vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: WV

Complaint narrative:
XXXX XXXX is on my credit report with 3 missed payments and the amount is incorrect it says a different amount on all XXXX bureaus and i have a XXXX collection which is also incorrect i have tried to go through experian but i dont think that they investigate it properly.

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 2025-07-02 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with XXXX XXXX, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-07-02 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:
My vehicle was totaled in XX/XX/XXXX. My auto insurance company, XXXX, paid the majority of the balance directly to XXXX XXXX. After that payment, I never received any notice of a remaining balance being owed or any attempts to set up a new payment plan with me. 

Despite that, XXXX XXXX has been reporting ongoing missed payments for over four years- even though I no longer possess the vehicle, never agreed to repay the remaining balance, and was never provided with any written agreement or terms for continued repayment. This reporting is inaccurate and misleading. 

I mailed a formal dispute to XXXX  on XX/XX/XXXX, requesting that they validate this debt by providinXXXX XXXX XXXX Proof that XXXX paid the balance after the total loss, 2. Documentation showing I agreed to any remaining balance repayment terms, and 3. A full payment history and valid contract authorizing the continued reporting. 

XXXX was the XXXX credit bureau to respond by stating the account " Remains '' without providing a single document to support the accuracy of XXXX XXXXXXXX XXXX reporting. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires any disputed information to be verified with proper documentation. 

I am requesting removal of the account from my credit report due to XXXX XXXX 's failure to provide proper validation, the inaccurate reporting of missed payments, and continued damage to my credit for a vehicle I no longer possess and for which no formal repayment terms were ever established after the insurance settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
My vehicle was totaled in XX/XX/XXXX. My auto insurance company, XXXX, paid the majority of the balance directly to XXXX XXXX. After that payment, I never received any notice of a remaining balance being owed or any attempts to set up a new payment plan with me. 

Despite that, XXXX XXXX has been reporting ongoing missed payments for over four years- even though I no longer possess the vehicle, never agreed to repay the remaining balance, and was never provided with any written agreement or terms for continued repayment. This reporting is inaccurate and misleading. 

I mailed a formal dispute to Experian on XX/XX/XXXX, requesting that they validate this debt by providing : 1. Proof that XXXX paid the balance after the total loss, 2. Documentation showing I agreed to any remaining balance repayment terms, and 3. A full payment history and valid contract authorizing the continued reporting. 

Experian was the first credit bureau to respond by stating the account " Remains '' without providing a single document to support the accuracy of XXXX XXXX 's reporting. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires any disputed information to be verified with proper documentation. 

I am requesting removal of the account from my credit report due to XXXX XXXX 's failure to provide proper validation, the inaccurate reporting of missed payments, and continued damage to my credit for a vehicle I no longer possess and for which no formal repayment terms were ever established after the insurance settlement.

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 2025-07-02 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:
My vehicle was totaled in XX/XX/XXXX. My auto insurance company, XXXX, paid the majority of the balance directly to XXXX XXXX. After that payment, I never received any notice of a remaining balance being owed or any attempts to set up a new payment plan with me. 

Despite that, XXXX XXXX has been reporting ongoing missed payments for over four years- even though I no longer possess the vehicle, never agreed to repay the remaining balance, and was never provided with any written agreement or terms for continued repayment. This reporting is inaccurate and misleading. 

I mailed a formal dispute to XXXX on XX/XX/XXXX, requesting that they validate this debt by providing : 1. Proof that XXXX paid the balance after the total loss, 2. Documentation showing I agreed to any remaining balance repayment terms, and 3. A full payment history and valid contract authorizing the continued reporting. 

XXXX was the first credit bureau to respond by stating the account " Remains '' without providing a single document to support the accuracy of XXXX XXXX 's reporting. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires any disputed information to be verified with proper documentation. 

I am requesting removal of the account from my credit report due to XXXX XXXX 's failure to provide proper validation, the inaccurate reporting of missed payments, and continued damage to my credit for a vehicle I no longer possess and for which no formal repayment terms were ever established after the insurance settlement.

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 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Thanks for looking into OneMain loan offers. 
XX/XX/year>XXXX  Communication ID : XXXX Check Now Hi XXXX, We are responding to the loan request ( s ) you made recently, either directly with OneMain Financial or through an online loan site such as XXXX or XXXX XXXX XXXX. 

We know how important it can be to get money when you need it. Unfortunately, we are unable to provide you with any loan offers at this time. 
Important : Checking for loan offers did not affect your credit score. 
The following requests were denied for the reasons listed below : Application date : XX/XX/year>XXXX  Reference # : XXXX Reason ( s ) for denial : Recent inquiries Payment on accounts Number of inquiries Number of installment trades We obtained information from one or more credit reporting agencies as part of our consideration of your application. These agencies were not involved in our decision on your application, but you are entitled to know what information is included in your credit file with the agency or agencies. Under a law called the Fair Credit Reporting Act, you can obtain a free copy of your credit report from them if you request it within 60 days of receiving this notice. You can also dispute the accuracy or completeness of any information in your credit file directly with the agency or agencies. 

The agency or agencies are listed below. 
XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Remember that your financial picture can change over time. Visit XXXX for free resources to help you brush up on topics like budgeting, building credit and saving money. 

Well be happy to take a fresh look if you apply for a OneMain loan offer in the future. When youre ready, come back to XXXX to check for offers. 

Sincerely, OneMain NOTICE : The Federal Equal Credit Opportunity Act prohibits creditors from discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Washington , DC XXXX. 
ABOUT THIS MESSAGE Please do not reply to this unmonitored mailbox. 

This email was sent by : OneMain Financial, XXXX XXXX XXXX XXXX, XXXX, IN XXXX. 

You may consider contacting a credit counseling service, such as the XXXX XXXX for XXXX XXXX. Call XXXX for a list of their offices, or visit their website at www.nfcc.org. 

OneMain Financial| Legal & Privacy | Disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-07-02 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:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit Health

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-02 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:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report. I am not sure if you have conducted a thorough investigation for the following item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/year> Balance {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NY

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 ), XXXX XXXX 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 explanation
Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
XXXX XXXX XXXX has removed their collection account on my credit report between XX/XX/XXXX to XX/XX/XXXX. Currently this information is updated on my XXXX credit report but not my TransUnion report. Please remove/delete due to XXXX removing the derogatory mark on all three credit bureaus. Thank you.

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 2025-07-02 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion

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 2025-07-02 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX  I was a victim of fraud through my Cash App account. I was approached by a person that offered me discounts for products from the XXXX XXXX XXXX and he also offered me a gift card, and asked to use my phone to register the gift card and in less than 1 minute of doing that he entered my Cash App account and removed all the funds also deleted the account from my phone. I discovered this after going through my phone to search for the Cash App account and realized that it was no longer available on my phone. I contacted Cash App Support and made a fraud claim with police report and was denied the return of my funds in the amount of {$1600.00} .My question to Cash App was how did the person bypass my pinn number to get the funds from my account, I never got a legitimate answer from Cash App support

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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