vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I hereby demand that XXXX XXXX, XXXX immediately cease and desist all collection activity on this account. 
ILLEGAL COLLECTION WITHOUT VALIDATION 15 U.S.C. 1692g ( b ) LVNV failed to provide lawful validation including signed agreement, title chain, or full accounting.

FALSE CREDIT REPORTING FCRA VIOLATIONS 15 U.S.C. 1681e ( b ), 1681s-2 ( b ) LVNV is furnishing unverified and disputed data.

Case Law : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX v. XXXX & XXXX ;, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. 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 2025-12-03 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: TX

Complaint narrative:
On multiple occasions I have requested the deletion of XXXX items on my credit report that are reporting in error : XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy ( Dismissed ) filed XX/XX/XXXX. 
- XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy ( Dismissed ) filed XX/XX/XXXX. 

Both items are being reported as dismissed, not XXXX. This means no debt relief occurred, and no completed bankruptcy existed therefore, these entries do not represent a valid, reportable public record of insolvency under the Fair Credit Reporting Act. 

Legal Basis for Deletion XXXX. Violation of FCRA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] Maximum Possible Accuracy You are required to maintain only information that is complete and verifiably accurate. Reporting a dismissed petition as an active or valid bankruptcy misleads potential creditors and constitutes inaccurate reporting. 

XXXX. Violation of FCRA XXXX [ XXXX U.S.C. XXXX ( a ) ] Failure to Reinvestigate Upon receipt of this dispute, you are obligated to conduct a reasonable reinvestigation and delete or correct any data that can not be verified with original court documentation. It is insufficient to rely on third-party vendors such as XXXX, XXXX, XXXX XXXX  summaries ; only direct verification from the XXXX Bankruptcy XXXX XXXX XXXX bankruptcy was both filed and XXXX XXXX substantiate such a record. 

XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) [ XXXX XXXX. XXXX ( a ) ( XXXX ) ] XXXX of Obsolete Information Because these bankruptcies were dismissed within months of filing and did not result in adjudication, they can not be lawfully retained for XXXX years as completed bankruptcies. 

XXXX. CFPB and FTC Enforcement Guidance The CFPB XXXX XXXX and FTC XXXX XXXX Letters ( XXXX XXXX XXXX XXXX XXXX XXXX make clear that dismissed bankruptcies must be accurately reflected or removed when they do not represent a completed judicial action. Failing to ensure data accuracy constitutes an unfair or deceptive practice under the XXXX XXXX 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 2025-12-03 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, XXXX XXXX XXXX GA XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to XXXX XXXX XXXX I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXXOriginal creditorXXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
XXXX XXXX appeared XX/XX/year> with no authorization or credit application submitted by me. The inquiry is unauthorized under FCRA XXXX ( a ) ( XXXX ). I request deletion of this inquiry and mailed confirmation.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am appealing US Bank 's denial of my dispute claim and the scheduled reversal of a provisional credit. 

Timeline and Facts : XX/XX/year> : I authorized a small purchase of approximately {$6.00} at the merchant XXXX XXXX XXXX 
The merchant incorrectly processed the transaction amount as {$6300.00}, which is a clear and undeniable Merchant Billing Error ( Clerical/Keying XXXX ). 

XX/XX/year> : I initiated the claim process with US Bank immediately upon discovering the erroneous charge. 

XX/XX/year> : US Bank sent the denial letter ( Account ending in XXXX ). The bank incorrectly classified the claim as 'authorized fraud, ' citing location and pattern of use. This logic is faulty, as I do not dispute I was at the locationI dispute the impossible amount charged. 

XX/XX/year> ( Current Date ) : I received a denial letter from US Bank ( Account ending in XXXX ). 
I called the XXXX XXXX XXXX ( as listed on the denial letter ) to formally appeal the decision. After approximately XXXX hour on the phone, the representative failed to resolve the issue, only escalating the case to a XXXX who is scheduled to call within XXXX hours. No concrete action was taken to stop the reversal.

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 2025-12-03 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:
On XX/XX/year>, XXXX  publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX  allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
I have received multiple calls back to back in the past from XXXX claiming they were reaching out to collect debt on behalf of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
I am filing this complaint because after reviewing my credit reports from Experian, Equifax, I discovered conflicting and inaccurate information regarding two XXXX XXXX accounts, which has caused confusion and misrepresentation of my credit history. The first account, XXXX XXXX ending in XXXX with a {$0.00} balance, Date of Last Activity XX/XX/XXXX, and Date Reported XX/XX/XXXX, is showing a 30-day late only on Experian, while both Equifax and XXXX accurately display the account in good standing, which indicates that Experians version does not match the records maintained by the other bureaus or my own documentation. The second account, XXXX XXXX XXXX, also with a {$0.00} balance, Date of Last Activity XX/XX/XXXX, and Date Reported XX/XX/XXXX, is reporting on Equifax with inconsistencies in how the account status and timeline appear compared to the information I possess. These discrepancies suggest a failure to comply with multiple sections of the FCRA, including 611 ( 15 U.S.C. 1681i ) which requires a proper reinvestigation of disputed information, 623 ( a ) ( 2 ) which obligates furnishers to correct and update information across all bureaus consistently, 623 ( b ) which requires a reasonable investigation once notified of inaccuracies, and 15 U.S. Code 1666 and 1666a which address correction of billing-related errors and restrictions during a dispute. I attempted to resolve these matters through the credit bureaus, but because the information remains inconsistent and continues to portray an inaccurate version of my credit history, I am requesting CFPB intervention to ensure that all reported information is fully verified, corrected where necessary, and aligned across all reporting agencies in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I believe that XXXX XXXX is non-compliant with XXXX XXXX advertising guidelines. XXXX frequently sends emails alerting cardholders of ability to earn Bonus Rewards for qualifying purchases. Refer to attachment and explanation below : Notification of promotions are generally sent XXXX days AFTER the promotion has started. I feel I was not given ability to earn double rewards for XXXX MONTHS. This is a consistent pattern I have seen the past XXXX. Even if XXXX grants rewards for purchases I XXXX have made since inception of the promotion, I still do not feel this justifies not notifying cardholders in ADVANCE of promotion start dates so they can actually select the right REWARD card to use. I make all purchases on various reward cards. It's important for me to analyze future spending needs in ADVANCE of my purchases to select the appropriate card for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I did not apply or receive this loan. This is a payday loan from XXXX. Loan from XXXX. They said they have my signature and social security number. This is the XXXX time I have been a victim of identity theft and fraud. I did not apply for this loan, this is identity theft and fraud. I will not pay this loan. They want me to pay {$1400.00}. I disputed this loan. I filed with Social Security to put an alert on SS Number, have a freeze on all XXXX credit report agencies, and credit monitor. File a police report with XXXX, Oh police.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I have been fighting fraudulent information on my credit report due to identity theft. I have placed fraud alerts on my credit reports and under federal law all information related to identity theft is supposed to be blocked which currently has not happened.

