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

Complaint narrative:
I looked at my Experian report on XX/XX/year>, credit report and noticed that there were inaccuracies on many of the accounts. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-08-08 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: NC

Complaint narrative:
I requested 1099 c on or about XXXX XXXX XXXX XXXX XXXX. By law the debt was repossessed, charged off & sold to plaza services but I have yet to receive a 1099c from anyone. Plus I'm am being penalized from plaza services, XXXX XXXX XXXX XXXXXXXX XXXX for this one loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent the company an AFFIDAVIT OF FACTUAL INACCURACY AND DEMAND FOR PERMANENT DELETION ON XX/XX/year>2025 and received by them on XX/XX/XXXX. Instead of a response they had a repo company by the name of XXXX XXXX XXXX to contact me about the vehicle in question. This is my most recent attempt to stop them from financial harming me. This account has been on my credit for almost 3 years. 

These car has been on my credit for years now and i have explained to them i was a victim of identity theft to include FTC reports and police reports. I even sent in proof of XXXX XXXX  to the credit bureaus and they did not help. Furthermore, the credit reporting was reporting as charge off. I have requested a 1099c and i was denied a copy. Not sure how, if my rights to cease and desist along with rights to stop reporting and freeze the data upon investigations along with the updates just refreshing the delinquency date is allowed by law. As a consumer I have done all I could and am requesting the CFPB to assist me. The credit bureaus are no help, the same has been sent to them with no resolve from XXXX  and Experian. I can not get any new credit, buy a home, or even be considered for business loans because they see this negative account on my credit. Please help. I know by now if they filed a 1099c that it should be considered charged off and taken off my credit and not attempting to collect since they don't believe. I want my copy and it removed.

Below attachments are what i could gather. Inconsistent reporting and charged off for 3 years still with no 1099c, but allowed to report and collect. all illegal

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 2025-08-08 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: GA

Complaint narrative:
I sent the company an AFFIDAVIT OF FACTUAL INACCURACY AND DEMAND FOR PERMANENT DELETION ON XX/XX/year>2025 and received by them on XX/XX/XXXX. Instead of a response they had a repo company by the name of XXXX XXXX XXXX to contact me about the vehicle in question. This is my most recent attempt to stop them from financial harming me. This account has been on my credit for almost 3 years. 

These car has been on my credit for years now and i have explained to them i was a victim of identity theft to include FTC reports and police reports. I even sent in proof of XXXX XXXX to the credit bureaus and they did not help. Furthermore, the credit reporting was reporting as charge off. I have requested a 1099c and i was denied a copy. Not sure how, if my rights to cease and desist along with rights to stop reporting and freeze the data upon investigations along with the updates just refreshing the delinquency date is allowed by law. As a consumer I have done all I could and am requesting the CFPB to assist me. The credit bureaus are no help, the same has been sent to them with no resolve from Equifax and XXXX. I can not get any new credit, buy a home, or even be considered for business loans because they see this negative account on my credit. Please help. I know by now if they filed a 1099c that it should be considered charged off and taken off my credit and not attempting to collect since they don't believe. I want my copy and it removed. 

Below attachments are what i could gather. Inconsistent reporting and charged off for 3 years still with no 1099c, but allowed to report and collect. all illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
I have previously disputed Experian and Equifax 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 2025-08-08 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: MA

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  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6800.00} 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 XXXX 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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I called in on XX/XX/year>2025, to request my account be rightfully applied the 12 month 0 % XXXX and XXXXXXXX XXXX  off promotion I applied for XXXX XXXX XXXX On XX/XX/XXXX, XXXX, I spoke with XXXX, a supervisor, who informed me the promotion has been approved to be applied to my account. I have the call recorded. 

I proceeded to make a relatively large purchase for me the same day. The transaction was blocked at 1st, and I thought ok, no worries. 

On XX/XX/XXXX my account was closed for attempting to make a large purchase. The merchant kept trying and they apparently approved the transaction after my account got a closed for a non refundable purchase.

After 6 weeks of going back and forth and waiting for an update on applying the promotion. They said they can't apply the promotion now because the account is closed. 

This is the worst credit card company I've ever done business with. Stay away from Elan XXXX XXXX and Fidelity XXXX XXXX. I don't know why Fidelity would partner with this bargan bin issuer

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 2025-08-08 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 challenged several inaccurate and unverified items appearing on my credit reports with TransUnion, XXXX, and XXXX. These included a {$400.00} XXXX XXXX XXXX collection reported by XXXX XXXX XXXX, multiple late-payment notations on accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX, as well as duplicate or merged account records that inflated my derogatory history. Despite my prior disputes, the credit bureaus re-reported these items without providing any documented verification such as original signed contracts, payment ledgers, chain-of-title documents, or proof of accurate Dates of First Delinquency. Several of the accounts show inconsistent reporting across bureaus, evidence of re-aging, or unexplained coded statuses. I also identified numerous hard inquiries between XX/XX/XXXX and XX/XX/XXXX by banks, credit unions, and auto dealers that I did not authorize. I requested that the bureaus obtain signed applications or business records from each inquirer to prove permissible purpose under the FCRA, but no such proof has been provided. The continued reporting of these unverifiable accounts and inquiries, after repeated disputes, demonstrates the companies failure to conduct reasonable reinvestigations and maintain maximum possible accuracy as required by federal law.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LPI, INC.
State: TN

