vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am disputing multiple inaccuracies on my credit report related to my personal information, accounts, and inquiries. My address is incorrectly listed as XXXX XXXX XXXX, XXXX, PA XXXX, which is not accurate. Additionally, multiple XXXX  XXXX XXXX accounts ending in XXXX are reported as charge-offs with balances of {$3100.00}, {$2000.00}, and {$2000.00}, with dates that do not reflect my records. These balances are incorrect, and the accounts are inaccurately reported as delinquent. 

Furthermore, numerous inquiries listed on my credit report were not authorized by me and are inaccurate. These include : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX  XX/XX/year>, XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, and XXXX  XXXX XX/XX/year>. These inquiries are appearing multiple times and do not reflect any transactions or requests I authorized. The inclusion of these unauthorized inquiries is negatively impacting my credit report and overall creditworthiness. 

I request that all inaccurate items, including the incorrect address, erroneous account balances, charge-off status, and unauthorized inquiries, be promptly investigated, verified, and corrected or removed 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 explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am disputing multiple inaccuracies on my credit report related to my personal information, accounts, and inquiries. My address is incorrectly listed as XXXX XXXX XXXX, XXXX, PA XXXX, which is not accurate. Additionally, multiple XXXX  XXXX XXXX accounts ending in XXXX are reported as charge-offs with balances of {$3100.00}, {$2000.00}, and {$2000.00}, with dates that do not reflect my records. These balances are incorrect, and the accounts are inaccurately reported as delinquent. 

Furthermore, numerous inquiries listed on my credit report were not authorized by me and are inaccurate. These include : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX  XX/XX/year>, XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, and XXXX  XXXX XX/XX/year>. These inquiries are appearing multiple times and do not reflect any transactions or requests I authorized. The inclusion of these unauthorized inquiries is negatively impacting my credit report and overall creditworthiness. 

I request that all inaccurate items, including the incorrect address, erroneous account balances, charge-off status, and unauthorized inquiries, be promptly investigated, verified, and corrected or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
I paid off the amount owed and they refuse to tell Transunion that it is paid so still showing I owe it.

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 2025-11-24 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: GA

Complaint narrative:
I am disputing multiple inaccuracies on my credit report, including incorrect names listed as XXXX XXXX XXXX and XXXX XXXX XXXX, and inaccurate addresses XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, and XXXX XXXX XXXX, XXXX, GA XXXX. XXXX  XXXX account ending XXXX is reported with a {$0.00} balance and a late close date of XX/XX/XXXX, which is inaccurate. Numerous inquiries listed on my report are unauthorized or inaccurate, including : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am disputing multiple inaccuracies on my credit report, including incorrect names listed as XXXX XXXX XXXX and XXXX XXXX XXXX, and inaccurate addresses XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, and XXXX XXXX XXXX, XXXX, GA XXXX. XXXX  XXXX account ending XXXX is reported with a {$0.00} balance and a late close date of XX/XX/XXXX, which is inaccurate. Numerous inquiries listed on my report are unauthorized or inaccurate, including : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, Capital One submitted a hard inquiry to my XXXX  credit file without my explicit consent. 

I responded to a pre-approval offer from Capital One, which was sent by mail and clearly stated : See if youre pre-approved with no impact to your credit score Checking wont impact your credit score I also checked my eligibility on their website, where the same claims were repeated. I did not knowingly submit a full application that would trigger a hard inquiry. 

