vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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 am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 disputing the following items on my Equifax credit report. These items are inaccurately reported and do not reflect my correct credit history. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} UNAUTHORIZED COLLECTION Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
did not authorize these inquiries and have no record of applying for any credit accounts or services with JPMCB during this time. These inquiries are appearing on my credit reports with XXXX XXXX XXXX XXXX, and they are negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA 611 ), I have the right to dispute inaccurate or unauthorized information. I am requesting that : 1. Each credit bureau investigate these hard inquiries with JPMCB.

2. JPMCB provide proof that I authorized these inquiries.

3. Any inquiries that can not be verified as authorized be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
A credit card account was opened with Discover Bank using my personal information without my knowledge or authorization. I did NOT apply for this account, I did not receive the card, and I did not make any charges on it. This is a clear case of identity theft. 

I contacted Discover and informed them that the account is fraudulent, but the account is still showing on my credit report. This unauthorized account is harming my credit and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I am submitting this dispute due to inaccuracies regarding the following charged-off accounts and late payments on my credit report. Please investigate the following items for further clarification. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am requesting a full reinvestigation of the items listed below on my TransUnion credit report. These accounts appear to be inaccurately reported and may not reflect my true credit history. Please remove any information that can not be verified according to FCRA guidelines. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 am also disputing accounts on my Experian credit report, listed below : Charged Off Accounts : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : Account Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX Late Payments : Account Name : XXXX Account Number : XXXX Balance : [ Insert Balance if available ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX  TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : === CHARGE OFF === XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Here is a summary of what I have sent and requested to the emails Ive been able to find because I want documentation of my conversations but Comenity/XXXX Credit/Bread Financial just gives you the run around on the phone and nothing on their website helps I am writing to request access to all of my account records and a complete itemized statement of all charges associated with my account. Despite multiple attempts to resolve this issue, I have experienced the following unacceptable and potentially unlawful actions : My account number has been deleted or withheld without explanation. 
I have been asked to make payments over the phone without being provided a written breakdown of charges. 
I have been repeatedly contacted by phone in a harassing manner. 
Bills were never properly sent due to your failure to collect or confirm accurate contact information upon initial terms agreement. 
My account has been reported delinquent MULTIPLE TIMES without due process or opportunity to review or dispute the charges. 
My account remains locked, and no valid reason for the lockout has been provided despite my inquiries. 

Under the Fair Credit Billing Act ( FCBA ) and relevant state consumer protection laws, I have the right to access my account information, receive itemized billing statements, dispute charges, and expect fair and transparent billing practices. Additionally, your refusal to provide these details and continued aggressive collection tactics may constitute violations of federal and state consumer protection laws, including those enforced by the Consumer Financial Protection Bureau ( CFPB ). 

I am requesting the following immediately : 1. A complete and itemized breakdown of all charges to my account.

2. Written explanation for why my account is locked.

3. Reinstatement of access to my account information.

4. Immediate cessation of all collection-related phone calls until this matter is resolved.

5. Confirmation that no further negative reports will be filed with credit bureaus while this dispute is pending.

6. Reimbursement of all late payment fees due to incompetent practices from your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from Ford of Elizabethton on XX/XX/XXXX. We agreed to a purchase price of {$88000.00}, but when I received the first statement from Ford Credit, the amount was changed to {$90000.00}. I requested the contract Ford Credit had received and the dealership electronically forged my signature. Per the original sale contract, they agreed to pay off my XXXX XXXX for {$26000.00}. It is now XX/XX/XXXX, and they have not corrected the contract or paid off the XXXX. I have the original paperwork showing the correct figures, but they provided XXXX XXXX with a different contract. I purchased the XXXX XXXX XXXX in time to get a {$7500.00} tax credit, but since they had an error on the contract, they could not correct it. Then they offered to issue me a check for {$1900.00}, but that also never arrived. They said they would have to give me a check since the contract error could not be fixed, as the end date of the tax credit had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
In XXXX, shortly after a divorce and during a period of extreme personal and financial vulnerability, I went to OneMain Financial seeking a small loan to move. Instead, OneMain refinanced my vehicle in a way that appears to be predatory, unfair, and financially abusive. 

At the time, I owed approximately {$16000.00} on my truck. OneMain refinanced the loan at an APR of 35 %, added additional fees and insurance products, and increased the financed amount to {$22000.00}, resulting in a total owed of {$47000.00}, nearly three times the vehicles value. 

I had poor credit, was vulnerable after my divorce, and felt pressured into accepting the loan as the only option. The fees, add-ons, and consequences of the refinancing were not fully explained to me. 

