vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$260.00} - Date Opened : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$7600.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$850.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
> I am filing this complaint against XXXX XXXX / OneMain Financial for refusing to provide written communication or documentation regarding my loan account and hardship resolution requests. 

Since early XX/XX/year>, I have repeatedly requested that XXXX provide all communication in writing for record-keeping and legal accuracy. Despite these requests, their representatives have consistently refused, insisting that I must call an account XXXX at XXXX. 

On XX/XX/year>, a representative named XXXX XXXX from their Loss Mitigation Team contacted me by email asking me to call today. I responded promptly and professionally, requesting a written explanation of the proposed resolution, an itemized loan breakdown ( principal, interest, fees, and credits ), and clarification regarding disputed down payment and interest rate inconsistencies. As of XX/XX/year>, they have failed to provide any written response. 

XXXX refusal to correspond in writing obstructs fair communication, creates an incomplete record, and potentially violates federal consumer-protection standards under the Truth in Lending Act ( TILA ), ECOA, and UDAAP principles overseen by the CFPB.

I am seeking regulatory intervention requiring XXXX/OneMain to : 1. Provide all responses and account documentation in writing ; 2. Pause any adverse credit reporting or collection activity while this dispute is under review ; and 3. Conduct a full audit of the loan account, including verification of the down payment and recalculation of the interest charges. 



I have preserved all correspondence demonstrating this refusal and can provide copies upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
I am submitting this complaint to formally dispute a charge-off account that has been mistakenly reported on my credit file. The charge-off account in question is reported as being from XXXX XXXX XXXXXXXX XXXX showing a balance of {$0.00}. However, I have no knowledge of this account, nor have I ever applied for or authorized any credit with XXXX XXXX XXXXXXXX. This inaccurate reporting has negatively impacted my credit score, and I am requesting that the matter be thoroughly investigated and the charge-off removed from my credit report. 
I have no knowledge of this account, nor have I applied for or authorized any credit with XXXX XXXX XXXXXXXX. It is my understanding that under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ), all information reported on my credit file must be accurate and verifiable. As such, I am requesting that an immediate investigation be initiated in accordance with FCRA 611, and that this incorrect charge-off be promptly removed from my credit report. 
The following inquiries were listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have never applied for credit with these entities, and I firmly believe that these inquiries do not reflect my financial activity. It is my understanding that under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ), all information reported on my credit file must be accurate and verifiable. As such, I am requesting that an immediate investigation be initiated in accordance with FCRA 611, and that these incorrect inquiries be promptly removed from my credit report.FCRA 611 mandates that disputes of this nature must be investigated within 30 days, and I request that this investigation be expedited, as it is critical for my financial well-being. The presence of this erroneous charge-off has significantly harmed my credit score and my ability to secure essential financial services, which may constitute a violation of my consumer rights. Furthermore, under FCRA 623 ( a ) ( 2 ), the furnishers of this ch
arge-off have a duty to ensure the accuracy of the information they report to the credit bureaus. Given that this account does not belong to me, I respectfully request that all relevant parties investigate and update their records to reflect the truth.

Finally, under FCRA 602 ( a ), it is the intent of the law to promote fair and accurate credit reporting. As this charge-off is inaccurate and potentially fraudulent, I urge you to expedite the removal process in accordance with these guidelines to remove my credit file.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) related to their failure to properly investigate and correct inaccurate information on my credit reports. 

Despite submitting multiple disputes over the past several months, including one more than 35 days ago, all three credit bureaus have failed to remove, correct, or provide documentation supporting the continued reporting of the disputed accounts. Their repeated inaction demonstrates a willful disregard for my rights under the FCRA.

The credit bureaus are in violation of the following FCRA provisions : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a clear and complete method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting consumer information. 

To date, none of the credit bureaus have provided the method or procedures used to verify the disputed accounts, documentation relied upon for verification, or full contact information for the furnishers of the data. These omissions directly violate federal law and prevent me from understanding or addressing the alleged information reported. 

Their noncompliance has caused ongoing harm to my credit standing and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I am filing this complaint because XXXX has placed or attempted to collect an invalid debt that should never have existed. 

Around XXXX of XXXX, I enrolled in XXXX XXXX XXXX  internet bundled with XXXX service while living in XXXX, Alabama. At that time, XXXX XXXX XXXX owned XXXX and handled both billing and cancellation. I contacted XXXX XXXX XXXX  on XX/XX/XXXX, to cancel all services and was explicitly told to dispose of all equipment. I paid my final XXXX XXXX XXXX bill XXXX and my account was closed with no balance due. 

This year, XXXX, I received a {$450.00} collection notice from XXXX. After investigating, it appears XXXX & XXXX properly canceled my service, but XXXX failed to close their portion of the account internally. I have continued to maintain an active XXXX XXXX XXXX  account with no issues or delinquencies. 

When I contacted XXXX to resolve this, their customer service refused to acknowledge that this was part of an XXXX XXXX XXXX billing error and declined to provide proof that I owe the amount. XXXX XXXX XXXX representatives confirmed that the service was bundled and canceled properly, but XXXX has not updated their records. 

I am disputing this debt under the Fair Debt Collection Practices Act and requesting immediate resolution including removal of any collection record, correction of any credit reporting, and confirmation that the alleged {$450.00} balance is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XX/XX/year> i submitted to all XXXX major credit agencies to freeze and place fraud alerts on all my profiles due to unwarranted activity. XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX have been notified.the following accounts are clearly in violation of code 15 U.S.C 1681 1b ( a ) ( 3 ) ( A ) and 15 U.S.C.1681e ( b ) 1. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX Account Number * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX Account Number * XXXX I never entered into any legitimate business with such debt collectors nor did i sign a contract of good faith with these entities. Who gave them permission to access my credit Profile!

