vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$25.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-10 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to you in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute inaccurate personal information appearing in my LexisNexis consumer file.

Upon reviewing my file, I discovered the following inaccurate and unverifiable information : Incorrect Name : [ List the incorrect name as it appears ] Incorrect Address : [ List the incorrect address ] I have never lived at or been associated with this Address additionally, under 15 U.S.C. 1681e ( b ), LexisNexis must follow reasonable procedures to assure maximum possible accuracy of the information it reports.This information is false, misleading, and damaging. Under 15 U.S.C. 1681i ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am disputing inaccurate and outdated loan information appearing on my credit report. My XXXX XXXX auto loan was paid in full, yet it is still being reported as a collection account. In addition, my personal loans with OneMain Financial and XXXX XXXX are showing late or missed payment entries that appear to be incorrect or outdated. These inaccuracies are negatively affecting my credit score and do not reflect the current status of my accounts. I am requesting that the CFPB direct these lenders and the credit bureaus to investigate, update, and correct my credit report to accurately reflect my payment history and loan statuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: GA

Complaint narrative:
I am disputing inaccurate and outdated loan information appearing on my credit report. My XXXX  XXXX auto loan was paid in full, yet it is still being reported as a collection account. In addition, my personal loans with XXXX XXXX and XXXX XXXX are showing late or missed payment entries that appear to be incorrect or outdated. These inaccuracies are negatively affecting my credit score and do not reflect the current status of my accounts. I am requesting that the CFPB direct these lenders and the credit bureaus to investigate, update, and correct my credit report to accurately reflect my payment history and loan statuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
Numerous phone calls to XXXX between XXXX and XXXX. Email request for payoff without response. Lein was placed on title of my house. Debt does not belong to me but needs payoff to remove lein. Attorney office have submitted forms with no response. Spoke to XXXX in XXXX that confirmed request for pay off and authorization was received. Told to call back the next day. Only ever receive voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Summary of Issues I believe Spring Oaks Capital LLC has engaged in unfair or unlawful practices, including but not limited to : 1. Failing to provide proper debt validation upon my request.

2. Reporting inaccurate or unverified information to the credit bureaus, including a balance update date in the future.

3. Causing undue harm to my credit profile by continuing to report potentially inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-08-10 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: TX

Complaint narrative:
You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I want to remove some queries that I have in my credit report which I did not make. I have queries from XXXX XXXX, XXXXXXXX XXXX and some from XXXX XXXXXXXX that I didn't do and I want watches. I have contacted the agencies and banks and they do not want to delete my queries. The consultations are fraud since I do not authorize them to be carried out.

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 2025-08-10 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
when signing up for the Chase XXXX credit card, they offer a {$120.00} statement credit for XXXX XXXX on account opening and each anniversary. Since opening the account, the rewards changed and chaseXXXX offers a {$200.00} XXXX XXXX XXXX. I paid the {$250.00} annual fee and am informed that due the changes, no benefit is given for this year. Thus, I paid the full annual fee, but am denied the benefit of the card. 

XXXX XXXX informed me : Our Chase liaison team replied and they've advised that the {$200.00} travel bank cash credit after account opening is for new Chase XXXX credit card accounts which were opened on or after XX/XX/XXXX. Our records indicate that you opened your XXXX account on XX/XX/XXXX. With this in mind, you don't qualify for the first part of the new promotion which as I previously stated, provides new XXXX credit card holders who opened their accounts on or after XX/XX/XXXX {$200.00} of promotional travel bank cash. However, since this is a new benefit you will still receive it each year on your anniversary going forward. Keep in mind, this would not include the anniversary you had prior to the XX/XX/XXXX date, but rather future anniversaries after that promotional start date. Please note, this is all the information we received from Chase. If you have any questions, please contact Chase via the phone number on the back of your credit card. 

I contacted chase card services several times between XX/XX/XXXX and XX/XX/XXXX, only to be told that the benefit would not be applicable and not recompense would be made for the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$25.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00}

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 2025-08-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: KY

Complaint narrative:
XX/XX/year> Began conversation with XXXX XXXX and Freedom Debt Relief XX/XX/year> Documents signed ; however, the FDR 's business model requires becoming delinquent on all my accounts for them to negotiate, thereby making severe credit damage a certainty, not just a possibility. This was severely downplayed by the salesperson, suggesting it was a minor or temporary dip, which is a deceptive practice. 
XX/XX/year> Directed to stop paying all bills, even the ones we could afford to keep paying. I emailed FDR and asked them to leave a group of accounts alone so that I could keep those accounts in good standing. They did not respond. 
XX/XX/year> I started receiving calls from all of the financial institutions that we do business with - even the ones that we excluded from the plans. 
XX/XX/year> Requested to withdraw from the program. FDR did honor this, but had already done damage with all our financial 'partners '. Each now required a letter stating that we were not doing business with FDR. I requested this letter several times from the company, but was never able to receive one. 

I was led to believe that Financial Debt Relief would resolve my debts with minimal impact. Instead, their program required me to stop paying my creditors, which they knew would ruin my credit, as stated in their agreement. They failed to adequately disclose the full cost, including creditor late fees, and did not guarantee any settlements, despite implying this was a reliable program. This business practice feels deceptive and has caused me significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portafolio recovery associates called me everyday to pay a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Summary : In spring XXXX, Chase misapplied my on-time payments, then cut my credit limit in a way that pushed my account over/near the new limit and damaged my creditdespite a spotless payment history for 8 months with large sums paid down and continuous cash flow on the card. 

Payments misapplied : I paid early for the XXXX cycle ( payments of {$5500.00} on XX/XX/XXXX and {$460.00} on XX/XX/XXXX ). Chase credited those to the prior cycle, then treated XXXX as unpaid, assessed a {$40.00} late fee on XX/XX/XXXX, and carried a XXXX {$410.00} into my XX/XX/XXXX statement ( due XX/XX/XXXX ). I then paid {$980.00} on XX/XX/XXXX, plus smaller payments on XX/XX/XXXX, XXXX, and XXXX. 

Limit reduction & credit damage : In XXXX, without providing specific reasons, Chase reduced my limit from {$22000.00} to {$17000.00} while my balance was about {$17000.00} ( see XX/XX/XXXX statement ). That instantly created 105 % utilization and derogatory flags. My payment history was otherwise 100 % on time ( see attached XXXX screenshots ).

Regulatory concerns : Reg Z 1026.10 ( a ) failure to promptly credit payments and improper late fee/past-due.

FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) inaccurate reporting of a late caused by their misallocation and failure to reasonably investigate/correct after dispute.

ECOA/Reg B 1002.9 no specific adverse-action reasons for the limit decrease ; Executive Office cited only we can change terms at any time.

I have attached my to attempts to resolve this respectfully and cordially. And the only response I received was the that is also attached. No response to either email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230000.00}

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