This loan appears to be predatory for the following reasons : Negative equity built into the refinance. 
APR of 35 %, which is extremely high and exploitative. 
Loan amount far exceeding the value of the vehicle. 
Added fees and insurance products I did not fully understand. 
Pressure to sign quickly. 
My vulnerable state and poor credit were exploited. 
Lack of meaningful underwriting. 
Lack of clear explanation of terms, impacts, or alternatives. 

Repossession and Deficiency Balance : In early XXXX, I stopped being able to pay due to financial hardship. In XX/XX/XXXX, the vehicle disappeared from my mothers home in XXXX XXXX. OneMain confirmed they repossessed it. 

The vehicle was sold at auction for only {$5000.00}, which seems unreasonably low for the make, model, and condition. After the sale, OneMain claimed I still owed {$17000.00} in deficiency. 

I dispute the accuracy and validity of this deficiency. 
Legal Concerns ( UCC and California Law ). 
I requested full accounting, repossession notices, and documentation under California law and XXXX Article XXXX. 

I am concerned that : The sale was not commercially reasonable. 
My vehicle was sold for far below fair market value. 
Required notices may not have been properly sent The deficiency amount may be invalid under California law.

If OneMain can not provide proof of proper notice and commercial reasonableness, they may not legally collect any deficiency.

Why I am filing : This loan has caused severe financial and emotional harm.

I believe OneMain took advantage of my vulnerable state, refinanced my vehicle in a predatory manner, and is now attempting to collect a deficiency that may be unlawful. 

I need the CFPBs help to ensure fair treatment and compliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute request regarding the following accounts and inquiries on my Experian credit report. These accounts do not accurately reflect my credit history, and I am seeking corrections under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection regulations. The disputed entries are listed below : Charged Off Accounts XXXX, XXXX, XX/XX/XXXX, {$90.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$630.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$30.00} XXXX, XXXX, XX/XX/XXXX, {$160.00} XXXX, XXXX, XX/XX/XXXX, {$380.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am submitting a dispute for the following accounts that are currently reflected on my credit report. I request that these accounts be reviewed for accuracy and updated accordingly. 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-11-25 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:
My credit reports dated XX/XX/year> contain multiple derogatory accounts that were never opened, authorized, or validated by me. These accounts appeared after my personal data was compromised in the Equifax breach, and I am reporting this as identity theft. I am not requesting an update or correctionI am requesting full removal and a XXXX identity theft block. 

The following fraudulent accounts were inaccurately attached to my file : XXXX XXXX showing a {$2400.00} charge-off with late-payment reporting. 

XXXX XXXX showing a {$5900.00} charge-off and late-payments ranging from 30150 days. 

XXXX XXXX showing a {$3300.00} charge-off and multiple late-payment entries. 

XXXX XXXX showing a {$7100.00} charge-off and 60180 day late-payment reporting. 

XXXX XXXX showing a {$710.00} charge-off and delinquent reporting. 

On [ insert your dispute date ], I disputed these items with all three CRAs and invoked 15 U.S.C. 1681i ( FCRA 611 ), which requires a reasonable investigation and obligates the CRAs to obtain documentation from the furnishers. No verification records were producedno applications, signatures, identity documents, or payment history. 
Despite the absence of evidence, the CRAs marked these fraudulent items as verified, violating 1681i, and triggering the mandatory deletion requirement under 1681i ( a ) ( 5 ) ( A ) because the information can not be verified. 

Because my personal data was compromised during the Equifax breach, inaccurate and fraudulent accounts are being furnished under my identity. This violates 15 U.S.C. 1681b ( FCRA 604 ( a ) ), which prohibits furnishing consumer report information without proper identity matching and a valid permissible purpose. 

Most importantly, under 15 U.S.C. 1681c-2 ( FCRA 605B ), once a consumer reports identity theft and submits an identity theft statement, the CRA must block and delete the identity-theft-related information within 4 business days. These accounts are the result of identity theft and compromised personal identifiers, and therefore must be removed as required by federal law.

I am requesting CFPB intervention for full removal under 1681c-2 ( 605B ), 1681i ( a ) ( 5 ) ( A ), 1681b, and the general protections under 15 U.S.C. 1681. I am not requesting an update. I am requesting complete deletion of all fraudulent derogatory information.

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 2025-11-25 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: AR

Complaint narrative:
Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX XXXX TX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Account Name : XXXX XXXX TX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Account Name : XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Unauthorized Inquiries to Be Deleted : Inquiries : Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXXL XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date XXXX inquiry : 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