vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I am filing a complaint against OneMain Financial for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Account ending in XXXX XXXX was charged off in XX/XX/XXXX. In XX/XX/XXXX, I settled the account in full for {$6000.00} per written agreement ( attached ). Despite this, OneMain has continued to report a {$3900.00} balance and L ( charge-off ) status every month from XX/XX/XXXX through XX/XX/XXXX. 

This constitutes re-aging of debt, which artificially extends the impact of the derogatory item and misrepresents the true account status. A charge-off is a one-time event and should not be reported in multiple months. 

I have contacted OneMain directly by email and certified mail with proof of settlement and current credit report excerpts. I am requesting that the CFPB require OneMain to : 1. Update the account to show {$0.00} balance as of XX/XX/XXXX. 
2. Correct payment history to reflect a single charge-off in XX/XX/XXXX. 
3. Accurately report the account as Settled less than full balance to all three credit bureaus. 

Attachments for CFPB : Settlement confirmation letter ( XX/XX/XXXX ) OneMain payment history screenshot showing ongoing monthly charge-off reporting XXXX  credit report excerpt with monthly L marks Copy of dispute letter sent to OneMain

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
Experian continues to report an illegal debt on my credit profile. Ive disputed it at least 15 times. They drop my credit score and tell me the investigation proved the debt collection is Accurate. Thats impossible because Ive checked with the courts and I sent all 3 credit agencies proof that the judge did not grant a money judgement. I also sent proof that the balance couldve have been {$7600.00} not {$19000.00} but they continue to tell me the debt is confirmed.

Michigan law states If the right to the occupancy of the land is terminated by the act of the landlord in evicting the tenant, the obligation to pay rent ceases. ... It follows that an action by the landlord can not be maintained for rent after eviction, Michigan law says the landlord has to receive a money judgement. Please remove this illegal action from my credit profile. I dont owe XXXX XXXX XXXX XXXX holding money. 
The law also says you can not write off debt and still collect. So please provide proof that your client did not write off this debt or take a tax deduction, they did not receive any government assistance due to covid-19 for the lost of income during covid.

Ive wrote this letter to National credit system and sent same info to Experian x It is illegal to collect on a closed account. I XXXX XXXX did not agree to settle any debt and I have not agreed that I owe any debt. My information should not have been shared with a 3rd party. Please stop violating my rights. Your negative actions has cause me financial hardship and prevented me from purchasing a home for my children.

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 2025-08-09 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-08-09 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: NJ

Complaint narrative:
Subject : Formal Dispute and Request for Investigation and Deletion of Inaccurate/Unauthorized Items under 15 USC 1692c , 1692g, 1681e ( b ), 1635, and Related Consumer Protections.

To Whom It May Concern : I am writing to formally dispute the following accounts and inquiries currently appearing on my consumer credit reports. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute : XXXX ACCT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCT # : XXXX These accounts are either inaccurately reported, unverifiable, or may have been established or reported without my full knowledge, consent, or legal validation.

Therefore, I request a full investigation into the following items under : 15 USC 1692g Debt collectors must provide written validation of debt within 5 days of initial communication. I have not received sufficient documentation validating these debts.

15 USC 1692c Prohibits communication at unusual or inconvenient times or places, and with third parties without consent. If applicable, I reserve my right to not be contacted in violation of this provision.

15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. These accounts contain inaccuracies or lack verifiable documentation.

15 USC 1635 Provides a right of rescission and protection against certain unauthorized or unclear credit agreements. If any credit was extended without full and accurate disclosures, I hereby invoke my right to rescind.

15 U.S.C. 1681b ( a ) ( 1 ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' Inquiries to Be Removed : I further demand the removal of all unauthorized inquiries that were made without my express written consent. I did not authorize or initiate several inquiries reflected on my credit report, and under 15 USC 1681b, a permissible purpose must exist for any access to my credit file. 
XXXX XXXX XXXXXX/XX/year>, XX/XX/year>, XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Please conduct your reinvestigation within 30 days, as required by 15 USC 1681i. If these items can not be properly verified, they must be deleted from my credit report.

Please mail all findings, updates, and confirmations of deletions to the address listed above. 
Sincerely, 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 2025-08-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach XXXX Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX - Opened XX/XX/XXXX - Balance {$19000.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ) - And my Social Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law.

