vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Cycle Finance, Inc.
State: VA

Complaint narrative:
To whom it may concern. I have disputed this account multiple times with no resolution. This auto loan account was opened in XXXX and closed on XX/XX/XXXX. The balance is {$0.00} and it was satisfied as of XX/XX/XXXX. Despite being paid and closed, the tradeline is still reporting as a repossession with derogatory coding. This is inaccurate and misleading because the account was resolved and no balance is owed. I am requesting that the company and the credit reporting agencies update this tradeline to Paid/Closed Never Late or delete it entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Willing forfiet on loan and gave vehicle to be sold and was not forgiven the loan I put XXXX dollar in the car to be fixed and sold and company only sold vehicle for XXXX and I would like to be forgiven for the entirely for the loan if not a reasonably low amount to settle actions were unfair and Is in fact destroying my chances of using any credit I need through a financial hardship at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
b'I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit reportXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed:$XXXX XXXX XXXX Balance Owed: $XXXX XXXX Balance Owed: $XXXX XXXX  Balance Owed: $XXXX XXXX XXXX XXXX  Balance Owed: $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 2025-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX, it was reported on my credit report that XXXX hard inquiries were made. SYNCB/LOWES ( construction ) and XXXX XXXX ( Contract hire ) are what listed for the XXXX hard inquiries. Worried someone has stolen my identity, opened accounts, and are maxing them out. I did not apply for these cards. I have no idea what to do.

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 2025-09-12 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: FL

Complaint narrative:
I am submitting this complaint to dispute several inaccurate and unverifiable items appearing on my credit file. Under the Fair Credit Reporting Act, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain maximum possible accuracy, and FCRA 605B 15 U.S.C. 1681c-2 requires that information resulting from identity theft, errors, or unverifiable reporting must be blocked and removed from my credit file. 
My credit report includes multiple XXXX XXXX XXXX accounts reported as charge-offs with balances of {$17000.00}, {$14000.00}, and {$12000.00}. These debts exceed {$600.00}, yet no IRS Form 1099-C has been issued to properly document cancellation of debt. Because these accounts are reported without proper verification or supporting documentation, they are inaccurate and must be removed from my credit file to comply with FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, my report includes a XXXX account ending in XXXX, which is reported in collections with a balance of {$0.00}. Reporting a zero-balance account as a collection is misleading and inaccurate. Similarly, a XXXX XXXX account ending in XXXX is reported in collections with a balance of {$1700.00}, and the reporting is inconsistent and unverifiable.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because there is inaccurate and harmful information being reported about me that is violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors are damaging my credit profile, affecting my ability to obtain fair credit, and causing unnecessary financial and emotional stress. I have previously disputed these items directly with the credit bureaus, and they have failed to provide proper verification as required by law. I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) for immediate reinvestigation and enforcement action. 

DISPUTED ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} is being reported as a charge-off which is both misleading and inaccurate. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know or should know is inaccurate. Reporting a {$0.00} balance account as a charge-off suggests loss and default even though no amount is owed. This creates a negative impact on my credit profile, affects my creditworthiness, and misrepresents my financial history. I am requesting that you verify the original creditors records, including payment history, account status, and balance. If this account can not be fully verified with proper documentation, it must be deleted under the FCRA and in compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Continuing to report unverifiable data would constitute willful noncompliance and subject the bureau and furnisher to CFPB action and potential civil liability.

I am requesting that the CFPB enforce my rights under FCRA 611 ( a ) and require the credit bureau and furnisher to delete the inaccurate address and the unverifiable account from my credit report immediately. Failure to do so violates federal law and continues to harm me financially and emotionally. I have made good faith attempts to resolve this directly, but the bureaus and furnishers have ignored my rights. I am requesting that CFPB hold them accountable and ensure compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit reportXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed:$XXXX XXXX XXXX Balance Owed: $XXXX XXXX Balance Owed: $XXXX XXXX  Balance Owed: $XXXX XXXX XXXX XXXX  Balance Owed: $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 non-monetary relief
Consumer complaint received 2025-09-12 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

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 2025-09-12 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: Dave Operating, LLC
State: CA

Complaint narrative:
The third time I have had money taken from the Dave account. A brand new card I received and activated was immediately compromised after using it. I received a new card due to fraud and they are now sending me a new one again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

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 2025-09-12 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
To whom It May Concern, I am writing to dispute the accuracy of information in my credit file, as provided under my rights in the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i. The following items are being reported inaccurately and must be investigated and removed if the credit reporting agency can not verify them with proper documentation, Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable re-investigation of these items and provide me with written results within 30 days of receiving this dispute. If you can not verify the accuracy of the disputed information, the law requires that it be deleted from my credit report. Additionally, under 15 U.S.C 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, you must promptly delete it and provide me with written confirmation of the deletion. Please also send me an updated copy of my credit report reflecting the results of your investigation.

