vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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 recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am currently struggling to pay the loan I have with OneMain Financial. In the XXXX  of XXXX, I called OneMain to inquire about how to lower my monthly payment to be more manageable. I remembered at signing that there were various products that add-ons that I felt pressured into agreeing to. When I inquired about removing those add-ons with the hopes of lowering the monthly payments, I was told that was not possible. OneMain has failed to provide me with any other assistance to lower the payment but only giving me a option to defer the payment by paying half for that month. This loan is connected to my title and after I was involved in a non at fault accident, I expressed to OneMain that the car was giving me trouble and so trying to pay for the repairs, and the monthly payment was a hardship. I'm to the point that every time they threaten repossession, I want just to surrender the car because this payment is becoming a hardship and source of stress. OneMain 's lack of compassion or collaboration to coming up with a viable solution makes me regret every doing business with them. The calls every day are excessive and when you do talk to someone they act like they care about your situation, but don't offer any real helpful solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because Bank of America denied my XXXX request, even though I suffered significant financial harm when they withheld my funds. 

As a direct result of not having access to my money, I fell behind on bills, including my XXXX XXXX, and I was eventually evicted. I submitted my XXXX XXXX and my eviction notice, which clearly show my name, address, and the dates of financial hardship that match the dates Bank of America froze or withheld my funds. 

Bank of America requested additional documentation, but I was unable to provide more because I was locked out during the eviction and lost all remaining documents. I explained this in writing, but Bank of America still denied my claim and said the decision is final. 

I am requesting that the CFPB require Bank of America to reopen and properly review my claim. Their documentation demands were impossible to meet due to circumstances caused by the withholding of my funds.

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 2025-11-26 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: CA

Complaint narrative:
Accounts are being reported under my name without my authorization or knowledge, and I have never managed or approved them. This is unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile seriously, and the presence of these unauthorized accounts has caused significant concern. I require immediate clarification on why these accounts appear and who is responsible for reporting 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 2025-11-26 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: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX Case Number 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 The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX Case Number 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 The following inquiries are not authorized. Please remove it from my credit report immediately 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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX, i submitted a {$74.00} payment from my checkings account. The app on my phone updated to reflect the new available balance. During the weekend they payment was due, I spend money from my checkings account with the reflected balance of funds available. 5 days later, the payment posted and I didn't have {$74.00} available in my account so the payment was rejected. I had {$190.00} in the account before I submitted the payment so my available balance should I have reflected that. The app didn't tell me XX/XX/XXXX that it wasn't charged. The checkings account let me spend more money than the available balance. Resulting in my account getting hit with a {$40.00} late fee, interest, and double my minimum payment for XXXX. I called twice to dispute and was only told they can not waive the late fee. The due date for the payment was XX/XX/XXXX by XXXX, I submitted the payment on the XXXX. Capital one waited until XX/XX/XXXX to charge my checkings account. The available balance should have reflected the payment submitted 4 days earlier. I don't understand how they could of accepted my payment, then tell me I have X amount of money available to withdrawal, then hit me with a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Hello, I am submitting a formal complaint regarding my customer service experience with Aidvantage on XX/XX/year> at approximately XXXX XXXX Mountain Standard Time. 

This was my third call that day after having difficulty getting through and getting clear information on a prior attempt. The purpose of my call was very specific : to follow up on an existing ticket that had already been manually created to lift a bankruptcy-related hold on my account. 

During this call, the representative demonstrated the following conduct : I requested a supervisor repeatedly ( approximately six times ), and my request was ignored each time. 

Instead of escalating the call or explaining next steps, the representative repeatedly placed me on hold without explanation. 

I was placed on hold on and off for a total of approximately 25 minutes, with no updates, time estimates, or clarification provided. 

The representative never explained why I was being placed on hold and did not return with substantive answers. 

Despite clearly explaining the purpose of my call multiple times, the representative appeared confused about the issue, showed unfamiliarity with the existing ticket, and provided no meaningful assistance. 

The interaction was unprofessional and dismissive, and my time was wasted without resolution. 

I have a documented call duration of 24 minutes and 55 seconds, after which I was forced to disconnect due to the ongoing lack of progress and refusal to escalate. 

This experience reflects a failure to : Honor reasonable requests for escalation Provide basic communication during extended holds Demonstrate adequate knowledge of account notes and existing tickets Deliver acceptable customer service standards for a federal loan servicer Because all calls are recorded, I am requesting a formal quality assurance review of this call, including confirmation that the request for a supervisor was improperly ignored. 

I am also requesting : 1. Written clarification of the correct process for following up on a manually created ticket to lift a bankruptcy hold 2. Confirmation that my account issue is being handled appropriately 3. Confirmation that this complaint has been logged and reviewed Please confirm receipt of this complaint and provide written follow-up once the review has been completed. 

