vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a XXXX  loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account XXXX, and a collections account opened at XXXXXXXX XXXX XXXX XXXX XXXXn XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-01 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: PA

Complaint narrative:
I am reporting inter-agency fraud, I have called into all three agencies to have the multiple addressed removed from my account XXXX times. They say it has been done but when I follow up the correction has been changed to the wrong address again. Also my score keeps decreasing. Someone is coming in behind my request and changing the corrections that I have requested to be made. There are XXXX bankruptcy accounts on my credit report XXXX of them have XXXX balance and XXXX of them fed loan is no longer the account holder XXXX XXXX is and it has a XXXX balance. 
All of the student loans due dates & balances are inaccurate and I would like for them to be removed from my credit report.in accordance with the FRCA ( s ) 611, USC ( s ) 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with EXPERIAN XXXX  was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. EXPERIAN XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-01 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: OneMain Finance Corporation
State: CA

Complaint narrative:
This complaint reflects auto finance servicing issues previously identified by the CFPB in Supervisory Highlights : XXXX XXXX XXXX XXXX ( Issue XXXX, Fall XXXX ). The XXXX found repeated violations involving wrongful repossessions, inaccurate credit reporting, and insufficient notice and communication from lenders. My experience with OneMain Financial matches these patterns and warrants further investigation. 

Reference : CFPB Supervisory Highlights Issue XXXX I previously submitted CFPB complaints with XXXX XXXX and XXXX to dispute OneMain Financials handling of my account. Their response dated XX/XX/XXXX did not address core concerns or resolve inaccuracies. 

On XX/XX/XXXX OneMain mailed a notice of default and intent to repossess. The repossession occurred on XX/XX/XXXX, only XXXX XXXX later, which did not provide a reasonable cure window as required under California XXXX XXXX section XXXX and XXXX section XXXX. No documented outreach occurred prior to repossession, despite their claim of contact attempts. 

My vehicle was sold at auction for XXXX dollars. OneMain did not provide proof that this sale met commercial reasonableness standards under XXXX section XXXX. They then assessed a deficiency balance of XXXX dollars and XXXX cents which I dispute. 

Before the account was sold, I was actively communicating and even received a formal settlement offer. Despite this, OneMain reported a charge-off and eventually sold the debt to XXXX XXXX XXXX XXXX XX/XX/XXXX. Their investigation did not justify the credit reporting timeline or correct misleading tradelines. I also requested detailed documentation about the sale, credit reporting, hardship outreach, and deficiency notice, but they did not fully answer these requests. 

I am asking the CFPB to investigate the repossession process, credit reporting accuracy, and sale of collateral. I request correction or deletion of inaccurate tradelines and confirmation of legal compliance in all aspects of account handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
I am filing a formal complaint regarding multiple accounts serviced by XXXX XXXX Department of Education that are inaccurately reporting 90-day late payments on my credit file despite being in deferment status. 

The affected accounts are listed under : Dept of Ed / XXXX Account # XXXX Dept of Ed XXXX XXXX Account # XXXX Dept of Ed / XXXX Account # XXXX The accounts are showing 90-day late payments in XX/XX/XXXXXXXX  across TransUnion, Experian, and Equifax. However, these accounts are simultaneously reporting as Open Current Payment Deferred. Reporting a delinquency on a deferred loan is factually incorrect and in violation of FCRA 607 ( b ), which requires maximum possible accuracy.

Furthermore : These are federally backed student loans that were under CARES Act administrative forbearance protections, which extended through XXXX. No delinquencies should have been reported during this period. 

The accounts are not flagged as in dispute despite my prior disputes, violating FCRA 623 ( a ) ( 3 ).

There are discrepancies in how the accounts are being reported across different credit bureaus, which indicates incomplete verification procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 a formal complaint regarding multiple accounts serviced by XXXX XXXX Department of Education that are inaccurately reporting 90-day late payments on my credit file despite being in deferment status. 

The affected accounts are listed under : Dept of Ed / XXXX Account # XXXX Dept of Ed XXXX XXXX Account # XXXX Dept of Ed / XXXX Account # XXXX The accounts are showing 90-day late payments in XX/XX/XXXXXXXX  across TransUnion, Experian, and Equifax. However, these accounts are simultaneously reporting as Open Current Payment Deferred. Reporting a delinquency on a deferred loan is factually incorrect and in violation of FCRA 607 ( b ), which requires maximum possible accuracy.