Despite these assurances, a hard inquiry was placed on my XXXX  credit report, and I was later denied for the card. I did not give informed consent for a hard inquiry, only for a soft pre-approval check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these account be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the account that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am filing this complaint because while reviewing my credit reports, I discovered several serious and ongoing inaccuracies that have not been corrected despite my disputes. In my Experian file, an incorrect and improperly formatted addressXXXX XXXX XXXX XXXX XXXX, GA XXXXcontinues to be reported, even though this is not my correct address and has already caused mail disruptions and confusion. This violates FCRA 623 ( a ) ( 2 ), which requires furnishers to DELETE and update information, and the presence of outdated data linked to this address also violates FCRA 605 ( a ) regarding obsolete information. I have requested that Experian investigate under FCRA 623 ( b ), yet the incorrect address remains. In my TransUnion report, I found questionable reporting on two accounts : XXXX XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ), which appear outdated, inaccurately dated, or otherwise inconsistent with my records, raising concerns regarding compliance with FCRA 605 reporting limits. Even more concerning, several hard inquiries associated with these entries appear without any record of my authorization or consent, suggesting potential violations of FCRA 604 ( a ), which requires a permissible purpose for every inquiry. As a consumer, I have the right under FCRA 611 to dispute inaccurate or unauthorized inquiries, yet these inquiries remain on my report and continue to impact my creditworthiness. I have attempted to resolve these issues through the credit bureaus directly, but the errors persist, leaving me misrepresented and unfairly penalized by inaccurate reporting across multiple systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am filing this complaint because while reviewing my credit reports, I discovered several serious and ongoing inaccuracies that have not been corrected despite my disputes. In my Experian file, an incorrect and improperly formatted addressXXXX XXXX XXXX XXXX XXXX, GA XXXXcontinues to be reported, even though this is not my correct address and has already caused mail disruptions and confusion. This violates FCRA 623 ( a ) ( 2 ), which requires furnishers to DELETE and update information, and the presence of outdated data linked to this address also violates FCRA 605 ( a ) regarding obsolete information. I have requested that Experian investigate under FCRA 623 ( b ), yet the incorrect address remains. In my TransUnion report, I found questionable reporting on two accounts : XXXX XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ), which appear outdated, inaccurately dated, or otherwise inconsistent with my records, raising concerns regarding compliance with FCRA 605 reporting limits. Even more concerning, several hard inquiries associated with these entries appear without any record of my authorization or consent, suggesting potential violations of FCRA 604 ( a ), which requires a permissible purpose for every inquiry. As a consumer, I have the right under FCRA 611 to dispute inaccurate or unauthorized inquiries, yet these inquiries remain on my report and continue to impact my creditworthiness. I have attempted to resolve these issues through the credit bureaus directly, but the errors persist, leaving me misrepresented and unfairly penalized by inaccurate reporting across multiple systems.

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 2025-11-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-24 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: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. My XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported inconsistently : Experian shows a balance of {$230000.00} with a last activity date of XX/XX/XXXX and a 30-day late payment reported on XX/XX/XXXX ; Equifax shows the same balance with a last activity date of XX/XX/XXXX with no late payment flagged ; and TransUnion reports the balance of {$230000.00} with a last activity date of XX/XX/XXXX and a XXXX-day late payment. These discrepancies are inaccurate because I have made all payments on time. Additionally, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported by Experian as having a late 30-day payment on XX/XX/XXXX, while it is not reported at all on Equifax and TransUnion ; XXXX account was paid in full and closed with no delinquencies. Finally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported by Equifax as having a XXXX-day late payment in XX/XX/XXXX with a balance of {$6700.00} and last activity of XX/XX/XXXX, but this account is not reported on Experian or TransUnion, and all payments were made on time. These errors have caused me undue stress and may negatively affect my ability to secure credit, and I am seeking immediate correction.

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I previously submitted a written dispute to XXXXMR COOPER dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXXMR COOPER has failed to respond, verify, or correct the information within the required XXXXhirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since XXXXMR COOPER did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXXMR COOPER s immediate compliance with FCRA requirementsXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: HI

Complaint narrative:
In XX/XX/year>, a company started to garnish {$270.00} from every paycheck, which is twice a week. I called this company to see what was going on, and they said I owed them {$1800.00}. I asked them for proof of validation. They have not complied with my 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 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I previously submitted a written dispute to AFFIRM INC dated XX/XX/2025, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), AFFIRM INC has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since AFFIRM INC did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure AFFIRM INCs immediate compliance with FCRA requirements. 

AFFIRM INC XXXX, AFFIRM INC XXXX, AFFIRM INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record.

2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data.

3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy.

4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
XXXX. XXXX XXXX XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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