Thank you, XXXX XXXX Aidvantage acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting a reinvestigation of the following accounts and inquiries. Some of these items appear inconsistent or unverifiable. Please verify them with the original creditors and remove anything that can not be confirmed accurately. 

Charged Off Accounts XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00} XXXXXXXX XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance {$1300.00} XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$680.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$2400.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments XXXX XXXXXXXX XXXX XXXXXXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXXXXXX

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 2025-11-26 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 are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 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: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX formally notified Experian to delete their collection account from my credit file. They confirmed to me in writing that the account was paid and must be removed. Despite this, Experian updated my file on XX/XX/XXXX with incorrect information instead of deleting the account, which immediately caused a major and unjustified drop in my credit score by XXXX points. 

On XX/XX/XXXX I uploaded the official deletion letter and submitted a dispute. Experian continues to claim it may take up to 30 days, even though the furnisher has already provided the required deletion instructions and there is no investigation needed on Experians end. As of XX/XX/XXXX XXXX XXXX XXXX. confirmed they have responded to the dispute confirm once again that the deletion notification is in order. This delay is causing direct harm, as I am in the middle of a time-sensitive loan application.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Request for Assistance Regarding Harassment from Portfolio Recovery I hope this message finds you well. I am reaching out to seek your assistance regarding a troubling situation I am currently facing with Portfolio Recovery. 

Despite the fact that a card associated with account number XXXX, linked to my previous address at XXXX XXXX XXXX XXXX XXXX, has already been identified as deferred/fraud and has been removed from my credit report, I continue to receive persistent harassment from Portfolio Recovery. They are attempting to leverage funds from my account, likely due to my good credit standing. 

I believe these actions are unwarranted and would like advice on how to best address this issue. If you have any information or could direct me to the appropriate resources, I would greatly appreciate it. 

Thank you for your time and assistance. I look forward to your prompt response. 

At the end of the day, I want the credit file removed and FTC investigation regarding Portfolio Recovery business ethics. 

Happy Holidays! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
AFFIDAVIT OF DISPUTE & FORMAL NOTICE OF INACCURATE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Re : Fraudulent XXXX  XXXX Account, False Late Payments & Mandatory Deletion Under Federal Law To Whom It May Concern, I am submitting this formal dispute regarding a fraudulent XXXX  XXXX account that is being reported on my Equifax credit file. I NEVER opened this account, never authorized it, and never gave anyone consent to use my personal information. XXXX XXXX later closed this account after I reported the issue, which confirms it did not belong to me. 
Despite this, Equifax is reporting late payments tied to this fraudulent account. These late payments are harming my credit reputation and are in complete violation of federal law. 
FRAUDULENT ACCOUNT TO DELETE IMMEDIATELY : XXXX XXXX Bank XXXX XXXX Account Number : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Status : Closed by XXXX XXXX Late Payments : Incorrect & Fraudulent Federal Law Violations : - 15 USC 1681a ( 2 ) ( xi ) : Late payments must be accurate and can not be associated with an account I did not open.

- 15 USC 1666b : Billing and payment reporting must be correct ; it is impossible to be late on an account I never opened.

- 15 USC 1681c-2 : Requires immediate blocking and deletion of all fraudulent accounts and information when identity theft is reported.

- 15 USC 1681b : No company may access or furnish my information without permissible purpose or consent.

- FCRA 611 / 15 USC 1681i : Inaccurate, incomplete, or unverifiable information MUST be deleted within 30 days. 
REQUESTED ACTION : Delete the ENTIRE XXXX  XXXX account ( XXXX XXXXXXXX ) Delete ALL late payments tied to this fraudulent account Update my report and mail me the corrected version This is a clear case of identity theft, and I take pride in maintaining my credit. These false late payments and fraudulent reporting are destroying my creditworthiness. 
If this matter is not corrected within the required timeframe, I will file complaints with : CFPB FTC State Attorney General Civil action under 15 USC 1681n/o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am filing this formal complaint to request an immediate investigation and correction of inaccurate information being reported on my consumer credit file. I recently obtained a copy of my credit report and discovered entries that are incorrect and damaging to my financial profile. First, the address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is being reported as associated with me. I have no connection to this address, have never lived there, and I am requesting its removal as it is a clear reporting error. 

Additionally, the account XXXX ( Account # XXXX ) is showing a high balance of {$400.00}, opened on XX/XX/year>, along with a late payment status. This information is inaccurate as I have never made any late payment on this account, and I am requesting immediate correction of the payment history to reflect accurate and timely payments. Under the FCRA, I have the right to fair and correct reporting, and inaccurate information must be corrected once disputed. 

I am requesting a full investigation into these errors and prompt updating of my credit file. These inaccuracies are affecting my credibility and financial standing, and I expect resolution in accordance with federal consumer protection laws. I request written confirmation once the corrections have been completed. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation