vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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 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  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} 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, XXXX as proof from the XXXX 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 2025-09-04 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: IA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 4 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-09-04 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: FL

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

Company 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 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Hello, On XX/XX/year>2025 I applied for a personal installment loan with OneMain Financial through XXXX XXXX. The offer I received clearly advertised that I was eligible for an {$18000.00} loan at 19.70 % APR, which would pay off my existing {$8900.00} balance and provide about {$9000.00} in additional cash. The offer emphasized outstanding approval odds.

After applying and authorizing a hard inquiry on my credit report, I was contacted within mintues via telephone by OneMain Financial and I was informed that I only qualified for {$4000.00} far less than what was advertised. The explanation I received was that my money was too tight because of my current balances and personal loan which I explained was the exact reason for this loan Im applying for to pay off and consolidate. She further stated since I dont have a car to put up as collateral they most they can do is {$4000.00}. This discrepancy feels misleading and deceptive. While I understand prequalification is not guaranteed approval, the advertised loan amount and approval odds did not accurately reflect the actual outcome.

This practice caused an unnecessary hard inquiry on my credit report, which has negatively impacted my credit score. I am requesting the CFPB review these marketing practices, ensure greater transparency for consumers, and, if possible, remove the hard inquiry tied to this misleading offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an address listed on my credit report that is not associated with me. This information is fraudulent and does not reflect my current or past residences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UMB FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I initiated an ACH payment from my XXXXXXXX XXXX XXXX Account ( XXXX  ) to my XXXX XXXX XXXX By mistake, I selected a closed XXXX account. The payment was misapplied and has not been credited. 

I reported the error in written on XX/XX/year> to XXXX XXXX, who confirmed that this error was passed to UMB Bank, N.A. ( routing ACH number XXXX ), the XXXX XXXX  that processed the transaction on the same day. I requested : 1. The ACH trace number for the payment, and 2. That the funds be recovered or returned to my XXXX. 

Despite my requests, XXXX has not provided the trace number until XX/XX/year> or has not ensured that UMB Bank takes action to recover the funds. This delay has left me unable to recover my money and caused inconvenience and potential financial risk. 

I am filing this complaint under Regulation E and request that UMB Bank, N.A. investigate, and return the misapplied payment. Supporting documents, including proof of payment and communications with XXXX, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-04 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: FL

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

1681c2 ) that you, the TransUnion 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 XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX & XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/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, XXXX as proof from the XXXX 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 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the inclusion of what appears to be an alleged medical debt reporting on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and recent changes to credit reporting guidelines that impact medical debt reporting.

Upon reviewing my credit report, I found the following medical debt item that I believe is being reported in violation of current federal guidelines : Creditor Name : XXXX XXXX  Amount : {$1100.00} Date Reported : XX/XX/XXXX Grounds for Dispute : As of XX/XX/XXXX, the three major credit bureausXXXX Experian, and XXXXagreed to no longer include paid medical debt on consumer credit reports. If this debt has been paid in full, it must be removed. 
As of XX/XX/XXXX, the credit bureaus began excluding all medical collections under {$500.00}, per the updated XXXX XXXX XXXX XXXX XXXX XXXX ) and CFPB guidance. 
Under the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information must not be reported. If this debt falls under the exclusions above, or is not properly validated, it is not eligible to remain on my credit report. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized that medical debt often does not accurately reflect a consumers creditworthiness due to billing errors and insurance disputes. The continued reporting of invalid or excluded medical debt could constitute an unfair practice under the Consumer Financial Protection Act of XXXX ( 12 U.S.C. 5531 ). 
I request that you : Investigate this matter under FCRA guidelines ; Provide written verification of the medical debt, including validation of the amount, date, and status ; Remove the account from my credit report if it is inaccurate, unverified, or qualifies under the exclusions outlined above.

Please complete this investigation within 30 days, as required under 15 U.S.C. 1681i ( a ). If the debt is not removed, I request a detailed explanation and documentation supporting its continued reporting. 

Sincerely, 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 2025-09-04 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
I filed a dispute on XX/XX/XXXX against XXXX. My XXXX  XXXX  purchased serval gold coin packages from this website and he did not have permission to do so especially since this site says its for 18 years up and hes a XXXX. I reached out to the company back in XXXX and they stringed me along for over a month before ultimately saying that they would not refund me. I reached out to Chime on XX/XX/XXXX and filed the dispute and sent them a copy of the email where XXXX refused to refund me. On XX/XX/XXXX and XXXX Chime declined both of my claims for approximately {$1000.00}. This is unfair as I provided proof that the company refused to refund me and they acknowledged that I did not make the charges. Chime does not advocate for the customers. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint to dispute the reporting of a fraudulent account under my credit profile. I have never applied for, authorized, or used this account, and I deny any connection to it. Its reporting is incorrect and continues to harm my credit standing.

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 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
I lost my job and submitted a formal hardship request to Enable Loans on XXXX XXXX, 2025, including a breakdown of payments made and a revocation of ACH authorization. I followed up with documentation of my termination per a request from their representative XXXX XXXX. 

Despite this, another representative responded with a generic and unreasonable demand for a lump-sum payment that completely ignored my hardship status and submitted proof. I sent a follow-up email addressed to XXXX, requesting she handle my account directly and urging a fair resolution. As of today, Enable Loans has failed to provide a good faith resolution or escalate to compliance. This is causing extreme financial XXXX  and appears to be an intentional delay tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
Dear Aidvantage : Thank you for your recent response regarding my Direct Consolidation Loan. My purpose for the dispute is two-fold. First, I am convinced that the loan amount being reported on my credit report is both inaccurate and excessive. Second, I have called your office repeatedly to advise that $ XXXX for a monthly payment is not a feasible repayment option for me. 

After reviewing the information provided, I am requesting additional documentation and clarification to ensure my rights under federal law are fully protected. Specifically : 1 ) Complete Loan Documentation - Please provide a full copy of the Direct Consolidation Loan promissory note, including the electronic signature certification log, as required under the Higher Education Act ( 20 U.S.C. 1082 ( a ) ( 4 ) ) and the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ).

Please also provide a complete payment and servicing history, including
information maintained by prior servicers, pursuant to the Privacy Act of 1974 ( 5 U.S.C 552a ).

2 ) Accuracy of Credit Reporting Under the Fair Credit Reporting Act ( 15 USC 1681s-2 and 1681i ), I request confirmation that all information furnished to consumer reporting agencies is accurate and complete. If there are any discrepancies, I request immediate correction.

3 ) Privacy Act Rights I am formally requesting access to all records pertaining to my loan ( s ), as provided for under the Privacy Act of 1974 ( 5 U.S.C. 552a ( d ). Please confirm receipt of this request. If you are unable to provide the requested documentation directly, kindly identify the appropriate Department of Education Office or prior servicer who maintains these records.

If I do not receive a satisfactory response, I may escalate my concerns to the FSA Ombudsman Group and the Consumer Financial Protection Bureau ( CFPB ).

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation