vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

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 2025-12-10 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: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The balance on this account has been settled in full, yet my report continues to display late payment notations.

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 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am filing a complaint about how OneMain Financial handled the payoff and refund process on my auto title loan. 

On Friday, XX/XX/year>, I paid off my OneMain Financial auto title loan ( approximately {$13000.00} ) using a check from my mortgage refinance. I brought the payoff check in person to the OneMain XXXX XXXX  office. 

At the XXXX XXXX, I was told : - The payoff check would be received by Monday, - There would be no additional interest or outgoing payments once the payoff was processed, - And any refund of overpayment would take approximately XXXX days by mail. 

Despite this, a regular payment of over {$450.00} was withdrawn from my bank account on XX/XX/XXXX, after I had already delivered the payoff check and had been assured no further payment would be taken. 

On XX/XX/XXXX, I called and was first told the payoff check would arrive later that day. Later that same day, I was told the payoff check had been received and processed but that my refund would take 20 days. This information came from the XXXX XXXX / XXXX XXXX branch of OneMain Financial. 

This directly contradicts what I was told at the XXXX office, including : - a XXXX refund timeline - and that no further payment would be taken after XX/XX/XXXX. 

When I spoke with XXXX XXXX at the XXXX XXXX branch, she stated that each branch has different policies. I do not understand how different branches of the same financial institution can have different payoff and refund policies. 

I asked for a written copy of the policy regarding refund timeframe and was told they would have to check with a supervisor, which suggests that no readily available written policy exists for consumers. 

As a result of these conflicting statements, OneMain : - withdrew an additional payment after payoff,- is holding refund funds significantly longer than stated, - and has given inconsistent information depending on which office I speak with. 

Resolution requested : - Immediate refund of all overpaid amounts including the XX/XX/XXXX withdrawal, - Written confirmation of the payoff date, refund amount, and expected refund date, - A copy of the written policy explaining the refund timeframe, - And assurance that no additional interest or fees will be charged after payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: NV

Complaint narrative:
The balance on this account has been settled in full, yet my report continues to display late payment notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MO

Complaint narrative:
Submitted an online form to receive information on erroneous and fraudulent information preventing my ability to get cheaper insurance because of the false information I am paying 3 times more for insurance than I should be. Attempted to contact LexisNexis to see who is reporting the false information on my C.L.U.E report and was sent a fraudulent URL with no access tried to call and email them but no response. I cant dispute something I dont know anything about but was informed that the fraudulent information does exist but no one is giving me the opportunity to get it corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX  - XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX - XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinme Holdings, Inc.
State: TX

Complaint narrative:
I redeemed Coinme XXXX  but have been locked out of my account for over a year due to verification and login errors. Coinme has failed to fix the issue despite multiple contacts. My funds remain inaccessible. I need my account restored, verification reset, and access to my XXXX 

My email is : XXXX Phone number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX I wanted to reach out and report because I am in need of a new car and in reviewing my credit report I saw a weird account I did not recognize. I am not responsible for the debt or and never had any kind of contract with them, they didn't provide me with anything when I asked. XXXX XXXX XXXX, I have no idea who they are.

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 2025-12-10 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: FL

Complaint narrative:
Hi, my name is XXXX XXXX I wanted to reach out and report because I am in need of a new car and in reviewing my credit report I saw a weird account I did not recognize. I am not responsible for the debt or and never had any kind of contract with them, they didn't provide me with anything when I asked. XXXX XXXX XXXX, I have no idea who they are.

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 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander refuses to furnish a copy of my contract after being asked numerous times. They are refusing to furnish the contract after being notified of a voluntary repossession being established by myself and they claim that they need the co-signer to approve this process. When asked for this clause in the contract they refuse to furnish the entire thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
I am following up regarding multiple ongoing errors and potential violations on my credit reports from Experian, Equifax, and TransUnion, which continue to cause significant harm to my credit profile. My XXXX XXXX  ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as a {$28000.00} charge-off with an inaccurate or unverifiable Date of First Delinquency, in violation of FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, XXXX XXXX reports a {$1000.00} XXXX XXXX XXXX collection without providing proper debt validation as required under FDCPA 807, 808, and 15 U.S.C. 1692g. My credit reports also include multiple unauthorized hard inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, none of which I authorized, in violation of FCRA 604 ( a ), 605 ( a ), and 611. Despite my prior disputes and submissions of supporting documentation, these inaccuracies, outdated information, and unauthorized inquiries remain unresolved, negatively impacting my creditworthiness, causing financial stress, and limiting my access to fair lending opportunities.

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 2025-12-10 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I have called hundreds of times and have written to XXXX XXXX multiple times about their material breach of agreement, fraudulent billing practices, and consumer protection violations. I am disputing all charges for phone numbers XXXX and XXXX, for the period of XXXX and XX/XX/year> and all associated fees. 
The porting process for these numbers was completed on XX/XX/year>, transferring service from XXXX to XXXX, and subsequently to XXXX. 
XXXX XXXX has committed a material breach of contract and engaged in fraudulent billing by charging for XXXX services ' after the line port-out date. The claim that service was active in XXXX and XX/XX/year> is false and contradicts the porting confirmation I possess and shared XXXX 's confirmation as evidence. 

Unauthorized Fees and Services : I further dispute all historical, unauthorized miscellaneous fees and services added to my account over the last 20 years. These charges were never requested, authorized, or agreed upon. This pattern of misconduct constitutes a violation of consumer protection laws. 
Demand for Account Correction and Credit File Remediation : I demand that XXXX XXXX : Immediately adjust the final balance to XXXX {$0.00}. 
Immediately recall the fraudulent debt of {$440.00} from all third-party collection agencies. 
Immediately notify all three major credit bureaus ( XXXX XXXX XXXX XXXX ) to delete this inaccurate and disputed debt from my credit file. Failure to do so will result in further complaints to regulatory bodies for violations of the FCRA. 

Be advised that I have already filed a complaint with the FCC regarding XXXX XXXX unauthorized billing and debt collection practices. I reserve all rights to pursue further legal remedies, including updating my credit file with all three credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX sent certified mail request ( which arrived to experian on XXXX and was signed for on XXXX -proof attached ) to immediately delete the unrecognized/unauthorized hard inquiries listed below from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I sent all proper identifications and information for removal. They did not remove them.

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 2025-12-10 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: CA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-10 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER 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 2025-12-10 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: NV

Complaint narrative:
I have no connection to this account, and it is appearing on my report due to an inaccurate reporting error.

Company response to consumer: Closed with explanation