vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: CO

Complaint narrative:
Under 15 U.S. Code 609, I previously requested that the credit bureaus provide me with verification of the accounts being reported in my file, including the original signed consumer contract that authorizes these debts. To date, no such verification has been provided.

Additionally, under 15 U.S. Code 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information. Reporting unverifiable or inaccurate information is a direct violation of this requirement.

Further, under 15 U.S. Code 1681i ( 5 ), if any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete or modify that information and notify the furnisher.

Because the accounts listed below have not been properly verified, I am demanding their deletion and permanent removal from my credit profile. 



Accounts in Dispute 1. XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Type : Debt Buyer / Collection Date Opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX Balance : {$450.00} Past Due Amount : {$450.00} Original Balance : {$450.00} Responsibility : Individual Contact Info : ( XXXX ) XXXX | XXXX XXXX XXXX, XXXX XXXX, MN XXXX 2. XXXX XXXX XXXX Account Type : XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off. {$23000.00} written off. {$13000.00} past due as of XX/XX/XXXX Balance : {$13000.00} Past Due Amount : {$13000.00} Original Balance : {$40000.00} Responsibility : Individual Contact Info : ( XXXX ) XXXX | XXXX XXXX XXXX XXXX, XXXX, CO XXXX 3. XXXX XXXX Account Type : XXXX XXXX Date Opened : XX/XX/XXXX Status : Open. {$600.00} past due as of XX/XX/XXXX Balance : {$26000.00} Past Due Amount : {$600.00} Original Balance : {$27000.00} Monthly Payment : {$600.00} Responsibility : Individual Contact Info : ( XXXX ) XXXX | XXXX XXXX XXXX # XXXX, XXXX, MI 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and potentially damaging late payment reporting on my credit reports. Despite my efforts to dispute with the credit bureaus and furnishers directly, the following accounts continue to show inaccurate delinquencies : XXXX : 3 missed payments in XXXX ( account closed ) Capital One : 2 missed payments in XXXX XXXX XXXX ( Capital One ) : 2 missed payments in XXXX These late payments are either being misreported or are unverifiable. I have requested reinvestigations under the FCRA, but the information remains without proper correction or proof. I am asking the CFPB to assist in having this matter resolved and ensure all inaccurate data is removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-16 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
OppLoans ( aka OppFi ) uses XXXX XXXX XXXX ( Utah ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Utah ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make installment loans of {$500.00} to {$4000.00} at 160 % XXXX in a number of states that do not allow that rate for some or all loans in that size range. OppLoans has been sued by the State of California and by the District of Columbia Attorney General for engaging in a XXXX scheme and agreed to pay {$2.00} XXXX and stop evading DCs usury laws. 
Ive been lured into this trap with Opploans Ive been struggling making payments and what I have been paying is really not affordable for anyone. 
XXXX said : In California, a predatory loan is not just unethical it can be illegal, especially when it violates state or federal lending laws designed to protect consumers.

What is a Predatory Loan?

A predatory loan typically involves unfair, deceptive, or fraudulent practices by a lender. These loans often : Charge excessively high interest rates or fees Use aggressive sales tactics Include unnecessary or hidden terms XXXX vulnerable borrowers ( seniors, low-income individuals, non-English speakers ) Trap borrowers in debt cycles!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CO

Complaint narrative:
Under 15 U.S. Code 609, I previously requested that the credit bureaus provide me with verification of the accounts being reported in my file, including the original signed consumer contract that authorizes these debts. To date, no such verification has been provided.

Additionally, under 15 U.S. Code 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information. Reporting unverifiable or inaccurate information is a direct violation of this requirement.

Further, under 15 U.S. Code 1681i ( 5 ), if any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete or modify that information and notify the furnisher.

Because the accounts listed below have not been properly verified, I am demanding their deletion and permanent removal from my credit profile. 