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 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed multiple inaccurate accounts, a bankruptcy record, and unauthorized inquiries with TransUnion over 20 times. Despite my disputes and CFPB complaints, TransUnion continues to report unverifiable and inaccurate information, violating FCRA 611, 607 ( b ), and 623. 
TransUnion has failed to provide courthouse-verified documentation for a dismissed XX/XX/XXXXXXXX bankruptcy ( XXXX XXXX. XXXX, dismissed XX/XX/year> ). XXXX on XXXX or XXXX does not satisfy FCRA requirements. Reporting unverifiable bankruptcies and accounts such as XXXX and XXXX XXXX constitutes willful noncompliance. 
I demand immediate deletion of all unverifiable accounts, public records, and unauthorized hard inquiries, and request written confirmation of corrections. 

I have disputed accounts with XX/XX/XXXX over 20 times, including XXXX XXXX and XXXX. Despite repeated disputes and CFPB complaints, these accounts remain on my report. 
This violates FCRA 611 ( failure to reinvestigate ), 607 ( b ) ( failure to maintain accuracy ), and 623 ( continued reporting after notice ). XXXX repeated inaction shows willful noncompliance under 1681n.

I demand immediate deletion of all unverifiable accounts and written confirmation of corrections. 

I have disputed the XXXXXX/XX/XXXX and multiple unauthorized inquiries with XX/XX/XXXXmore than 20 times. Despite disputes and CFPB complaints,XX/XX/XXXXXX/XX/XXXXcontinues to report inaccurate and unverifiable information, violating FCRA 611, 607 ( b ), 623, and 604.

This includes unauthorized hard inquiries from XXXX XXXXXX/XX/XXXX and othersnone of which I authorized. Reporting these inquiries is unlawful under 1681b ( f ). 
I demand immediate deletion of all unverifiable accounts and unauthorized inquiries, with written confirmation of corrections.

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 2025-09-12 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
Upon reviewing my credit report, I identified multiple account that I did not open or authorize. This account appear to have been fraudulently created using my personal information without my knowledge or consent. As such, I am requesting their immediate removal from my credit file. Here is the account I am disputing : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} Under the Fair Credit Reporting Act ( FCRA ) 605B, I formally request that these account be removed from my credit report. If you believe any of this account is valid, please provide verifiable documentation, such as the original signed application or any evidence bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately. 

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place. 

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently disputed the inaccurate reporting of late payments on my credit report with the XXXX major credit XXXX, Equifax, and XXXX FCRA XXXX ( 15 U.S.C. 1681i ). The disputed information involves my XXXX XXXX XXXX account and XXXX XXXX account, which are reported as being late. However, this information is incorrect. 
XXXX XXXX XXXX : The Experian credit report inaccurately indicates I was 30 days late in XX/XX/year>, despite the fact that I have been making timely payments. TransUnion and Equifax correctly reflect this account as " Paid as agreed. '' XXXX XXXX : The Experian credit report inaccurately indicates that I was " 60 days past due. '' I resolved the balance by XX/XX/year>, but this inaccurate information is still reflected. 
I have provided supporting documentation to both the credit bureaus and the furnishers to show that this information is incorrect. However, despite this, the credit bureaus have failed to conduct a reasonable reinvestigation under the required XXXX period, and the inaccurate information remains on my credit report. This is a direct violation of my rights under FCRA XXXX ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Credit Corporation
State: VA

Complaint narrative:
US Auto Credit is furnishing inaccurate information to XXXX  My Vehicle was repossessed in XXXX and the account was charged off that year. Despite this, all three credit bureaus continue to show the account as a new " Charge Off '' every month from XXXX through XXXX, which is unlawful " re-aging '' under FCRA 623 ( a ) ( 5 ). Additionally, the reported balance has grown to {$11000.00}, higher than my original balance of {$9500.00}, even though {$4400.00} was written off. This is balance inflation in violation of FCRA 623 ( a ) ( 1 ) ( A ). supporting document also shows the account being closed XX/XX/XXXX which is very inaccurate and has damaged my credit worthiness. I have filed disputes with XXXX  regarding this matter but they have corrected this account. 

This inaccurate reporting is severely lowering my credit score and making it appear as though i have a continuously delinquent account, when in fact the default occurred in XXXX. The re-aging and inflated balance are misleading and damaging.

Company response to consumer: Closed with explanation