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 2025-12-03 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: NC

Complaint narrative:
I have been fighting fraudulent information on my credit report due to identity theft. I have placed fraud alerts on my credit reports and under federal law all information related to identity theft is supposed to be blocked which currently has not happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
I am filing a complaint against OneMain Financial for repeatedly reporting false late payments on my credit report, despite acknowledging in writing that their reporting was inaccurate. 

Timeline : I disputed the inaccurate late payment reporting directly with OneMain several months ago. 
OneMain responded in writing and admitted there were errors in their reporting. 
Despite this admission, the company continues to report me as late to XXXX. 
I have never been late on this loan. 
This repeated false reporting is damaging my credit and preventing me from obtaining housing financing. 
The false reporting reappeared again this week, even after previous disputes and corrections. 

This is a clear violation of FCRA XXXX, including : XXXX information they know is inaccurate Failing to correct and update inaccurate information Failing to conduct a reasonable investigation Causing repeated credit damage despite prior notice I am requesting : XXXX. Full deletion of all inaccurate late payments XXXX. Correction of the underlying reporting profile so the false data stops reappearing XXXX. Written confirmation of correction XXXX. XXXX this will not recur Please investigate OneMains ongoing failure to comply with federal reporting requirements. 

I am attaching supporting documentation, including OneMains prior written admission of reporting errors and screenshots of continued false reporting. 

One Main Financial is a PREDATORY LENDER! I have had this loan for XXXX years and all of my payments have done absolutely nothing to reduce the balance in addition to ruining my credit for inaccurate late payment payments!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
Sent cease and desist letter with debt validation request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
XXXX reports consecutive XXXX late payments in XXXX for my mortgage with XXXX XXXX XXXX XXXX This information is inaccurate and unverifiable, as my payments for XXXX and XX/XX/XXXX are shown as on-time by Experian. This inconsistency indicates incorrect reporting of my credit history, potentially violating the Fair Credit Reporting Act ( FCRA XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), XXXX ( b ), and XXXX ( XXXX ) ). I am requesting that the information be reviewed and corrected to ensure my credit history is accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EdFinancial Services
State: MD

Complaint narrative:
EDFinancial accounts on my credit report that I don't completely understand and I am requesting clarification because the information being reported does not match the payment data or deferment history in my XXXX file. My report shows XXXX, XXXX, XXXX, and XXXX late entries throughout XXXX, but the paid field for each month shows the last payment as XX/XX/XXXX. In addition, my report shows deferred payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet late payments are still reported during months when payments were deferred. Deferment is not a past-due status, so it is unclear how these late entries were assigned. 

It also appears that the balance history for each month lists {$0.00} paid on XX/XX/XXXX even for XXXX and XXXX, which does not explain how the delinquency timeline was calculated. I am requesting the complete payment history, the actual dates I was considered late, the deferment records, and an explanation of how the XXXX  day past-due statuses were determined when the same paid on XX/XX/XXXX entry appears for every month. 

Please provide clarification regarding these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I purchased an airline ticket on XXXX and somehow scammers got hold of this information and double charged my Citi XXXX : XX/XX/year> - {$2000.00} - this is the actual correct charge XX/XX/year> - {$2000.00} - this is a duplicate charge for the same airline ticket. 

Furthermore on XX/XX/XXXX, there were XXXX additional charges that were fraudulent and not mine. Please see attached account printout for the detailed charges, unauthorized charges are underlined. 

I filed a complaint with Citibank, they blocked my card and I listed the fraudulent charges. However, when later that day a logged back into my account to double verify whether the right charges have been listed, only XXXX of the XXXX transactions were entered in my complaint, the most expensive one, the double charge for the airline ticket was conveniently left out, please see second attachment for additional details. 

Customer Service provided me with their separate XXXX Dispute Center number at XXXX, but after being on hold for hours, there is no customer service representative available to correct my complaint, even though I know, I filed it correctly in the first place. 

I am a XXXX veteran, currently with limited resources, this should not be a battle to start a dispute resolution and I feel these are tactics of Citicard to delay a real dispute resolution.

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 monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation