vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
I dispute the following items on my Equifax credit report. Please review these accounts and make the necessary corrections : Charged Off Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Someone opened up a bank of america card in my name back in XXXX. I was able to get them to close the account but they want me to mail all my info through the mail to get info on who and how it was opened in the first place. I do not want to put my sss number and ID and passport in the mailbox.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves 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 non-monetary relief
Consumer complaint received 2025-12-23 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Charged-Off Account in Dispute I dispute the following charged-off account on my Experian report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/year> Balance {$7000.00} This account is being reported with information that I believe is inaccurate or incomplete. I am requesting verification of the account status, balance, and reporting dates. If Experian can not fully verify this information with documentation from the original creditor, I request that the account be corrected or 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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Burns Auto Credit, LLC
State: SC

Complaint narrative:
Improper Vehicle Repossession and Sale XXXX XXXXXXXX XXXX XXXX XXXX Vehicle repossessed : XX/XX/year> from my current address in XXXX XXXX, SC due to alleged loan default. 
Notice of Intent to Sell : Received on or after XX/XX/year>, sent to my previous address even though lender had my current address. 
Timing issue : Notice stated vehicle would be sold at a private sale sometime after XX/XX/year>, but I received it late, preventing me from redeeming my vehicle. 
Vehicle still listed online : As of today, the same vehicle is listed for sale by the lender, suggesting the sale may not have been completed properly. 
Credit impact : My credit report reflects this repossession, negatively affecting my credit. 
Vehicle status : As of today, the same vehicle is still listed online for sale by the lender, at a price of {$13000.00}, slightly below my original purchase price of ~ {$14000.00}. This raises concerns that the sale may not have been conducted properly or in a commercially reasonable manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Synovus Bank
State: NC

Complaint narrative:
Old address, wrong names listed, wrong dates on accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS COMPLAINT CONCERNS ACCOUNTS APPEARING ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE. I HAVE NO AFFILIATION WITH THESE ACCOUNTS AND FORMALLY REQUEST THEIR REMOVAL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: MN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand that Honda Financial Services immediately cease and desist from reporting inaccurate, incomplete, and/or unverified information regarding the above-referenced account to any consumer reporting agency.

Honda Financial Services is currently furnishing information to one or more credit bureaus that I dispute as inaccurate and/or misleading. This reporting is causing ongoing harm to my credit profile and financial standing.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), furnishers of information have a legal obligation to ensure that all information reported is complete, accurate, and verifiable. Reporting information that is inaccurate, misleading, or not properly verified constitutes a violation of federal law.

Accordingly, I hereby demand the following : Immediate cessation of any inaccurate or disputed reporting related to this account. 

A full investigation and verification of the information currently being reported. 

Correction or deletion of any information that can not be fully substantiated with competent evidence. 

Written confirmation of the actions taken to resolve this matter. 

Failure to comply with this notice may leave me no choice but to pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX Attorney General, and seeking legal relief for violations of the Fair Credit Reporting Act. 

This letter serves as formal notice. Please govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
I dispute the following items on my TransUnion credit report. Please review these accounts and make the necessary corrections : Charged Off Accounts : 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 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 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
XXXX sent me to collections for money that was never owed. I paid them {$68.00} XXXX XXXX then they reversed the payment on XXXX XXXX telling me that I was in good standing. I received a letter from Harris & Harris , LTD on XXXX XXXX stating that I owed {$88.00} to XXXX and not paying would affect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX ( a subsidiary of PayPal Holdings , Inc. ) has been holding approximately {$200.00} of my funds for over two months without providing a clear or specific reason. 

There is no XXXX dispute, no chargeback, no fraud claim, and no court order associated with my XXXX account. I have repeatedly requested written clarification, but XXXX has only provided vague statements about an account review without citing any specific policy violation or timeline for release. 

My PayPal account has a negative balance due to a disputed transaction, where a customer falsely claimed she paid me twice. XXXX appears to be holding my funds due to this unrelated PayPal dispute, which I believe constitutes an improper cross-platform restriction. 

I did not authorize cross-account setoff between PayPal and XXXX, and no legal process has been presented that would justify withholding my XXXX balance. 

I am requesting : 1. Written explanation citing the specific XXXX policy authorizing this hold 2. Confirmation whether the hold is tied to PayPal rather than XXXX activity 3. Immediate release of my funds if no XXXX violation exists, or a clear timeline for release Holding consumer funds for months without explanation or resolution is unreasonable and financially harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I am writing to request assurance with my personal loan I have with one Maib financial. Over the past year my household experienced significant financial strain due to XXXX XXXX. We had to get a new roof and windows which were not covered by XXXX or insurance. As a result my monthly payments have been difficult for me to manage despite the fact that my account is current. I have contacted my local one main branch to see what assistance was available - hardship or payment reduction and was told nothing was available. Im not looking to avoid my obligation and want to continue to pay my loan but I would like to see if I could have a review to see for any possible temporary hardship, modification, alternative payment options or any other assistance available. Thank you for your time. 
My payment is with One main. The local branch is in XXXX Nc. Its due the XXXX of every month. Its secured by my car and its XXXX which I always pay by the end of the month. I have contacted the local branch and spoke with the XXXX as well as contacting the XXXX customer service number and was told the local branch had to handle it. 
Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: SC

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: SC

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 am writing to dispute the following accounts on my credit report. These accounts are inaccurately reported, and I request that they be corrected or removed as necessary. Please review the details of the disputed accounts, as listed for each bureau : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Inquiries : 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 XXXXXX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation