vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.XXXX XXXX XXXXXXXX I require this account to be validated under oath. If the XXXX XXXX XXXX XXXX or someone from its executive team is unable to provide such verification/validation, then I require this account ( s ) to be removed from my credit & XXXX XXXX XXXX to discharge & close the account. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I am writing to dispute inaccurate and damaging information listed in my Equifax credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that Equifax has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/2025 ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Consumer Complaint OneMain Financial I am submitting a formal consumer complaint against OneMain Financial regarding a personal loan I believe was issued under predatory and abusive lending terms. In XX/XX/XXXX, I received a loan in the amount of {$20000.00}, with a total repayment obligation of {$29000.00} including interest. This loan was secured by my personal vehicle, which had a fair market value of only {$10000.00} at the time. 

This results in a Loan-to-Value ( LTV ) ratio of approximately XXXX XXXX without interest and XXXX XXXX  including interestan amount far exceeding reasonable or industry-standard lending practices. Additionally, the loan carries a high interest rate ranging from XXXX XXXX to XXXX XXXX, and was approved with minimal transparency regarding the financial risks and long-term burden involved. 

I was not adequately informed about the implications of the loan terms, the valuation methodology used for my collateral, or the affordability assessment used in the approval process. I believe this may reflect abusive or deceptive practices aimed at financially vulnerable individuals. 

In XX/XX/XXXX, I contacted OneMain Financial to express my concerns and formally requested a review of the loan. I also asked for clarification on how the collateral value was determined to justify the loan amount. I was told only that the loan was in order, with no further explanation or documentation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: KS

Complaint narrative:
XXXX XXXX XXXX in XXXX, KS has unlawfully outsourced a debt to Consumer Customer Collection services, the collection agency has reported the wrong amount on my credit report without my knowledge in violation of 15 usc 1681c-2 15 usc 1692 15 usc 1681e ( b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-06-30 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= XXXX + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

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 explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-30 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: MI

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

This is the second time I am disputing these accounts, and I have yet to receive a valid investigation response or supporting documentation.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : 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 I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not delete this account immediately, please provide the required information. 
I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MI

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

This is the second time I am disputing these accounts, and I have yet to receive a valid investigation response or supporting documentation.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : 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 I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not delete this account immediately, please provide the required information. 
I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending 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 non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I submitted a written dispute regarding a late payment reported by XXXX XXXX XXXX XXXX, account number XXXX Under FCRA XXXX XXXX ( XXXX XXXX Code XXXX ), I have the right to dispute inaccurate information and to have a reasonable reinvestigation conducted within XXXX days. The credit bureau is required to : Reinvestigate the item ( XXXX ( a ) ( XXXX ) ( A ) ) Notify the furnisher of the dispute within XXXX business days ( XXXX ( a ) ( XXXX ) ( A ) ) Delete or correct any item that can not be verified ( XXXX ( a ) ( XXXX ) ( A ) ) Provide me with the results of the reinvestigation and the method of verification ( XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) The bureau failed to verify the accuracy of the reported late payment or provide proper documentation, and yet the derogatory mark remains on my credit report. This is a violation of my rights under FCRA XXXX XXXX. 

I am requesting that the CFPB take action to require the credit bureau to : Delete the late payment if it can not be verified with supporting documentation ; or Provide a full copy of the verification received from the furnisher of the information. 

This inaccuracy is having a negative effect on my credit standing, and I seek a timely resolution in accordance with federal law.

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 2025-06-30 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 submitted a written dispute regarding a late payment reported by XXXX XXXX XXXX XXXX, account number XXXX Under FCRA XXXX XXXX ( XXXX XXXX Code XXXX ), I have the right to dispute inaccurate information and to have a reasonable reinvestigation conducted within XXXX days. The credit bureau is required to : Reinvestigate the item ( XXXX ( a ) ( XXXX ) ( A ) ) Notify the furnisher of the dispute within XXXX business days ( XXXX ( a ) ( XXXX ) ( A ) ) Delete or correct any item that can not be verified ( XXXX ( a ) ( XXXX ) ( A ) ) Provide me with the results of the reinvestigation and the method of verification ( XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) The bureau failed to verify the accuracy of the reported late payment or provide proper documentation, and yet the derogatory mark remains on my credit report. This is a violation of my rights under FCRA XXXX XXXX. 

I am requesting that the CFPB take action to require the credit bureau to : Delete the late payment if it can not be verified with supporting documentation ; or Provide a full copy of the verification received from the furnisher of the information. 

This inaccuracy is having a negative effect on my credit standing, and I seek a timely resolution in accordance with federal law.

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 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In late XX/XX/year>, Midland Credit Management called me regarding a debt I did not recognize. I told them I wasnt familiar with it and asked for validation. Within a few days, they sent a letter claiming they bought the debt from XXXX XXXX  and included a copy of a billing statement. Before I had time to fully dispute or investigate the debt, I was served with a lawsuit. 

I informed them that they still had not validated the debt. Instead of responding with proper validation, they sent me the same exact letter again in XXXX XXXX months after they had already sued me. This raises questions about the accuracy and timing of their documentation, and whether they followed proper procedures under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Identity was compromised in a data breach. I called the company serval times unable to speak to anyone. I'm having problems with my online account. I can't access it because it says to call a number but you can't speak to anyone. I filed a FTC report and sent it to the company along with my ss card and ID. Company is refusing to remove unknown accounts off my report.

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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: IA

Complaint narrative:
Discover Bank initiated and authorized a {$21000.00} fraudulent wire transfer with no attempt to contact or approve the transfer with myself or my husband who is a joint owner. We did nothing to initiate this transfer and only learned of it after logging in to our bank account. Someone was able to hack in to our account and change our personal information. We received no notification of suspicious activity and no recourse from Discover at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. This is my 3rd time trying to fix these issues with them.

My rights are being violated, also I'm entittled {$1000.00} for every violation Ilisted. Either I get paid or they delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
* Subject : * * Request for Removal of Unauthorized Inquiries Dear Experian Dispute Department, I am writing to formally dispute the following inquiries on my credit report, as I did not authorize them. Please investigate and remove these entries promptly, as they are negatively impacting my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Type : Automobile Dealers, Used - Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Type : XXXX XXXX- Phone : ( XXXX ) XXXX I have not applied for credit with these entities, and these inquiries are fraudulent or erroneous. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct inaccurate information within 30 days. Please provide written confirmation of the removal and an updated credit report once the investigation is complete.

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