vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 )
Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was charged a monthly maintenance fee of {$12.00} on XX/XX/year>. I shouldn " t have been charge since by the guidelines, if I keep a balance of more than {$1500.00} I shouldn " t be charged a maintenance fee.

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 2025-12-03 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: TX

Complaint narrative:
This is not a trivial error. Multiple accounts on my credit report contain inaccuracies and are not being reported with the level of accuracy required by law. These false entries are harming my financial standing and causing real, ongoing hardship. I take my credit seriously, and these persistent errors are creating stress and tangible negative consequences in my life.

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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
OneMain Financial improperly refused to apply my {$4800.00} insurance refund to future monthly installments, even though my signed loan agreement states that the lender may use insurance proceeds to reduce the amounts I owe whether or not they are due. The contract does not restrict how these proceeds must be applied. 

When I spoke with the XXXX Executive Office, the representative explicitly told me the reason for the denial : an internal proprietary policy that requires insurance proceeds to be applied to principal. 
She also stated she was not allowed to provide me a copy of the policy. 

This policy was never disclosed to me in my loan agreement and contradicts the written terms of my contract. 
I was never shown this policy at signing, it is not part of my disclosures, and I never consented to it. 

I requested : a copy of the policy, the policy name or number, the contract clause that prohibits my request, a written denial, and the system name being cited as the reason for the refusal. 

XXXX refused all of these. 

I was transferred between multiple departments ( branch, insurance department, loan servicing, customer care, and the Executive Office ).

No one could explain : why the contract language does not allow my request, why the proceeds were posted as Payment Paid if the system can not apply payments, why the proprietary policy overrides my contract, why the policy can not be provided, or what system allegedly prevents proper application.

The Executive Office confirmed the denial is not based on my contract, but on a secret internal policy they refuse to disclose. 

It appears XXXX is using a non-disclosed internal rule to limit my contractual rights. 
This is an unfair, deceptive, and abusive practice, because a lender can not enforce hidden internal policies that contradict the written agreement a borrower signed. 

This refusal has caused unnecessary interest accrual, financial hardship, and a loss of the contractual flexibility I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Modern Adjustment Bureau
State: TX

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by MODERN ADJUSTMENT BUREAU. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. MODERN ADJUSTMENT BUREAU can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and XXXX The date the account was acquired by or assigned to MODERN ADJUSTMENT BUREAU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am submitting this complaint because Discover Bank is reporting inaccurate and/or unverifiable information to the credit bureaus concerning a closed credit card account ending in XXXX XXXX. The information being furnished appears to be incomplete, inconsistent, and not in compliance with the accuracy requirements of the Fair Credit Reporting Act ( FCRA ). 
Discover Bank is reporting the following information : Status : Charge-Off Balance Reported : {$11000.00} Charge-Off Amount : {$11000.00} Date of Last Payment Reported : XX/XX/year> Delinquency Date Reported : XX/XX/year> Multiple delinquencies across XXXX, including CO ( charge-off ) months listed well after the account was supposedly closed. 

The data contains multiple inconsistencies and potential errors, including : Contradictory payment and delinquency dates that do not align with the date of last activity or the charge-off timeline. 

A charge-off balance and past-due amount that do not match documented account activity. 
Postcharge-off months continuing to show CO ( Charge Off ) entries, which may indicate duplicate or inaccurate monthly reporting.

The furnisher has not provided verification or documentation supporting these reported figures.

Information reported appears not to meet FCRA 607 ( b ) ( maximum possible accuracy ).

I have disputed this information with the credit bureaus, and I am requesting the CFPBs assistance because I believe Discover Bank is reporting inaccurate and potentially unverifiable information, and is not correcting it as required under FCRA 623 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MN

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
For years, I have disputed invalid accounts and debts with Equifax that are being reported on my credit file. Starting as early as XXXX, I have mailed disputes and requested copies of original credit applications showing my signature on them. Time and time again, Equifax has refused to investigate these accounts. I have received bogus responses telling me they can not investigate these items because they can not verify it is me who is sending the dispute. I have provided everything they have asked for, including copies of my driver 's license, pay stubs, utility bills, copy of my social security card. I am still suffering from damages to my credit report and reputation due to these invalid debts being reported. I am previously the victim of identity theft and have an extended fraud alert being reported on my credit. I have been successful in having other credit reporting agencies remove these incorrect accounts from my credit report. Equifax refuses to do a thorough investigation. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-03 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
My credit report contains multiple entries that are inaccurate, incomplete, outdated, inconsistent across bureaus, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Furnishers have failed to provide proper documentation proving the accuracy and completeness of these accounts, late payments, inquiries, and personal identifiers. 

Several items contain : Conflicting dates Inconsistent payment histories Status codes that differ between bureaus Missing required validation Incorrect personal information tied to accounts Reporting beyond compliance Failure to provide supporting evidence as required under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 1 ) ( A ).

These reporting failures create substantial harm, including inaccurate risk assessment, improper scoring impact, and denial of credit opportunities. The bureaus and furnishers are legally obligated to maintain maximum possible accuracy but have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Formal Complaint Unresolved Capital One Dispute Affecting My Credit and Account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Fair Credit Reporting Act 611. My credit file contains a bankruptcy entry that is false, inaccurate, and not associated with me.

I demand the immediate removal of this entry. If you believe the item is valid, provide all documentation bearing my signature, as well as the name and address of the furnisher or public record source that supposedly verified this information.

Since no such bankruptcy exists, any continued reporting after receiving this notice may constitute willful noncompliance with the FCRA, including 616 and 617, and may expose you to civil liability.

Please send the results of your reinvestigation to the address provided below.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Fair Credit Reporting Act 611. My credit file contains a bankruptcy entry that is false, inaccurate, and not associated with me.

I demand the immediate removal of this entry. If you believe the item is valid, provide all documentation bearing my signature, as well as the name and address of the furnisher or public record source that supposedly verified this information.

Since no such bankruptcy exists, any continued reporting after receiving this notice may constitute willful noncompliance with the FCRA, including 616 and 617, and may expose you to civil liability.

Please send the results of your reinvestigation to the address provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-03 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX as well as the induvial companies about the fact that I never received the XXXX verification in email or electronically or XXXX. However I received an update to my status that reflects the same information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Responsibility Individual Account Account Type revolving Loan Type XXXX XXXX Balance {$0.00} Last Payment Amount {$0.00} Original Amount {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX  Balance {$710.00} Original Amount {$540.00} Original Creditor XXXX ( Retail ) Past Due {$710.00}

Company response to consumer: Closed with non-monetary relief