Complaint narrative:
LP Financial INC XXXX XXXX XXXX XXXX Issue : False credit reporting of non-existent secured loan ; threats and refusal to resolve product dispute. Summary : In XX/XX/XXXX, I purchased a hot tub from XXXX XXXX XXXX XXXX and paid in full with a credit card. The product was delivered damaged, which was documented at delivery and reported to the company. After repeated failed attempts to resolve the issue, I filed a dispute with XXXX XXXX, which ruled in my favor and issued a full chargeback in XX/XX/XXXX. In XX/XX/XXXX, LP Finance, also known as XXXX XXXX XXXX, contacted me demanding repayment or product recovery. I agreed to return the unit but requested a release of liability, which they refused. Since then, I have been subjected to aggressive and repeated threats, including calls stating that LP Finance would pursue legal action. No legal action was taken only continued harassment. More concerning, LP Finance reported a false tradeline to XXXX, describing the transaction as a 66-month secured loan, despite the fact that this was a credit card transaction with no financing agreement. After I disputed the entry with XXXX, LP Finance verified the false information. Their actions constitute willful false credit reporting. Pattern of Misconduct : LP FinanceXXXX XXXX XXXX has a documented history of misconduct. They have : Over XXXX XXXX  complaints in the past three years, Been placed on a consumer protection watch list by the Arizona Attorney General following complaints of misrepresentation, Previously entered into a settlement agreement with the XXXX  XXXX XXXX over regulatory issues. This is not an isolated incident. Their actions are part of a systemic pattern of abusive consumer practices, and their refusal to correct a clearly false credit report entry demonstrates intentional harm. Requested Resolution : Immediate removal of the false tradeline from all credit bureaus. Written confirmation that the matter is resolved in full. Cease all further collection attempts and harassment. I have included the demand letter I sent certified to XXXX XXXX XXXX XXXX Within the demand letter each exhibit shows Exhibit A - This was not a secured loan, rather a retail transaction paid in full by credit card. Exhibit B - Delivery document ( XXXX ) showing damage to the product upon arrival. Exhibit C - Falsified XXXX trade account showing a secured loan with a term of 66 months. Exhibit D - XXXX XXXX dispute resolution in our favor. Exhibit E - Written communication from XXXX, XXXX to receive product even if damaged. Exhibit F - Original XXXX XXXX XXXX showing proof of purchase. ( Retail transaction )

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

Complaint narrative:
I sent the company an AFFIDAVIT OF FACTUAL INACCURACY AND DEMAND FOR PERMANENT DELETION ON XXXX XXXX, 2025 and received by them on XXXX .This is my most recent attempt to stop them from financial harming me. This account has been on my credit for over 3 years. 

These account has been on my credit for years now and i have explained to them i was a victim of identity theft to include FTC reports and police reports. I even sent in proof of XXXX XXXX to the credit bureaus and they did not help. Furthermore, the credit reporting was reporting as charge off. I have requested a 1099c and i was denied a copy. Not sure how, if my rights to cease and desist along with rights to stop reporting and freeze the data upon investigations along with the updates just refreshing the delinquency date is allowed by law. As a consumer I have done all I could and am requesting the CFPB to assist me. The credit bureaus are no help, the same has been sent to them with no resolve from XXXX  and XXXX. I can not get any new credit, buy a home, or even be considered for business loans because they see this negative account on my credit. Please help. I know by now if they filed a 1099c that it should be considered charged off and taken off my credit and not attempting to collect since they don't believe. I want my copy and it removed.

Below attachments are what i could gather. Inconsistent reporting and charged off for 3 years still with no 1099c, but allowed to report and collect. all illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
To Whom It May Concern, FNB Omaha has been fully advised that the disputed charges in question were not made by me. I have provided documented proof that our communitys mail was stolen on the same day my FNB Omaha credit card arrived, along with my XXXX credit card. 

I have also submitted a certified statement from XXXX XXXX Department confirming that unauthorized attempts were made to use my XXXX card during that same period. This clearly establishes that my FNB Omaha card was compromised in the same incident. 

Despite this evidence, FNB Omaha continues to hold me responsible for the fraudulent transactions. I dispute this determination in the strongest terms and request an immediate reversal of these charges, as I am the victim of a documented crime and have taken all appropriate steps to report and substantiate it. 

Sincerely, XXXX XXXX XXXX # XXXX

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