I thank you so much for your immediate attention to this urgent matter. 



XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX  Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX - Opened XX/XX/XXXX - Balance {$120.00} XXXX XXXX XXXX  - Opened XX/XX/XXXX - Balance {$1600.00} XXXX  XXXX XXXX  - Opened XX/XX/XXXX - Balance {$810.00} XXXX - Opened XX/XX/XXXX - Balance {$19000.00} XXXX XXXX Opened XX/XX/XXXX - Balance {$890.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX 


Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ) - And my Social Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law.

I thank you so much for your immediate attention to this urgent matter. 



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 non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
XXXX XXXX continues to furnish an unverified, disputed account to all three major credit reporting agencies in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX. 

Despite multiple disputes, XXXX XXXX has failed to produce any competent, reliable evidence tying me to the alleged account. Their investigation merely enclosed generic terms and conditions with no link to me. No signed agreement, no authenticated e-signature, and no application metadata have been provided. 

XXXX XXXX admitted failures : No signed contract ( paper or digital ) linking me to the account. 

No IP address logs, device IDs, or user authentication from the alleged XX/XX/XXXX application. 

No chain of assignment, fraud investigation report, or audit trail confirming lawful account creation.

No GLBA-compliant privacy notice detailing data handling, consent, or third-party sharing.

Statutory Violations : FCRA : 1681i ( a ) Failure to conduct a reasonable reinvestigation and delete unverifiable information within 30 days.

1681s-2 ( b ) Furnishing disputed data without full verification.

1681n & 1681o Willful/negligent noncompliance by continuing to report after lack of verification.

GLBA : 6802 ( a ) Using or sharing nonpublic personal information without consent.

6803 Failing to provide required privacy notices and disclosure of data handling practices. 

Precedent & Enforcement Basis : FTC XXXX XXXX XXXX XXXX XXXX, No. XXXX creditors must have competent evidence before asserting debt is owed. 

XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) generic documentation does not satisfy verification. 

CFPB Enforcement Actions XXXX XXXX XXXX ( XXXX ), XXXX  XXXX ( XXXX XXXX penalties for failing to properly investigate and verify disputes. 

Harm to Consumer : Lowered credit scores. 

Denial of credit opportunities. 

XXXX  XXXX  and reputational harm. 

Ongoing risk of identity theft from unaddressed fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CL Holdings LLC
State: FL

Complaint narrative:
Complaint Against Jefferson Capital Systems FDCPA & FCRA Violation I am filing a complaint against Jefferson Capital Systems , LLC for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

On [ date you mailed dispute ], I received a collection notice from Jefferson Capital regarding an alleged auto loan debt. I disputed the debt in writing and requested validation within the 30-day period allowed by law. My letter was sent XXXX2025via certified mail ( Tracking Number : XXXX ) and delivered on XX/XX/year>2025. 
The address that it was mailed to is not my address.

While the debt was in dispute and before providing any validation, Jefferson Capital reported the account to the credit bureaus. This is a direct violation of : FDCPA 1692g ( b ) Prohibits continued collection activity ( including credit reporting ) before validation is provided.

FCRA 1681s-2 ( a ) Prohibits furnishing inaccurate or unverifiable information to consumer reporting agencies.

As of today, Jefferson Capital has not provided : The original signed agreement Complete payment history Bill of Sale or Forward Flow Agreement with my specific account information Requested resolution : I request immediate deletion of this account from all credit reports and written confirmation from Jefferson Capital that the account will not be re-reported unless proper validation is provided.

I am attaching : My debt validation letter Certified mail receipt and delivery confirmation Credit report excerpt showing the account was reported while in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WY

Complaint narrative:
My Cash App business account was compromised by unauthorized parties who gained access without my knowledge or consent. During XX/XX/year>, while I had no access to or control over the account, these unauthorized users conducted transactions totaling {$39000.00}. This activity was incorrectly reported to the IRS under my Social Security Number via Form 1099-K. I reported this to Block , Inc . Please see attached copy of letter sent.