Accounts in Dispute 1. XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Type : Debt Buyer / Collection Date Opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX Balance : {$450.00} Past Due Amount : {$450.00} Original Balance : {$450.00} Responsibility : Individual Contact Info : ( XXXX ) XXXX | XXXX XXXX XXXX, XXXX XXXX, MN XXXX 2. XXXX XXXX XXXX Account Type : XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off. {$23000.00} written off. {$13000.00} past due as of XX/XX/XXXX Balance : {$13000.00} Past Due Amount : {$13000.00} Original Balance : {$40000.00} Responsibility : Individual Contact Info : ( XXXX ) XXXX | XXXX XXXX XXXX XXXX, XXXX, CO XXXX 3. XXXX XXXX Account Type : XXXX XXXX Date Opened : XX/XX/XXXX Status : Open. {$600.00} past due as of XX/XX/XXXX Balance : {$26000.00} Past Due Amount : {$600.00} Original Balance : {$27000.00} Monthly Payment : {$600.00} Responsibility : Individual Contact Info : ( XXXX ) XXXX | XXXX XXXX XXXX # XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CO

Complaint narrative:
Under 15 U.S. Code 609, I previously requested that the credit bureaus provide me with verification of the accounts being reported in my file, including the original signed consumer contract that authorizes these debts. To date, no such verification has been provided.

Additionally, under 15 U.S. Code 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information. Reporting unverifiable or inaccurate information is a direct violation of this requirement.

Further, under 15 U.S. Code 1681i ( 5 ), if any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete or modify that information and notify the furnisher.

Because the accounts listed below have not been properly verified, I am demanding their deletion and permanent removal from my credit profile. 



Accounts in Dispute 1. XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Type : Debt Buyer / Collection Date Opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX Balance : {$450.00} Past Due Amount : {$450.00} Original Balance : {$450.00} Responsibility : Individual Contact Info : ( XXXX ) XXXX | XXXX XXXX XXXX, XXXX XXXX, MN XXXX 2. XXXX XXXX XXXX Account Type : XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off. {$23000.00} written off. {$13000.00} past due as of XX/XX/XXXX Balance : {$13000.00} Past Due Amount : {$13000.00} Original Balance : {$40000.00} Responsibility : Individual Contact Info : ( XXXX ) XXXX | XXXX XXXX XXXX XXXX, XXXX, CO XXXX 3. XXXX XXXX Account Type : XXXX XXXX Date Opened : XX/XX/XXXX Status : Open. {$600.00} past due as of XX/XX/XXXX Balance : {$26000.00} Past Due Amount : {$600.00} Original Balance : {$27000.00} Monthly Payment : {$600.00} Responsibility : Individual Contact Info : ( XXXX ) XXXX | XXXX XXXX XXXX # XXXX, XXXX, MI 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 2025-08-16 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 have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
You officially on notice that there is errant account ( s ) or incorrect information on the credit report and the items below are now disputed per FCRA 611 ( a ). Your companys references on the credit report are wrong because of the lack of completeness and/or accuracy. FCRA 623 ( b ) ( 1 ) makes it perfectly clear, if the information is not 100 % correct, it must be removed. A response is required by law within XXXX  days of receipt of this letter, or for the item in question to be permanently expunged from the record.

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 2025-08-16 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: CA

Complaint narrative:
You officially on notice that there is errant account ( s ) or incorrect information on the credit report and the items below are now disputed per FCRA 611 ( a ). Your companys references on the credit report are wrong because of the lack of completeness and/or accuracy. FCRA 623 ( b ) ( 1 ) makes it perfectly clear, if the information is not 100 % correct, it must be removed. A response is required by law within XXXX  days of receipt of this letter, or for the item in question to be permanently expunged from the record.

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 2025-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
XXXX sent notice of past. Due medical billing -bill form medical never received- paid when notified- received PAID IN FULL receipt and email from XXXX  showing XXXX  BALANCE due! Yet attempts to collect unpaid balance continues. Need assistance removing this collection from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Regarding JPMCB Chase Bank Reporting Errors Account XXXX XXXX is being inaccurately reported across credit bureaus XXXX  Incorrectly shows the account as open with over XXXX percent utilization since XX/XX/XXXX XXXX  Falsely states the account was cancelled by credit grantor XXXX  Claims it was closed due to inactivity Actions Taken I Contacted Chase dispute team multiple times to demand correction / removal but they refused. 

Regarding XXXX XXXX Unauthorized Inquiries Inquiries dated XX/XX/XXXX and XX/XX/XXXX appear on my report despite the fact that I have no financial relationship with XXXX XXXX. 
Concern Potential identity theft or reporting error Request Removal of all unauthorized inquiries and confirmation of fraud prevention steps

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
This complaint continues Case # XXXX, which OMF falsely claimed was resolved in XXXX. I reject OMFs so-called courtesy adjustments. It does not fix the underlying problem, nor does it address the ongoing violations. OMF falsely marked my prior case as closed while continuing to report inaccurate trade-lines and misrepresent my payment history. 

