vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a man in my XXXX with a long history of responsible banking. My XXXX XXXX is in the XXXX, and I have maintained checking accounts since I was XXXX XXXX XXXX. 

On XX/XX/year>, U.S. Bank abruptly closed my checking account and informed me that I was labeled a risk, without providing any clear explanation or supporting documentation. I did not receive notice of any violations, fraudulent activity, or misuse of my account. When I contacted my local branch XXXX, I was told only that I had been F-coded. No further information was provided by the branch or customer service. 

At the time of closure, my accounts were in good standing. U.S. Bank withdrew funds, mailed me a check, and then closed the account with a negative balance leaving me with unanswered questions. This decision has disrupted my ability to bank, harmed my financial stability, and unfairly stigmatized me with a risk label I can not understand or dispute. 

I believe U.S. Bank acted unfairly and without transparency by closing my account without cause and failing to provide a valid explanation. As a long-time customer who has demonstrated financial responsibility, I feel this action was unjustified and left me without a fair opportunity to resolve any alleged issue.

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 2025-09-09 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to F

CRA 605B ( 15. U. S. C. 1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$260.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Hello- in XX/XX/XXXX I purchased a purse from someone online and paid them via XXXX  the total including fees was {$510.00}. The merchant, who is an individual seller named XXXX XXXX, sent me tracking info from USPS. After a few weeks, the item still wasnt tracking or even showing as dropped off. I filed a dispute with my credit card company and they gave a temporary credit for {$510.00} and the money was taken from XXXX account. XXXX then received a call from the post office that they had the item and she decided to go pick it up instead of having them send it to me since XXXX had taken the money from her due to the dispute. I canceled the dispute with XXXX because I thought it would help XXXX get her money back faster so she could send me the purse. XXXX put the charge back on my account. Ive been in contact with XXXX and XXXX over and over again. XXXX says to call XXXX and XXXX says to call XXXX  Ive even done three way calls with XXXX and XXXX and have had no luck. XXXX said they issued the refund on XX/XX/XXXX, but then when I contacted them again to show them my credit card statement to prove I had no credits from them, they said they did not issue a refund and it would not be coming from them, it would come from XXXX. Ive been in contact with XXXX and most recently they said they would provide me with a one time credit of {$450.00} and instead, they filed a dispute for {$450.00}, which I found out today was denied by XXXX. So, I was charged for the item and XXXX took the money from XXXX, the seller, when the dispute was initially filed. Can you please provide some guidance or advice? I have never received my money back. 

I will attach my credit card statement showing I have no credits from XXXX after they said they submitted the refund on XX/XX/XXXX and I also attached a letter from XXXX showing I canceled the dispute. I have also attached a letter from XXXX showing they decided in the senders favor, which would be me and a screenshot of the payment they took from the merchant, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is reporting a bankruptcy on my credit file as XXXX XXXXXXXX XXXX XXXX XXXXXXXX This information is false and unverifiable. 

Experians own disclosure states all public record data comes from XXXX XXXX XXXX XXXX XXXX. 

My XXXX consumer report contains no bankruptcy records whatsoever.

The U.S. Bankruptcy Court ( N.D. Alabama ) provided a written letter confirming the court does not furnish or verify information for credit reporting agencies.

Despite this, Experian continues publishing a bankruptcy that can not be verified by its stated vendor or the court. This violates the Fair Credit Reporting Act, including FCRA 607 ( b ) ( reasonable procedures/accuracy ) and FCRA 611 ( duty to delete unverifiable information ).

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 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: HI

Complaint narrative:
Complaint Summary I was sent an advertisement/loan offer through Credit Karma for OneMain Financial XXXX XXXX {$12000.00} loan XXXXXXXX XXXX interest rate After applying, OneMain Financial only offered me {$1500.00} unsecured, not the {$12000.00} that was advertised.

This feels like a bait-and-switch tactic to get consumers to apply under false pretenses.

As a result, a hard inquiry was placed on my credit, which : -Lowered my credit score -Hurt my ability to qualify for future loans I am requesting the CFPB investigate this misleading practice and hold OneMain Financial accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Went on credit credit karma and filed disputes on transunion and equafax numerous times on wrong information after the 30 days from both the results came up unknown. All accounts that I filed something wrong and given unknown needs to be removed off my credit report immediately there are atleast 6 accounts, if the account doesnt respond with the answers within 30 days all accounts need to immediately removed. I have all proof with the investigations that have been completed and will send for PROOF. They need to do there job!!! It is affecting my scores dramatically and the process of policies need to be followed. Not fair to me to get Unknowns and keep it on reports to hurt my chances of refinancing my home.

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 2025-09-09 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: TX

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit
State: CA

Complaint narrative:
Company : Audi Financial Services ( VW Credit , Inc. ) Account : Lease account ending in XXXX Complaint : After successfully completing my vehicle lease payments and returning my car, Audi Financial Services later assessed a residual balance of {$490.00}. XXXX did not notify me through the phone number, email, or autopay details they had on file. Instead, they sent one letter to an outdated mailing address.

As a result, I never received notice of the balance until the account was reported as a charge-off, causing my credit score to fall dramatically from XXXX ( excellent ) to XXXX ( fair ). When I discovered this, I paid the {$490.00} immediately and in full. A collection agency letter arrived more than a month after the charge-off had already been reported. 

This practice caused significant consumer harm. XXXX failure to use valid contact methods deprived me of a fair opportunity to cure a small balance, and the resulting derogatory reporting is misleading and disproportionate. 

Requested Resolution : I request that Audi Financial Services remove the derogatory credit reporting. Under the Fair Credit Reporting Act, furnishers must ensure that reporting is accurate and complete. Reporting a charge-off without attempting reasonable notice to valid contact channels renders the information incomplete and unfairly damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
XXXX attempted to automatically renew my subscription on XX/XX/year> for an additional year, costing a total of {$120.00}, without providing clear or sufficient prior notice. I did not authorize this renewal and did not consent to be charged. 

When I disputed the charge, XXXX refused to cancel it and instead threatened me with collections. My account has since been referred to a third-party debt collection agency ( Rozlin Financial Group , Inc. - RFGI ), despite the charge being invalid and unauthorized. I was first contacted through Email by RFGI on XX/XX/year> at XXXXXXXX XXXX Central Time After being contacted by RFGI, I submitted a request for information regarding the full validation of the debt, including a copy of the original contract or agreement that authorized this renewal. I have yet to hear back from RFGI as of XX/XX/year> XXXXXXXX XXXX Central Time.

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 2025-09-09 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: SC

Complaint narrative:
I am writing to formally dispute the continued reporting of the following public record on my credit file : Public Record Reference No. : XXXX ) XXXX XXXX I previously submitted a dispute regarding this item, and in your response, you stated that the information was verified as accurate based on verification with the court. 
Following your claim, I directly contacted the court in question. Their official response which I have enclosed with this letter clearly states that they do not report to you or any credit bureau, nor do they verify information with such agencies. 
This calls into question the validity of your original investigation. It is now evident that either : The item was never verified with the court, and your claim was false ; or An error occurred during your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information you report. Continuing to report this item despite receiving contrary evidence violates the FCRA. 
Accordingly, I am formally requesting that this public record be immediately deleted from my credit report across all consumer reporting agencies. If you are unable to verify this item directly with the original source the court as required, it must be removed. Or I will pursue legal action for every day its been on my credit report

Company response to consumer: Closed with non-monetary relief