vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I recently checked to see if I prequalified for a loan through multiple lenders. During this process, I was under the impression that these prequalification checks would involve only soft credit inquiries, which do not affect a consumers credit score. At no point did the lenders clearly disclose that checking my eligibility would result in hard inquiries on my credit report. 



After completing the prequalification checks, I noticed that my credit score had dropped by XXXX points. I was extremely surprised and distressed to find out that several hard inquiries had been reported to the credit bureaus as a result of this process. 



I believe this practice is misleading and unfair to consumers. The lenders should have clearly stated upfront and in plain language that proceeding with the prequalification would trigger hard inquiries and negatively impact my credit score. This lack of transparency prevented me from making an informed decision and has now significantly damaged my credit standing.

This unexpected decrease in my credit score has caused me considerable stress and may also affect my ability to obtain future credit, secure favorable interest rates, or meet other financial goals.

I am requesting that this matter be thoroughly investigated. I would also like to ask for assistance in removing these hard inquiries from my credit report since I did not knowingly authorize actions that would harm my credit score.

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the removal or correction of a late payment reporting that I believe was made in error. I have consistently demonstrated a responsible payment pattern, and the record in question contradicts my proven track record.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am respectfully requesting a review and correction of a late payment listed on my credit report. I maintain a solid record of timely payments, and this entry appears to have been reported in error.

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 2025-07-12 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 value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

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 2025-07-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please Delete these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were done fraudulently and unauthorized without consent. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in advance for your cooperation.

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 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally notify you that I am a confirmed victim of the XXXX Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within XXXX business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

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 2025-07-12 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 requesting your assistance in initiating an investigation into these accounts, as they are being reported inaccurately on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. I have attached all supporting documents for your thorough review. Furthermore, the details reported for these accounts are inconsistent and incorrect across the credit bureaus

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America let me open a checking account and deposit {$1500.00}. After a short time, they revoked my access with no explanation, blocked my login, and are holding my funds until XX/XX/XXXX. They admitted theyre closing the account but I have no access to my money for over a month. No fraud was committed. I want this on record and I want an explanation for this abusive practice.

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 2025-07-12 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: MI

Complaint narrative:
On XX/XX/year>, I sent individual dispute letters to Equifax, XXXX XXXX XXXX regarding the following accounts, which contain verified but inaccurate data not showing maximum possible accuracy according to FCRA. 

XXXX. XXXX XXXX Account Discrepancies include differing High Credit amounts ( {$1100.00} vs. {$1000.00} ) and Credit Limits ( {$1000.00} vs. {$0.00} ), as well as inconsistent dispute resolution comments across bureaus. Date reported, last activity, date opened, last payment is not accurate XXXX. XXXX Inaccuracies include a High Credit of {$25000.00} with a {$0.00} Credit Limit, a reported XXXX term inconsistent with an open account status, and varying comments about subscriber contact. Date opened, last active, account type, is not accurate XXXX. XXXX XXXX Account Issues include a past due amount of {$280.00} with a Late 60 Days status despite no mention of delinquency in comments, and inconsistent dates of last payment, XXXX XXXX XXXX XXXX XXXX last reported, last active not accurate. 

XXXX. XXXX XXXX Account Status Consistency : TransUnion : Canceled by credit grantor. 

XXXX : Account has been closed due to inactivity. 

Equifax : Accounts closed by credit grantor Credit card. The differing reasons for closure ( cancellation vs. inactivity ) could indicate an inaccuracy or lack of coordination in reporting. 
Balance Reporting : All bureaus report a balance of {$990.00} ( XXXX  and Equifax ) or {$800.00} ( XXXX ) Credit Limit Discrepancy : XXXX XXXX XXXX  report a Credit Limit of {$1000.00}. 

Equifax reports a Credit Limit of {$0.00}. The {$0.00} credit limit on Equifax, despite a reported High Credit of {$1000.00}, is inconsistent and may indicate an inaccuracy, especially since the account was previously open with a credit limit. 

Date of Last Payment : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax : XX/XX/year> The slight variation in the date of last payment ( XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ) could point to a reporting error or misalignment in data updates. 



Despite providing sufficient evidence and details in my dispute letters, all three credit bureaus responded by verifying the information and refusing to delete or correct the inaccuracies. This verification does not reflect the maximum possible accuracy required under the FCRA.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the correction of an inaccurate late payment currently listed on my credit file. This entry does not reflect my true payment history, as I have always fulfilled my obligations in a timely manner.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please assist me!! Since XX/XX/year>, I have made several attempts to have the underlying accounts remove from my credit report .. Experian has not honored any of my documentations nor provided proof of the alleged items in fact belongs to me.. They have violated the Fair Credit Reporting Act each time I submit a dispute! I never recieve any updated report in the mail in reference to dispute results .. Each time I call, I get transfered to another department who is handling my file supposedly.. But they seem to never pick up to assist me.. How can I resolve my issue if Experian never send me dispute results by mail as I request, nor answer my call in the department i get transfered to each time .. They have ignored my documentation.This matter is affecting my ability to obtain funding to start a business and buy a home for my family... FCRA 15 USC 1681 requires maximum accuracy in reporting.. Since Experian has not sent me any dispute results by mail nor verified these alleged accounts .. The information listed needs to be deleted .. Im reaching out to the CFPB to assist in this urgent 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 2025-07-12 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:
With considerable distress, I formally request that you eliminate all fraudulent entries from my credit report under FCRA 605B ( 15 U.S.C. 1681c-2 ) within the required XXXX business days. This identity theft has caused emotional and financial hardship, and I respectfully urge swift 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
account AMSHER COLLECTION SERVICES # XXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I filed a FTC, and local police report related to charges on XX/XX/year> and XX/XX/year>. I was out of the country and fraudulent charges were made. I filed a dispute with XXXX  and they said the charges were valid. I asked for proof and none was given. I did the same thing with the other agencies and the fraudulent charges were removed. I want to know exactly how they verified because I still do not know who committed the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I tried to request a New debit card, the original card never arrived because the address was wrong, so I updated the mailing address on XX/XX/XXXX thtough the onlinebanking service. 
Today XX/XX/XXXX the agent by the chat said we are unable to send you a passcode. The phone is registered with the bank and is under my name, also alerts are turned on and active so please fix your system, is not my fault. 
And send the replacement debit card to my mailling address on file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a late payment reported in error on my credit report. I have reviewed my records and verified that the payment in question was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

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 2025-07-11 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: NJ

Complaint narrative:
Please see all attached documents for supporting evidence related to my formal complaint against Affirm , Inc . 
These attachments include : Copies of my loan agreements Dispute resolutions confirming cancellation/refund Screenshots of the false credit report entry from XXXX  Communication history with Affirms customer support I respectfully request a thorough investigation and immediate correction of the inaccurate credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal request for the correction of an inaccurate late payment that has been reported under my credit profile. I have always prioritized timely payments and, to the best of my knowledge, fulfilled all obligations for this account without 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment currently listed on my credit report. Upon reviewing my personal financial records, I confirmed that this payment was submitted on time and in accordance with the original agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently reviewed my credit report noticed hard inquiries that I did not initiate nor authorize. 
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 2025-07-12 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 inform you of a fraudulent collection account that has been reported on my credit file. I had no involvement with this debt and did not authorize the transaction ( s ) from which it allegedly originated.

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