vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Called XXXX, who we already had a vehicle loan with, about questions we had regarding purchasing another vehicle using another loan from them. I was very specific with the person on the phone, that I did not want to start an application and was just asking questions. We did not call an application phone number, just the general information phone number for the company. A few days after the phone call, I received an email stating that my application was denied, but I did not consent to an application, and as I said, was specific that I did not want to make an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Debt Buyer Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Credit card Responsibility Individual Date openedXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Card Date opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Credit Card Date opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Debt Buyer Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Credit card Responsibility Individual Date openedXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Card Date opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Credit Card Date opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: STATE BANKSHARES, INC.
State: KS

Complaint narrative:
The complain I have submitted before I got response from cfpb. The response that I got same it was same thing they send me before I called the bank I emailed the bank but they are passing me as a ball from one person to another. No noe have answered This bankers are stealing my money someone need to stop them and help me to get out of this. 
I thought cfpb will help me but this is not the help need to get resolved.

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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the marketing practices of Citibank related to their Citi / AAdvantage Platinum Select Airline Mastercard. 

Summary of the Issue : In XX/XX/year>, I applied for and was approved for a Citi / AAdvantage Platinum Select Airline Mastercard ( card ending in XXXX ) after seeing an advertised sign-up offer of XXXX XXXX XXXX XXXX bonus miles for spending {$2500.00} in purchases within the first 3 months of account opening.

The offer was a significant factor in my decision to apply for this credit card. On XX/XX/year>, at approximately XXXXXXXX XXXX XXXX, I called Citibank to check in on the status of the offer redemption since I had not yet received the bonus. I spoke with a Citibank representative named XXXX ( ID # XXXX ) who said that I was not eligible for the bonus offer because I had previously received a similar offer a few years ago. She reiterated that the terms and conditions excluded previous cardholders from receiving the sign-up bonus. This restriction was not made clear or prominently disclosed during the online application process. 

My Concerns : - The eligibility restriction was not clearly or conspicuously disclosed during the sign-up flow on Citibanks website.

- The omission of this material information led me to apply for a product under false pretenses, resulting in wasted time, a hard inquiry on my credit report, and the loss of the expected sign-up bonus.

- I believe this practice is deceptive and does not align with fair advertising standards or consumer protection regulations.

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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
I contacted Jefferson Capital Systems to request validation of this debt, including a copy of the original agreement, a complete payment history, and proof of ownership of the account. As of this date XXXX. I have not received sufficient documentation that proves the debt is valid, that it is mine, or that they have the legal right to collect on it. Additionally, the amount of XXXX reported does not match any debt I recognize and may include inaccurate fees or interest.

I am requesting that Jefferson Capital Systems immediately delete this account from all credit reports. Reporting unverifiable or inaccurate information violates the FCRA and could be grounds for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: LEXISNEXIS
State: GA

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
I do not have a contract nor did I authorize the company to obtain my information, my rights to privacy were violated under the FDCPA & 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 explanation
Consumer complaint received 2025-06-15 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} INQUIRIES : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/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 2025-06-14 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:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-14 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: OH

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$450.00} 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 non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
XXXX XXXX repossessed the car and closed the account in XXXX. I submitted a dispute on XXXX XXXX on XX/XX/XXXX stating the dates and balance was incorrect. XXXX denied the dispute with no explanation. After denying the dispute XXXX then reports on my credit derogatory marks for each month from XXXX ( after account closure ) to XXXX XXXX submit another dispute on XX/XX/XXXX for inaccurate payment history. XXXX XXXX stated the result was unknown. After this dispute was deemed " resolved '' by XXXX XXXX, XXXX then re-opens the closed account with all of the derogatory marks that they just added from the last 5 and a half years, which caused my credit score to drop over 80 points. XXXX never notified me that they were reopening the account and it is very unfair that after the car was repossessed and the account was closed, 5 years later they are reporting on my credit as if this is a current or active debt which is extremely misleading as I am also trying to buy a house in the next 3 months and now I have all of this negative reporting on my credit.

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 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
Was approved for a loan and was told that yo finalize my request I had to give my bank user and password so they could fund me the protection plan. They funded me with fraudulent money and checks and took over XXXX  from my account leaving me at a negative and bank shutting me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Told them they had the wrong person on many occasions online written and voice verifying

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
LEXISNEXIS : I AM FILING THIS COMPLAINT DUE TO MULTIPLE IDENTITY THEFT OF MY PERSONAL AND PROFESSIONAL LICENSURE INFORMATION. I HAVE NEVER GRANTED LEXISNEXIS ANY PERMISSION TO ACCESS MY PROFESSIONAL LICENSURE NO PERSONAL DATA. YET, THIS CREDIT REPORTING AGENCY HAS A THROVE OF INACCURATE INFORMATION FROM FRAUDULENT, OUTDATED AND WRONG ADDRESSES, TO MULTIPLE WRONG, OUTDATED ON PHONE NUMBERS THAT IS NOT MINE. MULTIPLE NAME VARIATIONS, INCLUDING FRAUDULENT NAMES. I AM DEMANDING THAT LEXISNEXIS DELETE ALL MY PROFESSIONAL LICENSURE DATA, DRIVING LICENSE DATA, AND CAR INSURANCE DATA. I WILL LOOK IN TO PERMANENTLY PREVENTING LEXISNEXIS FROM DISPLAYING ANY OF MY DATA. 
EVEN THOUGH A FREEZE WERE PLACED ON MY LEXISNEXIS REPORT IN XX/XX/year>, MULTIPLE CREDITORS WAS STILL GIVEN UNAUTHORIZED ACCESS TO MY CREDIT REPORT, THEREBY PLACING UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I am filing this complaint to report a false and legally unsupported 30-day late payment reported on my credit file by XXXX, currently appearing in Experian and Equifax, while XXXX  reports no delinquencies for the same account. XXXX Account ending in XXXX. 

This inconsistency shows that the derogatory data is unreliable, unverified, and materially misleading. 

I have never received : A billing statement showing due date or payment amount ; Any written notice of delinquency or late fee ; Any documentation verifying the legitimacy of the late payment during previous disputes.

Furthermore, under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and TILA Regulation Z, creditors must send billing statements at least 21 days before the due date. Failure to do so invalidates any claim of delinquency.

Under the Fair Credit Reporting Act ( FCRA ) : CRAs must maintain maximum accuracy ( 15 U.S.C. 1681e ( b ) ) ; Unverified information must be removed ( 15 U.S.C. 1681i ) ; Furnishers must conduct a reasonable investigation with documentation ( 15 U.S.C. 1681s-2 ( b ) ).

Both the CRA and the furnisher have failed to provide legally required documentation or respond adequately to my prior disputes.

I reference the following legal precedents : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : Bureaus must perform independent investigations, not rely solely on furnishers.

CFPB v. Experian Info. Solutions, Inc., No. 8:25-cv-00024 ( C.D. Cal., Jan. 2025 ) : Experian was penalized for using e-OSCAR responses without verifying documentation in consumer disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I am asking for your assistance in reviewing accounts from companies that are wrongly reporting late payments. After going over my credit report, I noticed incorrect late payment entries on some accounts. These remarks are inaccurate and should not be there. Kindly remove them and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
Disputing Account Information : TransUnion I am writing to dispute the following information in my credit report as provided by your bureau. This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which grants me the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. 

The following accounts are being disputed : XXXX XXXX / Account Number : 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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
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 XXXXXX/XX/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