accounts are XXXX XXXX opened on XXXX, XXXX XXXX opened on XXXX, XXXX XXXX opened on XXXX, XXXX XXXX opened on XXXX and hard inquiries XXXX XXXX XXXX, XXXX XXXX XXXX please remove from 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 non-monetary relief
Consumer complaint received 2025-11-21 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:
I have no relationship with these accounts and request they be removed within 15 days according to the Fair Credit Reporting Act.

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 2025-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
This is being continued from Complaint Number XXXX regarding my FourLeaf FCU HELOC. What I meant to say on the prior complaint is that when I made the payment with a Resolution Specialist, XXXX, she did not advise of a Suspension Fund. When I called back the next day to confirm my funds would be available Monday, XX/XX/year> or Tuesday, XX/XX/year>, the agent I spoke with told me my funds would be cleared on that Monday or Tuesday. The agent did not advise of the Suspension Fund. Once I was advised of the Suspension Fund, I was told the funds would be available XX/XX/year>. I was advised of this by more than one person. Here it is XX/XX/year>, and the funds are not available.

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