vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account name XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX, inquired on XXXX, XXXX, XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX, XXXX XXXX, inquired on XX/XX/XXXX, XXXX XXXX XXXX, inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, inquired XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX, inquired on XX/XX/XXXX XXXX XXXX  XXXX, inquired on XX/XX/XXXX, XXXX XXXX, inquired on XX/XX/XXXX, XXXX  XXXX XXXX, inquired on XX/XX/XXXX, XXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX, inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 
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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Company : FNBO ( First National Bank of Omaha ) Product : Credit Card Issue : Incorrect credit reporting / Inaccurate late payment On XX/XX/XXXX, I paid approximately {$3500.00} to satisfy my FNBO credit card account in full. After this payoff, a small {$3.00} charge posted to the account, which appears to have been trailing interest or a post-payoff charge that was not disclosed at the time of payoff. 

Because I was not clearly notified that this {$3.00} balance remained, FNBO assessed late fees and interest, causing the balance to increase to {$15.00}. Once I became aware of the balance, I promptly paid the full {$15.00} on XX/XX/XXXX. 

FNBO reported a XXXX late payment related solely to this {$3.00} post-payoff charge and the resulting late fees. Reporting a delinquency under these circumstances is materially misleading and does not accurately reflect my creditworthiness. 

Regulatory guidance across the financial industry, including FINRA guidance on fair and non-misleading reporting, recognizes that de minimis balances and incidental post-payoff charges should not be reported in a manner that creates a false or exaggerated impression of consumer risk. Escalating a trivial {$3.00} residual balance into a reportable delinquency through late fees conflicts with these fairness principles. 

This was not an intentional failure to pay. I made a good-faith payoff of {$3500.00}, and the residual balance resulted from FNBOs billing cycle and fee assessment practices. FNBO failed to exercise reasonable procedures to prevent reporting a delinquency for a trivial post-payoff amount that was later inflated by fees, causing disproportionate harm to my credit profile. 

I am disputing this reporting as inaccurate and unfair and am requesting that FNBO remove the XXXX late payment from all credit bureaus and correct my credit reports accordingly.

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I tried reaching out XX/XX/year> and XX/XX/year> and nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
Examine the attached documents ; the inquiries came unexpectedly and might not be authorized.

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 2025-12-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: OR

Complaint narrative:
I am disputing the accuracy of the OppLoans / XXXXXXXX XXXX account currently being reported on my credit report as charged off with a balance of approximately {$3100.00}. 

I previously disputed this account with XXXX. Although the account was verified, neither OppLoans nor XXXX XXXX  has provided competent evidence sufficient to substantiate the accuracy of the balance being reported. 

Specifically, I have not been provided with : A complete itemized accounting showing how my payments were applied to principal, interest, and fees A reconciliation explaining how the charged-off balance was calculated Documentation demonstrating how the reported balance was determined following acceleration and charge-off Given the extraordinarily high cost of credit associated with this account and the material discrepancies in the balance reported over time, accurate payment application and transparent accounting are essential. Without a full accounting ledger and explanation of balance calculation, the accuracy of the reported balance can not be independently verified. 

Despite these unresolved issues, the account continues to be reported as charged off. Reporting information that can not be substantiated with competent evidence is inconsistent with the furnishers obligations under the Fair Credit Reporting Act to report only information that is complete and accurate. 

I am requesting that OppLoans and/or XXXXXXXX XXXX  XXXX XXXX Provide full documentation substantiating the reported balance, including a complete payment history and balance reconciliation ; or Cease reporting this account to the credit bureaus. 

I am uploading written correspondence from OppLoans provided in response to my debt verification request. In this correspondence, OppLoans confirms that the account was charged off in XX/XX/year> and that OppLoans is no longer the owner of the account, stating that ownership has been transferred to a third party ( XXXX XXXX ). OppLoans further states that the balance information provided XXXX not be accurate or reflect recent payments. 

This admission reinforces that the balance currently being reported can not be verified with certainty, that ownership of the account is unclear, and that the furnisher lacks the documentation necessary to accurately substantiate the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
Could you review this entry? Its late and might be wrong.

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 2025-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was charged multiple times for the same subscription on XX/XX/XXXX and XX/XX/XXXX due to a XXXX XXXX XXXX. These were duplicate charges, not a dispute about the subscription itself. 

I provided screenshots showing the duplicate charges, proof that the merchant did not respond to my refund request, and the merchants refund policy stating billing errors may be refunded.

My bank denied the dispute twice and failed to conduct a proper investigation by treating this as a valid subscription charge instead of a duplicate billing error. 

I am requesting reversal of the duplicate charges and a proper review under the Electronic Fund Transfer Act.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTION SERV- is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV- is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

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 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 2025-12-26 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:
Take a look at the materials provided ; these inquiries arrived without prior notice and might be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
Kindly assess the provided materials ; the inquiries came in unexpectedly and may not have proper authorization.

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 2025-12-26 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:
These accounts are unrelated to me ; they must be deleted within 15 days in line with USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
Kindly review the documents shared ; these inquiries were unexpected and might not be authorized.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MS

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
I called to dispute a transaction already previously reported and resolved! I asked that my current debit card not be replaced as this is not the issue. The rep asked me multiple times if I had my debit card in hand ( brand new one expires XX/XX/year> ) she assured me ample times Id still have my original debit card as that is not the issue. A day later my debit card was replaced due to expiration date completely inaccurate. My debit card doesnt expire until XX/XX/year>. At the time of my original dispute where the debit card was not replaced because the agent LISTENED TO ME and was aware I had it in hand and did not give it to this company they honored my request. For some reason this agent not only lied but told me she would not replace my Debit card which wasnt even the ordinal one in preclude repeated dispute. I want to know why my debit card was reported as lost and stolen when I verbalized multiple times it wasnt and I had it in hand. And why my NEW DEBIT CARD I JUST GOT was reported as replacement due to expiration. I have tried calling chime and they even see in the notes what I communicated and what I was told WOULD NOT HAPPEN. Because I just got this card so for this random company to say I authorized something had nothing to do with my current debit card hints I JUST GOT IT. Seems like you guys just think the easy fix is replacement which isnt the problem!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: LEXISNEXIS
State: MN

Complaint narrative:
The bankruptcy reported on my credit file is inaccurate and has not been properly verified. The credit reporting agency failed to provide competent proof of verification despite prior disputes, violating FCRA 607 ( b ) and 611 ( a ). Continued reporting of unverifiable public record information is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago.

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence.

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my
consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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 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 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