Furthermore : These are federally backed student loans that were under CARES Act administrative forbearance protections, which extended through XXXX. No delinquencies should have been reported during this period. 

The accounts are not flagged as in dispute despite my prior disputes, violating FCRA 623 ( a ) ( 3 ).

There are discrepancies in how the accounts are being reported across different credit bureaus, which indicates incomplete verification procedures.

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 2025-08-01 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:
I have previously disputed XXXX, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
The policy this company is telling me will cause the death of me. I need this documented so my wife has a way to seek compensation. I inadvertently transferred my Social Security to my squareup account. I intended to send my Social Security to my XXXX XXXX account. The problem being that shortly after my Social Security ( my sole source of income ) XXXX closed my account. Fine, except I am a dialysis patient. In addition, my rent is due on the XXXX of this month. They placed my money on hold until XX/XX/year>. Here is the problem : I am XXXX XXXX XXXX and I am on dialysis. Without the funds from my social security, just sealed my death. I will be placed on XXXX XXXX because I can't pay my rent. Even worse than that, I can not go to my next dialysis. Without dialysis I WILL DIE. The agents can not help me and have signed my death warrant. I am including my wife 's information and you need to send her a copy of this. Maybe she can sue because of wrongful death. I will attempt to contact corporate offices, but it is the weekend. Meaning. I have to go without eating this weekend. I face death sooner than planned and will be homeless XXXX because there is no way for me to correct an error that includes my sole source of income.. 

The product XXXX Block , Inc XXXX XXXX, XXXX XXXX XXXX, CA XXXX { XXXX } XXXX ( XXXX } XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Several accounts on my credit report are inaccurately reported, outdated, or unverifiable, despite previous disputes and requests for validation. For example, a XXXX XXXX account last verified in XX/XX/year> still reflects a negative status even though the balance is reported as {$0.00}, which is misleading and unjustified. Multiple Affirm accounts are listed without any clear payment history or supporting documentation, raising concerns of duplication and unverifiability. A XXXX XXXX account has remained on file for months with no proper validation or original documentation provided. Other accountsincluding those from XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Freedom Mortgage, and XXXX XXXX serious discrepancies such as inconsistent balance reporting, lack of payment details, outdated status verifications, and continued derogatory classification despite the lack of accurate supporting records. Additionally, XXXX hard inquiries from XXXX on XX/XX/year>, were not authorized and are not associated with any known applications. Despite prior disputes and legal obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), these issues have not been resolved. I am now demanding that each of these items be fully validated with original documentation or removed entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Emails date back from XX/XX/year>, spamming me with the same message. The past XXXX months XXXX ive been emailing them questions and asking for proof but they only send me the debt with no proof or answers to my questions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I am filing this complaint because the national credit reporting agenciesExperian, Equifax, and TransUnion are reporting collection accounts on my consumer credit file that have not been properly validated by the data furnishers or verified by the bureaus themselves.

On [ insert date ( s ) ], I submitted formal written disputes to each of the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), specifically citing the need for verification of multiple collection accounts that appeared on my credit report. I also submitted documentation showing that I had previously sent a Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ) to the original collectors or furnishers, who failed to provide any supporting documentation as required under 15 U.S. Code 1692g. 

Despite this, the credit bureaus continued to report the disputed accounts without providing sufficient proof that the debts are accurate, verifiable, or legally owed. This failure to correct or delete unverifiable information is a clear violation of my rights under the FCRA ( 15 U.S. Code 1681i ), which mandates that disputed items must be verified or removed within 30 days.

Additionally, in at least one instance, the credit bureaus marked the item as " verified '' without disclosing what documentation was reviewed. This raises serious concerns about the accuracy and integrity of their reinvestigation process and the potential mishandling or rubber-stamping of disputed claims.

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 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine

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 2025-08-01 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has added a court record to my credit report that does not belong to me. It shows a warrant and inaccurate demographic info ( e.g., XXXX XXXX XXXX XXXX XXXX ). I have never been to the court listed, and this record is clearly a case of mistaken identity. I have also requested that dismissed or 7+ year old traffic tickets be removed. Experian has failed to correct this and is in 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 2025-08-01 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:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I checked my XXXX  credit app and noticed a new inquiry from Capital One. I then checked my email to see if a email saying a card was shipped. I never applied for such card the only credit card I currently have is through the company I bank with. The credit inquiry hit my account.

Company response to consumer: Closed with non-monetary relief