XXXX of the many anchor errors is clear : on XX/XX/year>, OMFs own representative directed me to pay {$22.00} as the correct XXXX payment, which I did. On XX/XX/XXXX, rep XXXX confirmed the account was current, but couldn't explain why it was flagged, keeping me on repeated long holds. That same day, the day I closed the account because I no longer trusted it, I spoke with XXXX in the Executive Office and two other reps -- each quoting a different minimum due. OMF has treated XXXX as missed, using that to justify false fees, inaccurate credit reporting, and seven ( 7 ) months of harassment. Additionally, OMF admits to system errors that directly affected payment processing in XXXX, but still blames me for a " missed '' payment that never happened. 

Only after I filed with the CFPB did OMF quietly reverse {$230.00} admitting fault while leaving the false reporting, phantom payment entries, and even 30/60-day lates on my credit reports. This is a direct violation of FCBA, FCRA, UDAAP, and FDCPA.

OMF has committed ongoing violations of federal law, including : False credit reporting ( XXXX marked 60 days late ; phantom {$130.00} payment never made still shows on my credit file ). 
Improper fees ( most recently, XX/XX/year> for {$16.00} ) and a {$230.00} + {$160.00} quiet adjustments that XXXX only made after my CFPB complaint, which itself admits fault. 
Harassment and collection activity on a closed, disputed account, including weekly threats by phone/email. 
Inconsistent and misleading instructions : multiple reps told me different balances ; XXXX rep confirmed in writing/recorded call that I owed only {$22.00} in XXXX. I paid exactly what I was told, yet OMF is still treating XXXX as missed. 

The attached rebuttal provides detailed evidence, dates, and law citations ( FCBA, FCRA, FDCPA, UDAAP ). This complaint shows only some of the ongoing misconduct. 

I reject OMFs so-called offer. It does not fix what is still not fixed, and their violations continue to harm me today. I request immediate correction, damages, and a written record of all fixes transmitted to the CRAs. 

Case # XXXX Ongoing, Not Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
At approximately XXXX XXXX, a man who was going by the name " XXXX XXXX '' from New York came to my home and sold me a car amplifier and XXXX speaker XXXX. I was able to get the amp to turn on and I was having a difficult time with the speakers because of a missing XXXX. They looked nice and the amp did work and since the guy who scammed me was sitting for almost an hour with his wife and dog while I tried to get it to work, I just told him to go and I paid him via scanning his Cash App XXXX XXXX. He left and I got the speaker to work and I finally discovered that they are fried, no good, unable to be fixed. The man who went by XXXX XXXX and used Cash App handle " XXXX '' was gone. I never heard from him again. He literally took the money and ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
I filed a dispute with Equifax and shared with them that I never had a student loan. And that the information about a student loan in XXXX from XXXX XXXX was inaccurate because I was not in school then and had not been since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
am writing to formally dispute the accuracy and completeness of the account listed below, reported by XXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this account. 

Disputed Account Details : Creditor : XXXX XXXX XXXX Status : Charged Off Reported Balance : {$6500.00} Original Balance : {$22000.00} Past Due Amount : {$6500.00} Status Updated : XX/XX/XXXX Terms : 79 Months Responsibility : Joint Grounds for Dispute : Inaccurate Payment History Reporting The account shows 38 consecutive months of charge-off notations ( CO ), which is inconsistent with XXXX XXXX reporting standards and materially misleading. The XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Format Guide requires accurate, consistent, and non-duplicative reporting. Multiple consecutive CO notations are re-aging the debt in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Balance & Past Due Inconsistency The account is reported as charged-off, yet still reflects a past due balance of {$6500.00}. Once an account is charged off, there can not be an active past due balance under XXXX XXXX guidelines. This constitutes inaccurate credit reporting. 

Case Law Supporting Removal XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) held that the credit bureau must conduct more than a superficial investigation. 

XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) inaccurate reporting of charged-off balances deemed misleading and in violation of the FCRA. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reporting misleading or incomplete information is unlawful under the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) If this account has been transferred, sold, or placed with a third-party collector, continued reporting by the original creditor may also violate 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations.

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