vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: TN

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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the 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 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
XX/XX/XXXX, my doctor submitted XXXX paperwork to OneMain Financial providing a XXXX date of XX/XX/XXXX. The XXXX covered the month of XXXX and {$140.00} for the month of XXXX. My payment due date is the XXXX of each month. Starting on XX/XX/XXXX at XXXX, I began receiving calls about a past due balance. I explained to the caller that the original form stated the XXXX so the balance should have been paid. I also told them the my new XXXX date was XX/XX/XXXX due to complications from a XXXX. The individual did not explain to me why my account was past due and insisted that I needed to make a payment and sent me the form to have my doctor update the XXXX. My doctor sent confirmation on XX/XX/XXXX that the paperwork was emailed and faxed. On XX/XX/XXXX, I received a call stating that my account was past due and the individual insisting that I make a payment or have my vehicle taken. Then she informed me that even though I purchased the XXXX packaged that they didn't have to cover me and that I should make a payment now and read the terms of the XXXX agreement. But in previous conversations I was reassured that the XXXX coverage would cover all payments ( not partial ) until I return to work. On another occasion, I have asked how to get released and about trading the vehicle in and they have told me that I can not trade the vehicle because they have a lien on the car. I have also questioned about how my payments have been applied because I carried the same balance for over a year and was informed that my balance hasn't changed because I do not have autopay turned on my account. Every time I question the validity of their claims or request proof they make the excuse that their office is busy and they will call back and never do. If I ask for the XXXX they will say they are very busy and will call back. Today was very overwhelming with the threat of having my vehicle repossessed and facing the demands of making a payment. I have again had my doctor submit the XXXX form at XXXX on XX/XX/XXXX only receive another collection call to either make a payment or risk losing my car. This situation is very distressing mentally and emotionally. Their collection practices are harrassing to say the least. They begin calling at XXXX times a day within XXXX hours of your payment being late and then they will offer you the opportunity to refinance the loan for a lower payment in which I did XXXX years ago and went from XXXX to XXXX. They dug a whole that they are making it literally impossible to get out of. There is no reason that after paying {$600.00} for XXXX years that my balance hasn't budged. And now I'm facing a repossession because they sold a fake package and only covered XXXX month and XXXX of the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
Im been a victim of identity theft, Ive never done business with the following companies or entered into a written contract or agreement. 

XXXX. XXXX XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$250.00} XXXX. XXXX XXXX XXXX See Attached FTC Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed multiple disputes in XX/XX/year> with XXXX XXXX XXXX XXXX  regarding the Pentagon Federal Credit Union account appearing on my credit report.

This account was settled through a debt settlement company, and the collection agency that purchased the debtFull XXXX XXXX XXXX, XXXX ( also known as XXXX XXXX XXXX XXXX XXXX ) confirmed that the debt was settled on XX/XX/year>. I also received a letter from them verifying the settlement. 

I attached this settlement letter to each of my disputes. However, Pentagon Federal Credit Union has not updated the account status or remarks to reflect the settlement. For reference, I am attaching the settlement letter again with this complaint.

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 2025-08-25 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:
In accordance with the fair credit reporting act the list of accounts below as violated by federal protection, consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX Has XXXX my rights I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and accordance to their fair credit reporting act whenever consumer reporting agency prepares a consumer report shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 16 81 ( e ) ( b ) And according to 15 USC 1681 I5. They are supposed to do this five treatment treatments of inaccurate or unverifiable information.

Hey, in general after any re-investigation on the paragraph one for any information disputed by a consumer and any item of the information is found to be inaccurate or incomplete what can not be verified the consumer reporting HC shall I properly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the re-investigation and I promptly notify the furnish of that information of the information has been modified or deleted from the file of the consumer And according to 15 USC 1681S two they are supposed to not furnish any information or relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
XX/XX/XXXX {$3400.00} was taken from my account. I got with XXXX and hey provided me the info my phone was hacked and people were using my cards! XXXX gave me a refund but chime is dragging there feet? I have bills to pay and XXXX to feed they act as Ifcthet dont care? 

Chime is a horrible place especially when someone hacks your account for {$3400.00} XXXX did a great job. No complaints with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: AZ

Complaint narrative:
I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I sent your company a dispute letter and it is attached, dated and time stamped. My FTC Report Number is XXXX. I will once again list the inquiries in need of investigation : 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NJ

Complaint narrative:
These accounts are being falsely reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts, and their presence on my credit file is entirely unacceptable. This reporting is inaccurate, misleading, and damaging to my financial reputation.

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 2025-08-25 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: MA

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
15 USC 1681c-2 Remove XXXX XXXX 30 Day Late Account Number : XXXX immediately! I was never late nor did I give benefit. Remove anything on PDF and FTC Delete 30 day Late Payment on XX/XX/year> within 3 days! Under 15 U.S Code 1681a ( 2 ) ( xi ) ( CARES Act ), accounts in accommodation and paid as agreed should not be reported as late. Update late mark in 3 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: MI

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 XXXX business days of you receiving this complaint. 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! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I discovered a collection account from National Credit Systems ( NCS ) on my credit report related to a rental debt I was never notified about. On XX/XX/year>, I sent a certified debt validation request under the FDCPA, asking for proof of the debt, including a signed lease, breakdown of charges, final account statement, and evidence NCS was authorized to collect. USPS confirmed delivery on XX/XX/XXXX, but NCS never responded. Over 30 days have passed with no validation provided. This debt was reported to credit bureaus without any prior contact or notice from the property or NCS. I dispute the validity of the debt and request its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Prosper Marketplace Inc. for ongoing violations of the Fair Credit Reporting Act ( FCRA ) due to the continued and inaccurate reporting of a charged-off debt that has been sold to a third party. Despite this, Prosper continues to report an outstanding balance of {$3800.00} and updates the tradeline monthly, which misrepresents the true status of the account and negatively impacts my creditworthiness. 

Nature of the Dispute : The account in question was opened on XX/XX/XXXX and was charged off for {$4600.00}. Prosper continues to update the account as past due with a current balance, most recently on XX/XX/XXXX. According to representatives at Prosper Marketplace, the debt has been charged off and sold to a third-party collection agency. I was informed directly

that Prosper is no longer the owner of the debt and is not actively collecting on it. Violations of the FCRA : - Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know to be inaccurate. If the account was sold, Prosper is misrepresenting the tradeline by reporting a current balance and continued delinquencies. - Under FCRA 623 ( a ) ( 2 ), furnishers are required to promptly update or correct information they find to be inaccurate or incomplete. - Prospers continued reporting of this sold account as past due with an active balance constitutes re-aging the debt and is in violation of credit reporting guidance and consumer protection standards.

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 2025-08-25 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate charge-off that appears on my credit report. The account referenced above has been reported as a charge-off, but this information is inaccurate and misleading.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request that you investigate this matter and provide written verification of the alleged debt, including documentation from the original creditor. If you can not provide sufficient evidence that this account was reported accurately, you are required by law to remove it from my credit file.

Specifically, I request the following : 1.Documentation showing that the account was correctly reported as a charge-off.

2.An itemized accounting of the balance claimed.

3.Proof that I am legally responsible for this account.

Until you can verify the accuracy of this account, it must be removed from my credit report in compliance with the FCRA. Please provide me with the results of your investigation within the 30 days allowed under federal law.

Be advised that I am keeping detailed records of all correspondence. If this inaccurate information is not corrected, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General.

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation