vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting my fifth follow-up complaint to demand the immediate and permanent removal of multiple inaccurate, misleading, and unverifiable charged-off accounts appearing on my credit reports with Experian, Equifax, and TransUnion XXXX as these items are causing severe harm to my creditworthiness and misrepresent my financial history. 

The first set of inaccuracies concerns my XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts, reported with balances of {$32000.00} and {$32000.00} on Experian and TransUnion, both inaccurately listed as charged-off without proper documentation, including the required 1099-C for debts over {$600.00}, violating FCRA 607 ( b ), 15 U.S.C. 1681e ( b ). Despite prior disputes, these accounts remain on my reports, constituting a violation of FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), and FCRA 623 ( a ) ( 1 ) ( A ) / 1681c-2, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as the furnishers failed to ensure accuracy before reporting. 

Additionally, my XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts, each showing a {$0.00} balance, are inaccurately reported across Experian, Equifax, and TransUnion, despite being fully paid and closed, demonstrating ongoing reporting of unverifiable and misleading information.

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 2025-12-19 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: AR

Complaint narrative:
I am submitting this complaint because my credit report contains numerous inaccuracies and unverifiable accounts that misrepresent my financial history and pose a serious risk to my creditworthiness. By law, I am entitled to a credit file that is accurate, complete, and verifiable under the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( a ), 604 ( a ), 605 ( a ), 607 ( b ), 609, 611, and 623 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ). Upon reviewing my credit report, I discovered multiple accounts and balances, as well as associated addresses, that appear to be reported inaccurately or without proper verification, including large balances allegedly owed to XXXX XXXX XXXX, and other creditors, as well as numerous medical collection accounts and auto loans, with inconsistent reporting of last activity dates, balances, and payment histories. Additionally, several addresses associated with my file, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX, are inaccurate or unverifiable, further calling into question the integrity of the reporting on my credit profile. These errors collectively create a misleading narrative that could adversely impact my financial reputation, access to credit, and personal security. I am invoking my rights under FCRA 611 to dispute any information that is inaccurate or can not be properly verified and demand that all furnishers provide supporting documentation for every entry listed. Furthermore, under FCRA 605 ( a ), any information that can not be substantiated must be promptly removed to restore the accuracy of my file. I request a thorough and lawful reinvestigation of each account, complete disclosure of all documentation and verification used to support the reporting, correction or deletion of inaccurate information, and written confirmation of all actions taken to ensure that my credit report reflects only accurate, verifiable, and legally compliant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: AR

Complaint narrative:
I am submitting this complaint because my credit report contains numerous inaccuracies and unverifiable accounts that misrepresent my financial history and pose a serious risk to my creditworthiness. By law, I am entitled to a credit file that is accurate, complete, and verifiable under the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( a ), 604 ( a ), 605 ( a ), 607 ( b ), 609, 611, and 623 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ). Upon reviewing my credit report, I discovered multiple accounts and balances, as well as associated addresses, that appear to be reported inaccurately or without proper verification, including large balances allegedly owed to XXXX XXXX XXXX, and other creditors, as well as numerous medical collection accounts and auto loans, with inconsistent reporting of last activity dates, balances, and payment histories. Additionally, several addresses associated with my file, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX, are inaccurate or unverifiable, further calling into question the integrity of the reporting on my credit profile. These errors collectively create a misleading narrative that could adversely impact my financial reputation, access to credit, and personal security. I am invoking my rights under FCRA 611 to dispute any information that is inaccurate or can not be properly verified and demand that all furnishers provide supporting documentation for every entry listed. Furthermore, under FCRA 605 ( a ), any information that can not be substantiated must be promptly removed to restore the accuracy of my file. I request a thorough and lawful reinvestigation of each account, complete disclosure of all documentation and verification used to support the reporting, correction or deletion of inaccurate information, and written confirmation of all actions taken to ensure that my credit report reflects only accurate, verifiable, and legally compliant information.

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 2025-12-19 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: OH

Complaint narrative:
Take my report and file away bc I have had my identity stolen. I didt agree to that. Can u pls take those away to repair my credit report?

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 2025-12-19 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 writing to formally dispute the following account, which is being inaccurately reported on my credit file by Equifax, Experian, and TransUnion. This account is the result of identity theft, and I am requesting its immediate blocking pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. 

Creditor : XXXX Account Type : Automobile Loan Reported Balance : {$28000.00} Account Status : Open Date Opened : XX/XX/year> Last Reported : XX/XX/year> Payment Status Reported : 3059 Days Late I did not open, authorize, or benefit from this account, nor did I consent to any application, contract, or financial obligation associated with XXXX. The information currently being reported is inaccurate and fraudulent. 

Under 15 U.S.C. 1681c-2 ( a ), once a consumer reports identity theft and provides proper documentation, a consumer reporting agency is required to block the reporting of information resulting from identity theft within four ( 4 ) business days. Continued reporting of this account violates my rights under the FCRA. 

I have filed an identity theft report and am prepared to provide any required documentation, including : Proof of identity Identity theft affidavit and/or police report Proof of address I am requesting the following actions : 1. Immediate blocking and removal of the XXXX account from my credit file 2. Written confirmation that the account has been blocked pursuant to 15 U.S.C. 1681c-2 3. Assurance that this account will not be reinserted unless the requirements of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) are met

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 2025-12-19 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: TX

Complaint narrative:
Despite the account being paid off, it continues to display inaccurate late payment entries.

