vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Back in XX/XX/year> I filed a complaint with the CFPB that despite logging in, and then entering a code sen by Chase, I could not access my account, and had to call customer service. Chase responded in XX/XX/year> that a third verification is not standard, thus it was MY browser 's fault. I followed Chase 's advice to clear my browser of saved data re Chase, or, to use a different browser. I cleared the saved data, and used XXXX different browsers, XXXX, XXXX XXXX  and XXXX XXXX every month since then - a total of 7 months - yet I still had to call customer service, as Chase would not give me access despite XXXX verifications each time. Obviously, there is BUG in my online account, but the Chase employees, including XXXX XXXX XXXX, have XXXX XXXX XXXX XXXXXXXX, and can not, or will not, resolve the problem. This is the last time I am wasting my time and efforts. If Chase does not resolve the problem with its software/data, I will never use this credit card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Charged-Off Account Account Closed Account Number : XXXX Amount : {$2700.00} To Whom It May Concern, I am writing to formally dispute the accuracy of the Ally Financial account listed on my credit report in the amount of {$2700.00}, which is reported as charged off and closed. 

After reviewing my credit file, I have reason to believe this account is being reported inaccurately and/or incompletely. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you conduct a full investigation into this matter and provide proper verification of the account.

Specifically, I am requesting : 1. Verification that this debt belongs to me 2. The complete payment history 3. The original contract or agreement bearing my signature 4. The date of first delinquency 5. Proof that Ally Financial has the legal right to report this account If you are unable to provide accurate verification, I am requesting that this account be removed from my credit report. 

Please provide your response in writing. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
Trans union placed a collection account on my credit report and one I never received a demand letter from the creditors the debt was never validated and it was still placed on my report and thats illegal and the debt must be validated before being placed on my credit so it must be removed by law. Immediately!!! I will send photo copy of the exact debt trans union places on my credit. This occurred XX/XX/year> when I got the alert and my credit score dropped due to the illegal activity. I have no knowledge of this account at all and have had a fraud alert on my credit reports for the last 6 years

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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: WI

Complaint narrative:
XX/XX/2025 I seen a loan charge from XXXX XXXX XXXXXXXX XXXX XXXX for the amount of {$4800.00} that does not belong to me and that I never took out. On XX/XX/2025 I sent certified letters to XXXX and the loan originator, both were delivered. I have heard nothing from the loan originator and received a letter from XXXX on XX/XX/2025 stating the loan did belong to me after investigation. I feel they did not do any investigation into this loan situation because this isn't actually my loan. After my own investigation, I have become aware that this financial institution named XXXX XXXX XXXX XXXX XXXX has been under fire for multiple fraudulent or less than transparent business practices. They have failed to reply in the legal and appropriate time allotted. Leaving me to do more footwork to get this fraud off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting, improper servicing, and an unauthorized loan modification designation on the alleged account with OneMain Financial Group, LLC. 

In XX/XX/year>, my XXXX credit report reflected this account as current through XXXX with a payment posted. In XX/XX/year>, OneMain reported new XXXX and XXXX day delinquencies and an increased balance without a clear or adequate explanation, despite payments and/or tenders having been made on the account. The retroactive late reporting does not accurately reflect the account history as previously reported. 

Additionally, OneMain internally designated my account as " loan modified '' without my request, consent, or execution of a signed loan modification agreement. I did not negotiate, authorize, or sign any modification, yet this designation appears to have affected payment application, account status, and credit reporting. 

Due to these discrepancies, I formally disputed the account and requested clarification and documentation. On XX/XX/year>, I mailed OneMain Financial written notice via Certified Mail, Return Receipt Requested, including a Qualified Written Request ( QWR ), a Notice of Billing Error, and a formal dispute of credit reporting. As of the date of this complaint, OneMain has not provided a written response addressing the disputed payment application, reported delinquencies, or the basis for any claimed loan modification. 

I am requesting that OneMain conduct a full investigation, correct any inaccurate credit reporting, provide documentation supporting any alleged loan modification or remove that designation if no executed agreement exists, and provide a clear written explanation of the account status, balance, and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
Im completing about inaccuracies of the following accounts : Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX I am submitting this complaint regarding inaccurate and unverified information being reported on my Experian consumer credit file by the above-named furnishers. Despite my rights under federal consumer credit laws, these accounts continues to be reporting with errors and/or without proper verification, causing ongoing harm to my credit profile. Harm that has caused me to not get approved for housing, which has drastically changed my living situations. 