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 2025-11-12 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: MS

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
A new collection account from Security Credit Service appeared on my credit report, listing XXXX XXXX XXXX as the original creditor. I have never received any communication, validation notice, or documentation from either company prior to this appearing on my credit report. There was no attempt to verify the accuracy of this alleged debt before it was furnished to the bureaus. 

Under 15 U.S.C. 1692g ( FDCPA ), a debt collector is required to provide written validation within five days of their initial communication. I have not received any such validation, and I never authorized Security Credit Service or XXXX XXXX XXXX to access, collect, or report my personal information. 

This tradeline was added without my consent and violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA duty to ensure maximum accuracy ) and 1681s-2 ( duties of furnishers ). Furthermore, this account does not comply with XXXX XXXX reporting standards or XXXX dispute procedures, as no validation or direct communication occurred prior to reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
I have discovered public records associated with my credit report that I do not recognize, which is deeply concerning. I urgently request the removal of these entries, as they are causing me significant XXXX  and distress.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have discovered public records associated with my credit report that I do not recognize, which is deeply concerning. I urgently request the removal of these entries, as they are causing me significant XXXX  and distress.

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 2025-11-12 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding several accounts that appear on my XXXX  credit report and that have violated my federally protected consumer rights to privacy, confidentiality, and accuracy under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The following accounts are in question : DPT ED 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, I reviewed my XXXX XXXXXXXX XXXX Equifax credit reports and identified that the above accounts are incomplete, inaccurate, and not properly verified. These reporting practices are in direct violation of my rights under the FCRA. Specifically : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. The listed accounts fail to meet this standard. 15 U.S.C. 1681i ( a ) ( 5 ) : When information is disputed and found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must delete or modify the item promptly and notify the furnisher. This has not been done in my case. 15 U.S.C. 1681s-2 ( a ) : A furnisher of information is prohibited from supplying any information to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate. These accounts were furnished without proper verification. Requested Action I am demanding that all unauthorized and fraudulent accounts listed above be permanently deleted from my credit file. These accounts were reported in violation of the FCRA, and their continued presence causes me direct harm. Please investigate this matter promptly and provide me with written confirmation once the corrections have been made. I am asking to delete any address that is not XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX. I never applied for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education, and I am requesting they are deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a complete identity theft dispute package to the credit reporting agency that included my official IC3 Identity Theft Report, proof of identity and address, and a detailed list of fraudulent accounts and inquiries.

Under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 ( FCRA 605B ) and 1681i ( FCRA 611 ), the company is required to block all information resulting from identity theft within four business days and to complete a reinvestigation within thirty days. 

Despite receiving all required documentation, the company has failed to remove or block the fraudulent tradelines and has not provided any written results or verification. This lack of response violates FCRA requirements and continues to harm my credit. 

I am requesting that the CFPB compel the company to immediately : Block all identity-theft-related accounts and inquiries under 605B, Delete unverifiable or unauthorized information, and Provide me with written confirmation that these items have been permanently removed.

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 2025-11-12 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:
This complaint is filed by XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX, against Experian and XXXX XXXX XXXX XXXX XXXXXXXX for reporting false and contradictory credit information. Experian shows multiple XXXX student loan accounts as XXXX  Days Late as of XX/XX/year>, while those same accounts are listed as In Good Standing with 100 % on-time payment history. This inconsistency is impossible and violates the Fair Credit Reporting Act ( FCRA ) accuracy requirements. 

XXXX XXXX submitted a written dispute to Experian on XX/XX/year>, but the bureau has failed to investigate or correct the false information. These actions represent willful noncompliance with FCRA 611 and 623 ( b ). The false reporting has harmed XXXX XXXX XXXX XXXX and reputation. 

We request the CFPB investigate and order Experian and XXXX to delete all inaccurate XXXX  Days Late entries, confirm the accounts as current, and improve their reporting controls to prevent future violations. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: IA

Complaint narrative:
In XXXX, XXXX, and XXXX I sent certfied letters asking that they provide me with required documentation showing the information is accurate or they delete the in accurate information. They did neither.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
The debt ( medical bill ) is well over XXXX XXXX XXXX and it should not be on a credit report since it should expire after XXXX  years. 
Also, two collector agencies XXXX XXXX XXXX XXXX XXXX and second is XXXX XXXX  XXXX are claiming the same debt at once which looks like I owe same amount twice to two different agencies. It is a total scam and unacceptable, not to mention that the debt is way too old or time-barred to even exist by now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: Applied Business Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding XXXX  XXXX which is reporting inaccurate and unverified information on my credit report. The account, listed under number XXXX, was opened on XX/XX/year>, and shows a balance of {$39.00} that was charged off. I have not received any proper validation or supporting documentation from XXXX  XXXX  to prove the accuracy or legitimacy of this account. The company has failed to provide a signed credit agreement, detailed payment history, or lawful evidence verifying that I am responsible for this debt. Despite the lack of proof, this account continues to be reported as charged off, which is negatively impacting my creditworthiness. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require XXXX  XXXX  to provide full and verifiable documentation validating this account. If the company can not produce legitimate evidence in compliance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that this account and all related negative information be permanently removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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