vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint against TransUnion regarding an account from XXXX XXXXXXXX XXXX that remains on my credit report. This account has already been deleted by XXXX XXXX XXXX due to their inability to verify the information. However, TransUnion continues to report the account and claims it was verified yet they have failed to provide any documentation or proof of that verification upon my request.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681i ), I have the legal right to dispute any information I believe is inaccurate or can not be verified. Upon dispute, the credit reporting agency is required to conduct a reasonable reinvestigation and must delete the item if it can not be verified. 

I requested detailed information regarding the method of verification, including : The name and contact information of the person or entity TransUnion contacted, Copies of any documents used to verify the account, And what specific method was used to conduct the reinvestigation. 


TransUnion has not provided any of this information and continues to report the account without proof of its accuracy or legitimacy, which is a violation of FCRA Section 611 ( a ) ( 7 ) and Section 602 ( a ), which mandates consumer reporting agencies to maintain maximum possible accuracy. 

This lack of transparency and failure to properly verify or remove the account has caused me harm and inaccurate reporting. I am requesting the immediate removal of the XXXX XXXX XXXX account from my TransUnion report and a full explanation of their reinvestigation process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Several times now, starting back in XXXX of XXXX my XXXX XXXX company has called me before XXXX am. I have told them several times that they are calling me way too early, they continued in XXXX, I called and told them they are not calling at the right time and they fixed the problem. I had no issues in XXXX. Im not sure what happened but they started again in XXXX and I just would ignore the call but this final time the man told me to change my phone number and it bothered me because why would I change my phone number when you can just make sure I am not called before XXXX am like youre supposed to?? My area code is for XXXX XXXX  but I live in XXXX XXXX and have lived here for several years now. The time zone is in XXXX time. He told me they go based off the area code but again, I have told them before they are calling me before XXXX am and they seem to be able to fix the problem. They also routinely will call every XXXX minutes if you ignore their call like the example I included from XX/XX/year>. When I am working I cant answer the phone so if I ignore the call, I dont then want to be harassed until I pick up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
My account with SELF/LEAD was never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in to be removed.

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. 

XXXX 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! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
My account with SELF/LEAD was never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in to be removed.

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. 

XXXX 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! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I take great care in maintaining a clean credit history, and I was surprised to find a collection account listed under my profile that I do not recognize. I have never had any association with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I called Comenity about my Bread Cashback credit card to request a direct deposit of my rewards in the amount of {$220.00} on XXXX XX/XX/year>. They took my bank information and read it back to me, and to my recollection, it was correct. I had not yet received the deposit by XXXX XX/XX/year>, so I called them on XXXX XX/XX/year>. I spoke with an agent who asked me for the last XXXX digits of the account number the direct deposit was supposed to go to. I confirmed the last XXXX digits of my account, and they read the last XXXX of the account the deposit was actually sent to. The last XXXX digits they read were different from the last XXXX digits I had given them. They stated they would " escalate the case '' and instructed me to " check back in a couple days. '' I was skeptical so I asked to be transferred to a supervisor. The supervisor eventually asked similar questions before proceeding to tell me that they could not do anything and the redemption was final. I told them this was a violation of their agreement because the redemption was never paid to me, as I do not own the account they sent it to. They continued to state there was nothing that could be done, so I requested to be transferred to the next level supervisor. They agreed to transfer me and I was placed on a brief hold before they hung up on me. I called back immediately, recording the call on my end this time, and was connected with an agent. I explained that the previous agent hung up on me and requested a supervisor. The agent said they would transfer me, at which point I was placed on hold before being hung up on once again. I called back a third time, again recording the call and letting the agent know I was recording the call. I again requested to be transferred to a supervisor, and I was. I spoke with this supervisor briefly and they asked some of the same verification questions that were initially asked about the bank account. They stated they were looking through call recordings to try to find my call requesting the direct deposit. I told them the date and time of the call based on my records. They continued to look, occasionally reassuring me I was still connected, for over 30 minutes, after which they stated their fraud department was best to further assist me. They stated they would transfer me to the fraud department, but instead immediately hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I had XXXX loans through USAA back in XXXX. Due to financial hardship they were charged off around XXXX each, totaling about XXXX ) and sold to XXXX solutions for debt collection. 

I settled with XXXX for about 60 % ( around {$8000.00} ) and paid it off LAST YEAR. I received nothing from XXXX XXXX, and now its been a year with USAA still reporting the balance owed and marking it as delinquent every single month. USAA needs to put the balance at XXXX and stop marking it as delinquent and derogatory since they no longer own the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I am a victim of the Equifax data breach of XXXX, which resulted in identify theft and exposed sensitive personal information including my Social Security numbers and other identifying data. attached below is copy of my FTC Report and other supporting documents.

Pursuant to 15 U.S. Code 1681c2, I request an immediate block of the fraudulent information appearing on my credit report that I did not authorize or initiate. 

a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report. ( 3 ) the identification of such information by the consumer. ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The disputed item ( s ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not open these account. It is the result of identity theft and appeared after the Equifax breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
I am a victim of the Equifax data breach of XXXX, which resulted in identify theft and exposed sensitive personal information including my Social Security numbers and other identifying data. attached below is copy of my FTC Report and other supporting documents.

Pursuant to 15 U.S. Code 1681c2, I request an immediate block of the fraudulent information appearing on my credit report that I did not authorize or initiate. 

a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report. ( 3 ) the identification of such information by the consumer. ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The disputed item ( s ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not open these account. It is the result of identity theft and appeared after the Equifax breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had a buy now, pay later loan with a lendor for an HVAC system purchased through XXXXXXXX XXXX  I also had auto payment set up with that lendor. I just found out today that my loan was transferred to Synchrony Financial months ago. I did not receive any official notice of this transfer. The result is that I apparently owe months of payments. I contacted Synchrony today and was told there was nothing they could do because they sent emails. I did not receive those emails and I did not receive any phone calls that were from a verifiable phone number. 

I am concerned that I now owe months of payments and Synchrony could not tell me if they would report me to a credit agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I am a victim of the Equifax data breach of XXXX, which resulted in identify theft and exposed sensitive personal information including my Social Security numbers and other identifying data. attached below is copy of my FTC Report and other supporting documents.

Pursuant to 15 U.S. Code 1681c2, I request an immediate block of the fraudulent information appearing on my credit report that I did not authorize or initiate. 

a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report. ( 3 ) the identification of such information by the consumer. ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The disputed item ( s ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not open these account. It is the result of identity theft and appeared after the Equifax breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a collection account currently listed on my credit report that I never authorized, initiated, or held any relationship with. I have no history or prior dealings with the entity reporting this item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I got a notification that my credit was ran with out my consent. I have never heard of this company Im not sure why they are running my credit I noticed that they also ran in it XXXX as well which I never heard of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OneMain Finance Corporation
State: MO

Complaint narrative:
I got a notification that my credit was ran with out my consent. I have never heard of this company Im not sure why they are running my credit I noticed that they also ran in it XXXX  as well which I never heard of this company

Company response to consumer: Closed with explanation