The accounts listed above are reporting inaccurately on my credit report despite me previously bringing it to the furnishers attention. Specifically, the information being furnished is not complete, not accurate, and not verifiable, as required by law. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), furnishers of information have a legal obligation to : Report only accurate and complete information Conduct a reasonable investigation when a dispute is submitted Verify the accuracy of disputed information with competent evidence Correct or delete any information that can not be verified

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 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I owed XXXX {$17000.00}, and this account was being handled by the collection agency XXXX XXXX XXXX. I called them to reach a settlement and pay the account in full. The agreement was for {$10000.00}, and they told me that once I paid this amount, the account would be closed and reported with a balance of {$0.00}. After paying that amount on XX/XX/year>, the following week XXXX reported that I still owed them {$6900.00}, even though I had reached a payment agreement to close this account. Here are all the signed documents that prove what I'm saying. I contacted both companies, and neither wants to help me with this 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 2025-12-22 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-22 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: VA

Complaint narrative:
Equifax lowered my XXXX score from XXXX to XXXX, for no reason. I missed no payments. As a matter of fact, my credit history is better now. My on-time payment history is longer ( approximately XXXX months longer. ) I have more in savings and CDs at XXXX XXXX XXXX. I have told Equifax about those accounts. Equifax should also know about my XXXX account, as I'm a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
DIRECT DISPUTE DEBT BUYER VERIFICATION DEMAND XXXX XXXX XXXX XXXX court XXXX XXXX, AL XXXX Date : XX/XX/XXXX Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Re : Account No. XXXX I dispute the accuracy and legal compliance of your credit reporting for the above-referenced account. 

Your reporting contains material errors, including but not limited to : XXXX. Reporting a Date of First Delinquency of XX/XX/XXXX, which predates your alleged ownership and is legally impermissible. 
XXXX. Reporting the account as Open, despite being a collection account. 
XXXX. Reporting a balance without providing any accounting or contractual authority. 
XXXX. Failing to provide proof of assignment or chain of title from the original creditor, XXXX XXXXXXXX XXXX 

Pursuant to 15 U.S.C. 1681s-2 ( b ), please provide : The complete chain of title ( bill of sale and assignment ) Original signed contract Payment history from original creditor Date of first delinquency from original creditor Authority to report this account to consumer reporting agencies If you can not provide this documentation, you are required to cease reporting and delete this account from all credit bureaus. 

This is not a refusal to pay ; it is a dispute of accuracy. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which have caused me significant stress, confusion, and financial harm. On my Experian report, XXXX addresses are inaccurately listed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX CT, XXXX, FL XXXX, and several accounts are reported incorrectly, including XXXX XXXX XXXX  XXXX XXXX charge-off with a balance owed of {$7600.00}, XXXX XXXX with balances of {$12000.00} and {$4000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$4600.00}, all of which are inconsistent with my records and violate FCRA 605 ( a ), 607 ( b ), 611, and 623 ( a ) ( 5 ). My Equifax report also contains inaccurate addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, as well as misreported accounts, including XXXX XXXX XXXX  XXXX XXXX charge-off with a balance owed of {$7600.00}, XXXX XXXX with a balance owed of {$12000.00}, and XXXX XXXX accounts with conflicting balances of {$1900.00} and {$2700.00}, in addition to collection items reported in violation of DCPA 809, FDCPA 807, 808 and FCRA 605. Finally, my TransUnion report lists inaccurate addresses : XXXX XXXX, XXXX, FL XXXX and XXXX XXXX, XXXX XXXX, FL XXXX, and misreported account balances including XXXX XXXX with balances of {$12000.00} and {$4000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance owed of {$4600.00}, all of which violate FCRA 605 ( a ), 607 ( b ), and 611. I have attached supporting documentation for all accounts, statements, and correspondence, and I have attempted to dispute these inaccuracies directly with each bureau without resolution, yet the errors remain. These inaccuracies have adversely impacted my financial standing, ability to obtain credit, and overall peace of mind.

