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 — Account information incorrect
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced account, which your company continues to report to my consumer credit file as a charge-off. Please be advised that I am formally requesting a full accounting and documentation of this account pursuant to UCC 9-210 and applicable federal and state consumer protection laws.

Specifically, I am requesting : A complete itemized accounting of all debits, credits, interest, fees, and payments applied to the account from origination to present ; Copies of the original security agreement or retail installment contract, including all amendments or modifications ; Documentation of any and all assignments, sales, or transfers of the account, including but not limited to any transfers to a trust or third party ; Evidence of securitization or placement into any trust or pool, along with the chain of title of ownership ; Identification of the current secured party of record, as required under UCC 9-210 ; Since the account status is Charge Off, please send me copies of any and all IRS Forms 1099 ( including but not limited to 1099-C or 1099-A ) that were filed or issued in relation to this account.

Please note that under UCC 9-210, you are obligated to provide a response to this request. Failure to comply may subject your company to statutory damages and other remedies available under law.

As the account is being reported on my consumer credit reports, I am entitled to full transparency and proof of ownership, authority, and lawful standing regarding the account. Until such documentation is provided, any continued reporting may constitute furnishing inaccurate or unverifiable information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX opened a business debit account for me, which was later converted into a credit account without my consent. XXXX then closed the account abruptly, despite the fact that I did not have a delinquent balance. At the time of closure, my balance was well below {$5000.00}. 

After closing the account, XXXX falsely reported to the credit bureaus that I owed more than {$5000.00}. This is not true. I never carried a balance of that size, and the debt XXXX is reporting is fraudulent. 

This false reporting is severely damaging my credit profile and has already caused other banks ( including XXXX XXXX XXXXXXXX ) to lower my credit limit based on XXXX inaccurate tradeline. 

I have already disputed this with all three credit bureaus ( XXXX, Equifax, and XXXX  ), but XXXX continues to report this false information. Under the Fair Credit Reporting Act, XXXX is required to report accurate and truthful information, which it has failed to do. 

I am requesting that XXXX : XXXX. Immediately correct the false tradeline by removing or updating the account to reflect its true status and balance. 
2. Provide me with documentation of how this alleged $ XXXX balance was calculated. 
3. Stop reporting inaccurate information that is causing serious harm to my credit and financial situation.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX opened a business debit account for me, which was later converted into a credit account without my consent. XXXX then closed the account abruptly, despite the fact that I did not have a delinquent balance. At the time of closure, my balance was well below {$5000.00}. 

After closing the account, XXXX falsely reported to the credit bureaus that I owed more than {$5000.00}. This is not true. I never carried a balance of that size, and the debt XXXX is reporting is fraudulent. 

This false reporting is severely damaging my credit profile and has already caused other banks ( including XXXX XXXX XXXX ) to lower my credit limit based on Chases inaccurate tradeline. 

I have already disputed this with all three credit bureaus ( XXXX XXXX, and TransUnion ), but XXXX continues to report this false information. Under the Fair Credit Reporting Act, XXXX is required to report accurate and truthful information, which it has failed to do. 

I am requesting that XXXX : 1. Immediately correct the false tradeline by removing or updating the account to reflect its true status and balance. 
2. Provide me with documentation of how this alleged $ XXXX balance was calculated. 
3. Stop reporting inaccurate information that is causing serious harm to my credit and financial situation.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX opened a business debit account for me, which was later converted into a credit account without my consent. XXXX then closed the account abruptly, despite the fact that I did not have a delinquent balance. At the time of closure, my balance was well below {$5000.00}. 

After closing the account, XXXX falsely reported to the credit bureaus that I owed more than {$5000.00}. This is not true. I never carried a balance of that size, and the debt XXXX is reporting is fraudulent. 

This false reporting is severely damaging my credit profile and has already caused other banks ( including XXXX XXXX XXXXXXXX ) to lower my credit limit based on XXXX  inaccurate tradeline. 

I have already disputed this with all three credit bureaus ( Experian, XXXX XXXX XXXX ), but XXXX continues to report this false information. Under the Fair Credit Reporting Act, XXXX is required to report accurate and truthful information, which it has failed to do. 

