vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach. 

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I am very upset that the inaccurate late payments are still appearing on my credit report today. Even after refreshing, the error remains. I am requesting that you urgently verify the documents Ive already provided and correct this issue right away, because I should not have to continue worrying about something that should have already been resolved.

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 2025-09-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized XXXX  inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-25 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-25 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach. 

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Charge off XXXX  XXXX XXXX XX/XX/XXXX {$360.00} BRCLYXXXX XXXX XX/XX/XXXX {$1300.00}

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 2025-09-25 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: NAVY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
I am disputing a hard inquiry on my credit report that I did not authorize. Please investigate and remove it immediately, as required under the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
Re : 2nd Demand for Full Accounting UCC 9-210 Loan ID : XXXX To Whom It May Concern : I am in receipt of affirm inc recent correspondence in response to my lawful demand for a full accounting under UCC 9-210. However, affirm inc reply I received on XXXX was incomplete and failed to provide the information specifically requested. Merely sending a copy of the loan agreement does not satisfy your legal obligation to provide a full and proper accounting. this is my second a final time making this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a complaint against OneMain Financial and escalating an unresolved issue after my local branch failed to respond. 

On my most recent bank statement, OneMain Financial withdrew {$300.00} from my account via ACH without my authorization. I had removed autopay from Account # XXXX several months ago and have been working with XXXX XXXX XXXX XXXX ( XXXX ) on a debt management plan that OneMain had previously accepted. 

Requested Resolution : Immediate refund of the unauthorized {$300.00} ACH withdrawal.

Written confirmation that all automatic payments have been disabled on my account. 

Confirmation that my XXXX debt management plan remains active and recognized. 

A case or reference number for this escalation. 

I can provide supporting documentation, including a bank statement excerpt and XXXX confirmation, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurately reporting a XXXX late payment on my auto account ( XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX ). This account has been on autopay since XX/XX/year>, and I have never missed or been late on any scheduled payment. 

I contacted XXXX XXXX multiple times by phone and was explicitly told by a XXXX that the late payment was due to a computer system error on their end. I was told that XXXX would reverse the XXXX late entry. Despite that, no correction has been made, and the late mark remains on my credit report. 

This false entry has dropped my credit score by XXXX points, causing significant damage to my financial reputation and affecting employment-related opportunities. XXXX  has only updated the account status to Current but failed to remove the derogatory mark, which continues to report inaccurately. 

I am requesting that the CFPB immediately investigate XXXX XXXX  failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ) and compel the company to remove the inaccurate XXXX late mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I got a letter from XXXX XXXX letting me know that my account was paid in full, but there is still something on it and they keep charging me even though I haven't purchased anything. 

I've called her countless times to discuss this and she hasn't responded. 

The last paragraph in her letter to me invites me to call her- which I have, but I've tried several times and she's not responding. I'm not angry, but I am frustrated and I just want this to be fixed and over.

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 2025-09-25 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: NY

Complaint narrative:
The accounts listed on my credit report are inaccurate, unauthorized, and do not belong to me. Reporting information that is not mine is a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires consumer reporting agencies to assure maximum possible accuracy, and 1681i, which requires proper reinvestigation of disputed items. 

By continuing to publish and maintain these false accounts, the credit bureaus and furnishers are willfully engaging in illegal reporting practices. This has caused irreparable harm to my creditworthiness, finances, and personal life. 

I am demanding the immediate deletion of all unauthorized accounts and expect strict compliance with federal law. Continued reporting of unverifiable or false information will result in further legal action.

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 2025-09-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The personal information shown on my credit report is inaccurate. I respectfully request that an investigation be carried out and that the necessary corrections be made within XXXX business days.

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 2025-09-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding immediate correction regarding the fraudulent accounts listed on my credit report. These accounts are not mine, were never authorized, and their reporting constitutes a clear misrepresentation of my financial history. Such errors undermine both my personal security and the reliability of the reporting system itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
I dispute the validity of specific accounts appearing in my credit file, as I believe they were opened without my authorization. Please investigate and remove these entries. Documentation is included.

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 2025-09-25 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: KY

Complaint narrative:
Delete disputed credit items within the 15-day period as required by 15 U.S. Code 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dispute Submission to CFPB XXXX Credit Reporting Issue : Inaccurate late payment reporting on student loan account ( XX/XX/XXXX XX/XX/XXXX ) Details : I am disputing the accuracy of late payment notations reported by XXXX on my student loan account for the months of XX/XX/XXXX through XX/XX/XXXX. 
My loans were transferred from XXXX to XXXX in XX/XX/XXXX. As part of that transfer, XXXX confirmed in writing that : A no-pay forbearance was placed on my account effective XX/XX/XXXX. 
An administrative forbearance was applied retroactively to cover the period of XX/XX/XXXX through XX/XX/XXXX, which includes the disputed months. 
XXXX reported the account as current as of their first credit update on XX/XX/XXXX. 
Despite this, my credit reports ( XXXX, XXXX, and TransUnion ) reflect late payments from XX/XX/XXXX through XX/XX/XXXX that originated with XXXX before the transfer. These late notations are inconsistent with the administrative forbearance that was applied and should not have been furnished. 
Request for Resolution : Investigate the accuracy of Nelnets reporting of late payments for XXXX XXXX. 
Direct XXXX to remove the inaccurate late payment history from all nationwide consumer reporting agencies ( XXXX, XXXX, and TransUnion ). 
Provide me written confirmation that the correction has been made. 
Supporting Evidence : XXXX written response confirming the loan was reported as current and that any prior derogatory history was furnished by XXXX. 
These derogatory marks are materially harming my credit profile and my ability to secure financing for my medical education. I respectfully request that the CFPB review this matter and require XXXX to correct the inaccurate reporting.

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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts reported in my credit file, which are inaccurate, unauthorized, and unlawful. I have no connection with these accounts, nor did I provide any consent for them to be opened or reported. Their inclusion constitutes a serious error that has unfairly damaged my credit reputation.

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 2025-09-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-25 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: NY

Complaint narrative:
I am deeply concerned that these inaccurate accounts are still showing on my credit reports, and they were not removed as they should have been. I am pleading for you to carefully go through the documents Ive attached so that I can finally have peace of mind and not continue suffering over this matter.

Company response to consumer: Closed with non-monetary relief