vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-09-10 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: CO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C.
1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued
functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX in XXXXXX/XX/XXXX - a company currently under a class action lawsuit for improper move out charges to tenants opened a collections account under my name in XXXX. The debt was settled and the account was closed in XXXX of XXXX. 

In XX/XX/XXXX, XXXXXX/XX/XXXX sent a new debt collection of this account to a third party law firm for collections. Placing the same previously closed and settled account back into collections which was placed on my credit report in XX/XX/XXXX. 

I have had no additional dealings with XXXX or XXXXXX/XX/XXXX in this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information currently being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts contain discrepancies that must be corrected immediately : Account name : XXXX XXXX XXXXXXXX Account number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The balance and payment status being reported are inconsistent with my actual payment records. Additionally, this account is reported differently across credit bureaus, creating a misleading representation of my payment history. My records confirm that the account is not XXXX  days late as reported. 
Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$450.00} Issue : While the account shows as current, there are still inaccurate notations of late payments in the historical reporting. Furthermore, this account was previously marked as being in dispute, and Experian now reports it as resolved by the subscriber. However, the payment history remains misreported and must be corrected to reflect accurate status.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts that have been wrongfully reported on my credit report. These accounts were never created or authorized by me, and their reporting represents false, harmful, and misleading information. This breach of accuracy has already caused measurable harm to my creditworthiness. The inclusion of these fraudulent accounts undermines the integrity of my file, unfairly damages my standing, and creates obligations that are not mine. This situation can not remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX XXXX. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation

Complaint narrative:
On XXXX XX/XX/year> the regular payment processor for my car ( CARVANA ) blocked my account entirely and stopped me from being able to access my account. Tried calling the Lienholder directly ( Bridgecrest ) but the only number they provide is a customer service number that is disconnected. Their main payment app ( Bridgcrest ) does not allow payments made online through the app or website and they redirect you to the same customer service number that is disconnected. 
I emailed them twice from XXXX - XXXX XX/XX/XXXX expressing concern of my account becoming delinquent and having no way to make a payment. They responded days later with a generic email redirecting me to the customer service number that is disconnected. 
I went to XXXX XXXX on XXXX XX/XX/XXXX and a XXXX Representative reached out to them via email to find a solution with still no response given by the company and my account is now 34 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
I am writing to dispute inaccurate and misleading information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I identified the following accounts that contain discrepancies and must be investigated and corrected immediately : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2000.00} Issue : This account is inaccurately reported. The balance and payment status are inconsistent across bureaus. XXXX XXXX XXXX  reflect different balances and late statuses, and my TransUnion file does not accurately reflect my payment history. 
Additionally, my payment history is misrepresented, as payments have been made and verified. 
Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$450.00} Issue : This account was previously disputed, and records indicate dispute resolved; reported by grantor. However, TransUnion still reflects a history of late payments that is inconsistent with verified records and contradicts XXXX reporting. This creates an inaccurate negative impact on my creditworthiness.

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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Funds were stolen via wire transfer through Wells fargo on XX/XX/year>, and the amount of {$22000.00} on the same day online banking fraud in the amount of XXXX on XX/XX/XXXX, a XXXX XXXX of {$2900.00} on the same weekend XX/XX/XXXX through XX/XX/XXXX money from my Truist account and XXXX account and citizens Bank. Were all hit by the same person or people Wells fargo although they have the information of the persons name and the wire transfer information has refused to return any of my funds. I am over XXXX and need my funds back.Help

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 monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I used my XXXX American Express card at an XXXX gas station in XXXX, XXXX ( XXXX XXXX XXXX ). The station uses a pre-authorization system. 
- XXXX, a XXXX pre-authorization failed. 
- On the second attempt, I successfully fueled once for XXXX ( {$40.00} ). I have a pump photo showing XXXX liters dispensed. 
- However, an additional XXXX ( {$59.00} ) pre-authorization was incorrectly captured as a final charge, even though no fuel was dispensed for this transaction. The system does not issue receipts for failed/unused pre-authorizations, so no receipt exists for the XXXX error. 
- My rental car ( license plate XXXX ) was returned immediately after fueling, confirming I only needed to refuel once. 

I submitted this evidence to American Express multiple times ( pump photo, transaction comparison, written explanation, rental car number, card statement ). Despite this, American Express rebilled me for both charges and told me to contact the merchant myself. 

This is not a merchant dispute it is a billing error under the XXXX Credit Billing Act and Regulation Z. My agreement is with American Express, and they are required to investigate and resolve billing errors on my behalf. 

I accept the XXXX charge as valid. I am disputing only the XXXX duplicate charge, which remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any discrepancies in this reporting are both unfair 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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX I applied for a job on my schools website XXXX XXXX XXXX. I was told had to send money for my computer and all the items needed to work from home. I sent the money requested XXXX roughly and later found out after the fact that someone hacked into my schools system and it was a scam. I explained to my bank chase at the time what happened they refused to refund my money, I also called police and filed a police report. Police said the bank was supposed to refund me but that didnt happen caused a financial strain on me as I was to get a job to help my mom with bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I found inquiries on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: SC

Complaint narrative:
I am submitting this complaint against OneMain Financial for continued inaccurate, misleading, and incomplete credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite multiple disputes filed with the credit bureaus and OneMain directly, the account above continues to be reported as a XXXX XXXX derogatory account with a {$0.00} balance. This is materially misleading and does not meet the requirement for maximum accuracy under FCRA 623 ( a ) ( 1 ). 

OneMains own response ( dated XX/XX/XXXX ) admits that the account was charged off in XX/XX/XXXX and later updated to a {$0.00} balance after OneMain ceased collection on XX/XX/XXXX. 

OneMain further states they submitted a special comment : Settled or less than full balance to the bureaus. However, the account still reports as a charge-off, which misrepresents the true status and continues to harm my creditworthiness. 

Reporting an account as both {$0.00} balance and charged off is contradictory and misleading, because no debt remains yet the account is left in permanent derogatory status without legal justification. 

Failure of Reasonable Investigation : I have disputed this account at least XXXX times through the credit bureaus, yet OneMain only responded through e-OSCAR automated responses. This is not a reasonable investigation as required under FCRA 623 ( a ) ( 8 ). 

I submitted an FTC Identity Theft Report ( # XXXX ) and affidavit disputing this account. OneMain simply determined it was not fraudulent without providing any documentary evidence ( such as signed contracts, account applications, or payment records ) directly to me, as required. 

Violations : FCRA 623 ( a ) ( 1 ) : Furnishing information known to be inaccurate or misleading.

FCRA 623 ( a ) ( 8 ) : Failure to conduct a reasonable investigation of disputed information.

FCRA 611 ( a ) : Failing to provide me with the method of verification or copies of documents relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding fraudulent accounts currently listed on my credit report. I have never authorized these accounts, nor do I have any connection to them. Their reporting is false, misleading, and damaging to my financial reputation. Allowing such inaccurate accounts to remain on my credit file undermines the accuracy and fairness of the reporting process. These entries falsely portray my financial history and subject me to harm that is entirely unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
I initially borrowed a title loan for {$5000.00} from Regional Finance, the interest rate is 32.42 % but upon looking on my credit report they are charging me double to pay it back throughout the term of 48 months. I have paid XXXX or more for 12 months. Totaling over {$2400.00} and my principal balance is {$4800.00} right now meaning they only took {$200.00} off my principal balance. They also have listed me owing {$9700.00}. This is double what I borrowed. The interest rate is 32.42 % the numbers dont match that rate. This is predatory lending.

Company response to consumer: Closed with explanation