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 2025-12-22 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: CO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
It is not a company, this was a personal account.

Someone was impersonating a police officer from the XXXX XXXX XXXX. Police Department. In, fact it was three officers that were involved in the call. So my son was in jail on XX/XX/year> and because of that, I get a call for the police department telling me that bail is being set for my son and I would need to pay {$1200.00} for his bail. They knew what he was in for and read me the charges that were pending. They gave me options for payment and I had XXXX so I paid by XXXX. Then they told me I needed to have my sons last name first and first name last, for it to process correctly. I did it the opposite so the said it would take 1-2 hours to get back into the account but I would need to type in his name in the correct order for it to process correctly. So I stupidly ( hindsight ) did and sent another {$1200.00}. Then they proceeded to tell me that his bond was accepted and he will be release shortly, but he will need to register for a class, I forgot the name of it, but they said it was basically meeting with a probation officer and setting up visits. They we so believable as they knew everything and even knew to contact me, the mother.

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 2025-12-22 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:
I am submitting this complaint regarding multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which have caused me significant stress, confusion, and financial harm. On my Experian report, XXXX addresses are inaccurately listed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX CT, XXXX, FL XXXX, and several accounts are reported incorrectly, including XXXX XXXX XXXX  XXXX XXXX charge-off with a balance owed of {$7600.00}, XXXX XXXX with balances of {$12000.00} and {$4000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$4600.00}, all of which are inconsistent with my records and violate FCRA 605 ( a ), 607 ( b ), 611, and 623 ( a ) ( 5 ). My Equifax report also contains inaccurate addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, as well as misreported accounts, including XXXX XXXX XXXX  XXXX XXXX charge-off with a balance owed of {$7600.00}, XXXX XXXX with a balance owed of {$12000.00}, and XXXX XXXX accounts with conflicting balances of {$1900.00} and {$2700.00}, in addition to collection items reported in violation of DCPA 809, FDCPA 807, 808 and FCRA 605. Finally, my TransUnion report lists inaccurate addresses : XXXX XXXX, XXXX, FL XXXX and XXXX XXXX, XXXX XXXX, FL XXXX, and misreported account balances including XXXX XXXX with balances of {$12000.00} and {$4000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance owed of {$4600.00}, all of which violate FCRA 605 ( a ), 607 ( b ), and 611. I have attached supporting documentation for all accounts, statements, and correspondence, and I have attempted to dispute these inaccuracies directly with each bureau without resolution, yet the errors remain. These inaccuracies have adversely impacted my financial standing, ability to obtain credit, and overall peace of mind.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which have caused me significant stress, confusion, and financial harm. On my Experian report, XXXX addresses are inaccurately listed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX CT, XXXX, FL XXXX, and several accounts are reported incorrectly, including XXXX XXXX XXXX  XXXX XXXX charge-off with a balance owed of {$7600.00}, XXXX XXXX with balances of {$12000.00} and {$4000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$4600.00}, all of which are inconsistent with my records and violate FCRA 605 ( a ), 607 ( b ), 611, and 623 ( a ) ( 5 ). My Equifax report also contains inaccurate addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, as well as misreported accounts, including XXXX XXXX XXXX  XXXX XXXX charge-off with a balance owed of {$7600.00}, XXXX XXXX with a balance owed of {$12000.00}, and XXXX XXXX accounts with conflicting balances of {$1900.00} and {$2700.00}, in addition to collection items reported in violation of DCPA 809, FDCPA 807, 808 and FCRA 605. Finally, my TransUnion report lists inaccurate addresses : XXXX XXXX, XXXX, FL XXXX and XXXX XXXX, XXXX XXXX, FL XXXX, and misreported account balances including XXXX XXXX with balances of {$12000.00} and {$4000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance owed of {$4600.00}, all of which violate FCRA 605 ( a ), 607 ( b ), and 611. I have attached supporting documentation for all accounts, statements, and correspondence, and I have attempted to dispute these inaccuracies directly with each bureau without resolution, yet the errors remain. These inaccuracies have adversely impacted my financial standing, ability to obtain credit, and overall peace of mind.

Company response to consumer: Closed with explanation