I am requesting that XXXX : 1. Immediately correct the false tradeline by removing or updating the account to reflect its true status and balance. 
2. Provide me with documentation of how this alleged $ XXXX balance was calculated. 
3. Stop reporting inaccurate information that is causing serious harm to my credit and financial situation.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/year> I am disputing the late payment history reported on the above-referenced account. My records Reflect timely payments, making the reporting inaccurate.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/year> I am disputing the late payment history reported on the above-referenced account. My records Reflect timely payments, making the reporting inaccurate.

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: CA

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

1681c2 ) that you, the Experian 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, as proof from the US 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: 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: NY

Complaint narrative:
I asked for, and received, credit line increases on my XXXX credit card on XX/XX/XXXX and XX/XX/XXXX of XXXX, and they both resulted in hard inquiries. It's not right to do a hard pull for the purposes of a credit line increase on an already existing credit card.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Several accounts on my credit reports have been reported with serious errors that continue to harm my credit standing. For example, between XXXX and XXXX, XXXX XXXX and XXXX XXXX reported charge-offs with balances of \ {$540.00}, \ {$540.00}, and \ {$730.00}, even though these accounts were closed and disputes were previously filed, but the companies marked them as resolved without providing proper validation. XXXX and XXXX XXXX accounts were canceled years ago by the grantors, yet they are still showing derogatory remarks, which is outdated and misleading. In XX/XX/XXXX, XXXX XXXX began reporting a \ {$240.00} collection account tied to XXXX, but no evidence or contract has ever been provided to prove the validity of this debt. Additionally, throughout XXXX and XXXX, multiple unauthorized hard inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  appeared on my file, which I did not approve. On top of this, my reports show inaccurate personal information, including outdated addresses and name variations that do not belong to me. Despite previous disputes, these items remain, and the companies have failed to provide documentation to verify them, which is a clear violation of the Fair Credit Reporting Act.

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: PA

Complaint narrative:
Several accounts on my credit reports have been reported with serious errors that continue to harm my credit standing. For example, between XXXX and XXXX, XXXX XXXX and XXXX XXXX reported charge-offs with balances of \ {$540.00}, \ {$540.00}, and \ {$730.00}, even though these accounts were closed and disputes were previously filed, but the companies marked them as resolved without providing proper validation. XXXX and XXXX XXXX accounts were canceled years ago by the grantors, yet they are still showing derogatory remarks, which is outdated and misleading. In XX/XX/XXXX, XXXX XXXX began reporting a \ {$240.00} collection account tied to XXXX, but no evidence or contract has ever been provided to prove the validity of this debt. Additionally, throughout XXXX and XXXX, multiple unauthorized hard inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  appeared on my file, which I did not approve. On top of this, my reports show inaccurate personal information, including outdated addresses and name variations that do not belong to me. Despite previous disputes, these items remain, and the companies have failed to provide documentation to verify them, which is a clear violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: MD

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 : INQUIRIES : CRSLLC Date : XX/XX/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 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} 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 US 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: 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: TX

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America lowered my credit card limit because of a false {$5000.00} debt reported by XXXX. This tradeline is fraudulent I never opened a XXXX credit account. I was signed up for a business debit account without consent, which was later changed into a credit account, closed, and then falsely reported as a debt. 

I have active disputes with all three credit bureaus ( XXXX XXXX XXXX XXXX ). Under the Fair Credit Reporting Act ( FCRA ), disputed information can not be treated as verified. Despite this, Bank of America reduced my credit limit based on this unverified and fraudulent tradeline, negatively impacting my credit score and usage.

I contacted Bank of America via chat and specifically requested the mailing address or department to send a formal written dispute. Multiple representatives denied that such a department exists, which is false. Every major bank has a Credit Bureau Disputes department, and refusing to provide this information obstructs my right to dispute inaccurate information directly. 

I am requesting that Bank of America : 1. Restore my credit limit to its prior level, or at minimum document that the reduction was due to a disputed tradeline.

2. Provide the correct mailing address and procedures for submitting a written dispute, as required under the FCRA. 

I have screenshots of my conversations with Bank of America showing their refusal to provide this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
I am filing this complaint because TransUnion is still reporting inaccurate information on my credit file. 

Errors on my TransUnion report include : Old Address : XXXX XXXX XXXX, XXXX, NC this is not my current address and should be removed. 

Unauthorized Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX These are not tied to any open accounts and were not authorized by me. 

Collections that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}

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