The IRS has issued me a CP2000 Notice ( AUR Control Number : XXXX ) proposing additional taxes, penalties, and interest based on this fraudulent income that I never actually received or had access to. The unauthorized parties, not me, benefited from these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: AL

Complaint narrative:
On XXXX XXXX XXXX, I applied for auto financing only through specific dealerships/lenders that I authorized. I clearly stated to each dealership that my credit was only to be pulled by the lender of my choice ( XXXX XXXX XXXX XXXX for the purpose of securing a loan on XXXX vehicle. 
Despite my instructions, my credit was improperly accessed by multiple other finance companies and banks without my consent, resulting in numerious hard inquiries across Equifax, Experian, and TransUnion. The following inquires were not authorized by me, nor were they necessary for my application. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This unauthorized use of my credit report has negatively impacted my credit score and violates the Fair Credit Reporting Act. I am requesting that the CFPB assist in having these unauthorized inquiries removed from my credit reports and ensure that the parties involved are held accountable for accessing my credit without proper consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
Complaint Against XXXX XXXX XXXX FDCPA & FCRA Violation I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On [ date you mailed dispute ], I received a collection notice from XXXX XXXX regarding an alleged auto loan debt. I disputed the debt in writing and requested validation within the 30-day period allowed by law. My letter was sent XXXX2025via certified mail ( Tracking Number : XXXX ) and delivered on XX/XX/year>2025. 
The address that it was mailed to is not my address. 
While the debt was in dispute and before providing any validation, XXXX XXXX reported the account to the credit bureaus. This is a direct violation of : FDCPA 1692g ( b ) Prohibits continued collection activity ( including credit reporting ) before validation is provided.

FCRA 1681s-2 ( a ) Prohibits furnishing inaccurate or unverifiable information to consumer reporting agencies. 
As of today, XXXX XXXX has not provided : The original signed agreement Complete payment history Bill of Sale or Forward Flow Agreement with my specific account information Requested resolution : I request immediate deletion of this account from all credit reports and written confirmation from XXXX XXXX that the account will not be re-reported unless proper validation is provided. 
I am attaching : My debt validation letter Certified mail receipt and delivery confirmation Credit report excerpt showing the account was reported while in dispute

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 2025-08-09 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:
Complaint Against XXXX XXXX XXXX FDCPA & FCRA Violation I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On [ date you mailed dispute ], I received a collection notice from XXXX XXXX regarding an alleged auto loan debt. I disputed the debt in writing and requested validation within the 30-day period allowed by law. My letter was sent XXXX2025via certified mail ( Tracking Number : XXXX ) and delivered on XX/XX/scrub>/2025. 
The address that it was mailed to is not my address. 
While the debt was in dispute and before providing any validation, XXXX XXXX reported the account to the credit bureaus. This is a direct violation of : FDCPA 1692g ( b ) Prohibits continued collection activity ( including credit reporting ) before validation is provided.

FCRA 1681s-2 ( a ) Prohibits furnishing inaccurate or unverifiable information to consumer reporting agencies. 
As of today, XXXX XXXX has not provided : The original signed agreement Complete payment history Bill of Sale or Forward Flow Agreement with my specific account information Requested resolution : I request immediate deletion of this account from all credit reports and written confirmation from XXXX XXXX that the account will not be re-reported unless proper validation is provided. 
I am attaching : My debt validation letter Certified mail receipt and delivery confirmation Credit report excerpt showing the account was reported while in dispute

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 2025-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am disputing the continued reporting and servicing of my federal student loans by Aidvantage despite my eligibility for a Total and Permanent XXXX ( TPD ) discharge under 34 C.F.R. 685.213. 
At the time in question, I was in the process of securing XXXX benefits and was fully eligible for loan discharge under federal law, yet Aidvantage failed to provide the required reasonable accommodations or pause in adverse credit reporting under the XXXX  with XXXX Act ( ADA ), Title II 42 U.S.C. XXXX and Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ).

This failure caused continued negative credit reporting, direct harm to my financial stability, and denial of housing and credit opportunities. Additionally, the ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), as the information is not accurate in light of my documented XXXX status and discharge eligibility. 

I have attached : My victims letter Proof of my XXXX and TPD application timeline Credit reports showing the continued negative reporting.

Company response to consumer: Closed with explanation