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 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I sent a payment of {$80.00} through XXXX  to purchase XXXX collectible figures advertised by an individual on XXXX XXXX as a XXXX gift. The seller communicated with me, provided photos of the items, and appeared legitimate. 

When it was time to pay, the seller instructed me to send payment through a third partys XXXX  account, stating that he did not have a XXXX  account himself. I sent the payment based on the sellers representations. 

After the payment was sent, the seller failed to deliver the items. When I attempted to follow up, the seller provided false explanations for the delay, including claiming a family emergency, and later requested additional money. I declined to send any additional funds. Shortly after, the seller ceased communication and blocked me. 

I contacted my bank, which advised that the transaction could not be reversed and that only XXXX  could address the issue. I then reported the transaction to XXXX  as fraud. XXXX  acknowledged that the receiving account violated their policies and stated that action was taken against that account. However, XXXX  refused to reverse the transaction or reimburse the funds, citing that peer-to-peer payments are final unless Purchase Protection is used XXXX 

XXXX  has since provided only automated responses and help articles and has not offered meaningful assistance despite confirming fraudulent activity. I am requesting regulatory review of XXXX fraud handling practices and whether consumers are adequately informed that they may have no recourse even when fraud is confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Chrysalis Holdings LLC
State: OH

Complaint narrative:
On or about XX/XX/year>, my XXXX  year-old husband who was a XXXX veteran wanted to take out a cash out loan with new day USA when we got all the documents finished and everything we had to do some painting to the outside of our house, but it ended up being a scam because our house was almost paid off and we ended up with a mortgage payment of {$1000.00} a month for 30 years. My husband passed away from his XXXX XX/XX/XXXX which was XXXX months ago and Ive been trying to get information from these people and no response theyll send me a letter which means nothing so I dont know what to do. We went from about owing XXXX then plus the loan of $ XXXX {$100000.00} Payback and now my husbands dead and he thought he was gon na be helping me by leaving me with a little bit of extra cash.

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 2025-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Momnt Technologies, Inc.
State: IL

Complaint narrative:
XXXX XXXX ( age XXXX ) was placed into a fraudulent medical loan through MomntXXXX XXXX Bank for a XXXX  XXXX  procedure that was never provided. 

XXXX disputed the loan in writing over a year ago. Momnt failed to investigate, failed to validate the debt, and continued collection activity. 

Despite an active fraud dispute, Momnt transferred the debt to a third-party collector and is still sending payment demands, adding fees, and threatening credit reporting. 

This constitutes ongoing unlawful collection and elder financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: PA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-19 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: PA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to request review of Bank of Americas handling of a credit reporting issue after multiple attempts to resolve it directly with the company. 

I have been a Bank of America credit card customer since XXXX and this account is one of my oldest credit accounts. In XX/XX/XXXX, a single XXXX late payment was reported on my credit report related to a {$10.00} balance. This occurred due to an oversight in which I mistakenly believed autopay was enabled on this specific card. As soon as I became aware of the issue, I paid the balance immediately and enabled autopay to prevent recurrence. 

I acknowledge that the information reported is technically accurate and that Bank of America met its notification obligations under paperless billing. I am not alleging a billing or legal error. Rather, I requested a one-time goodwill adjustment given the extremely small balance involved, the isolated nature of the incident, my otherwise strong payment history, and the immediate corrective action taken. 

Beginning in XX/XX/XXXX, I contacted Bank of America customer service and later a supervisor to ask how to submit a goodwill request or have the matter reconsidered. During these interactions, I received conflicting guidance, including being told to contact XXXX  ( which can not grant goodwill adjustments without the furnishers authorization ) and being told there was no internal mailing address or department to handle such requests. I was later provided with an executive/client care email address and submitted a written goodwill r

equest. I was also contacted by Bank of Americas credit reporting specialist team and attempted to return their calls multiple times, including leaving voicemail messages. Due to international travel during part of this process, there was some phone tag, which I proactively explained by email. Ultimately, I was informed that Bank of America does not make goodwill adjustments in situations without bank error. 

Despite my good-faith efforts to follow the process provided, there was no meaningful reconsideration of my request, and I was left without a clear or consistent path for review. I am therefore requesting CFPB assistance to have Bank of Americas executive or credit reporting review team reconsider this matter in light of the disproportionate impact of a single, small-dollar oversight on a long-standing customers credit profile.

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 2025-12-19 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:
Eliminate my report and file as I am a victim of identity theft. I hv not authorized this. Remov all infor to repair my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This credit inquiry was never approved or authorized by me I did not speak with the lender on the stated date, nor did I agree to any credit check. Given that this was done without my permission, I kindly request that you promptly remove the inquiry from my credit report at your earliest convenience.

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 2025-12-19 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: VA

Complaint narrative:
They are reporting to at least XXXX  that Im over my credit limit and you can see that Im clearly not. I want Onemain to correct this information ASAP OR Im sending card back and Im done with them playing with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CT

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This credit inquiry was never approved or authorized by me I did not speak with the lender on the stated date, nor did I agree to any credit check. Given that this was done without my permission, I kindly request that you promptly remove the inquiry from my credit report at your earliest convenience.

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