vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. This complaint is not sent in error. After reviewing my credit report, I have identified information that is false and not 100 % accurate. This inaccuracy is causing me significant stress and is negatively impacting my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-20 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
In XX/XX/2025 I requested a fraudulent charge to my credit card. Someone was using my card for an XXXX account so I asked for a replacement card. I was in the process of moving and changing my address. I thought it may have been sent to my old address ( even though I did a change of address with the USPS system ) but when I called they said it was on the way. During this time I was still making my payments which lead to a credit line increase.

I never received a replacement card. Everytime I called they reinitiated the replacement card process and said it will take 3-5 days for their specialized team to get to it and then another 10-15 days to be mailed. It is now XX/XX/XXXX and I still don't have a card. I have called every month about this. It is documented in their system. It also shows that I have not used the card since XX/XX/2025. 

This is a very deceptive practice where they trick consumers into thinking they are being rewarded with on-time payments and then withholding their cards when they request a replacement so that they don't use them.

I actually would like to pay my {$820.00} balance to help my credit score but I do not want to continue to do business with a company with deceptive practices. I have a {$920.00} of " available '' credit for emergencies if I had a card to use. Please assist if possible.

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
Subject : Complaint Under the Fair Credit Reporting Act ( FCRA 611 ( b ) & 623 ( b ) ) Failure to Correct Inaccurate Reporting Creditor/Furnisher : XXXX / XXXX ( XXXX ) Account Number : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Dear CFPB Representative, I am filing this complaint against XXXX/ XXXX ( XXXX ) for continuing to report inaccurate and misleading information to the credit bureaus despite multiple written disputes and supporting documentation proving the inaccuracy. 

The account listed above was Reported as charge-off though paid in full and closed as of XX/XX/year>. However, the company continues to report false information, including late payments and/or charge-off status. 

I submitted a written dispute under FCRA 623 ( a ) ( 8 ), providing payment proof and account statements. The company responded with a denial letter claiming the data was verified as accurate, yet failed to produce evidence supporting the delinquencies. 

This is a violation of : - FCRA 623 ( b ) : Failure to conduct a reasonable investigation after receiving notice of dispute.

- FCRA 611 ( b ) : Failure to ensure that inaccurate or unverifiable data is corrected or deleted.

I request that the Consumer Financial Protection Bureau require the furnisher to delete the entire tradeline under FCRA 611 ( a ) ( 5 ) ( A ) as the information can not be verified. 

Attachments : XXXX. My original dispute letter XXXX. The companys denial response XXXX. Proof of payment or account closure XXXX Credit report screenshot showing inaccurate reporting XXXX. Photo ID and proof of address Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and potentially unlawful entries on my credit report. The reporting of these accounts contains serious errors, including charge-offs, late payments, and unauthorized inquiries, which are causing substantial harm to my creditworthiness and financial standing. 

The accounts in question are as follows : XXXX XXXX * * * * Opened XX/XX/XXXX, High Credit {$290000.00} Reported as Charge Off ( inaccurate ). 

XXXX NC XXXX * * * * Opened XX/XX/XXXX, High Credit {$2300.00} Reported Late Payment ( inaccurate ). 

TAB/SUNBIT XXXX * * * * Opened XX/XX/XXXX, XXXX XXXX {$340.00} Reported as XXXX XXXX ( inaccurate ). 

XXXX XXXX XXXX * * * * Opened XX/XX/XXXX, High Credit {$22000.00} Reported as Charge Off ( inaccurate ). 

XXXX XXXX on XX/XX/XXXX ( unauthorized ). 

XXXX XXXX on XX/XX/XXXX ( unauthorized ). 

XXXX XXXX on XX/XX/XXXX ( unauthorized ). 

XXXX XXXX XXXX on XX/XX/XXXX ( unauthorized ). 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported to credit bureaus must be accurate, complete, and verifiable. The repeated misreporting of charge-offs, late payments, and the inclusion of unauthorized inquiries not only damages my credit score but also constitutes a potential legal violation of my rights under federal law. 

I demand the following actions : Immediate investigation and correction of all inaccurate information.

Removal of any unauthorized or unverified inquiries.

Written confirmation that these errors have been fully resolved and that my credit report accurately reflects my credit history.

Notification to all relevant credit bureaus of the corrections.

Please consider this letter a formal request for prompt investigation and corrective action. Failure to correct these inaccuracies in a timely manner may result in further legal action to enforce my rights under federal law.

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 2025-10-20 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-20 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-20 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXX * * * * * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Never seen these collection ever. I had my wallet stolen way back with all my info on it and I didnt know I can put a flag on my SS card so nobody can use it. I learn this late in life. Reason I had a lock on my account. As when I told them they told me thy would remove it but it still there hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
THIS INQUIRY IS INVALID UNDER FEDERAL CREDIT REPORTING STANDARDS

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 2025-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CapitalJ Inc. dba Juno
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the Synapse bankruptcy case, indicating their belief that XXXX may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

* * My Background * * I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX XXXX XXXX XXXX and was frozen on or around XX/XX/XXXX, without warning. 

* * The Harm I Suffered * * When my account was frozen, I had {$84000.00} in the account. Since then, I have recovered {$350.00} leaving {$83000.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : I experienced severe anxiety and distress due to the sudden loss of access to my savings. 

I had to pospone my moving back to my home state while waiting for my funds. 

I am going to be XXXX XXXX XXXX with a husband who is ill. He has been hospitalized 3 times since XX/XX/XXXX. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and XXXXinsured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-20 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-20 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX 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 2025-10-20 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:
THIS HARD INQUIRY WAS NEVER PERMITTED OR CONSENTED TO

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 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: GA

Complaint narrative:
A 3 month trial payment was set from XX/XX/XXXX- XX/XX/XXXX, that was over {$1000.00} more than the regular payment of {$3200.00}, that we were already finding it difficult to pay after loss of employment. We gave our last and made the XXXX payments, and also filed a XXXX XXXX XXXX in XX/XX/XXXX that was dismissed without prejudice on XX/XX/XXXX. We are fighting to keep our XXXX XXXX and notice unconscionability, statutory violations, and lack of lawful authority surrounding the mortgage transaction and foreclosure proceedings initiated by Selene Finance LP and related parties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/year> I had XXXX fraudulent transaction made to my account where someone purchased XXXX XXXX XXXX. Citibank said that the charges were made by myself which is far from the truth. I filed an appeal on XX/XX/year>. I received a refund on the XXXX of XXXX for {$41.00} which is only XXXX of the transactions. I would frequently call Citibank for updates on my appeal, but would receive no help from their customer service reps.

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