vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting by OneMain Financial on a paid charge-off account. 

I previously disputed the reporting with both the credit reporting agencies and OneMain Financial. In response, OneMain stated that the account is being reported accurately, but did not provide documentation validating the accuracy of the reporting under the Fair Credit Reporting Act ( FCRA ) or XXXX XXXX guidelines. 

The account has been paid and reflects a XXXX balance, yet it continues to report charge-off status and major delinquency in a manner that exaggerates current credit risk. Remarks such as paid for less than full balance and continued negative status coding remain despite the obligation being resolved. 

Additionally, reporting fields such as the account status, delinquency history, and reporting updates appear inconsistent across credit bureaus. OneMain has not provided original account documentation, a complete payment history, or evidence supporting the continued negative characterization of this account.

I am requesting one of the following : 1. Written validation of the accuracy of all reported fields under XXXX XXXX standards, or 2. Correction of the account to a neutral paid/closed status, or 3. Deletion of the account if accuracy can not be substantiated. 

I am requesting CFPB assistance to ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ADP Inc.
State: AL

Complaint narrative:
Wisely card.service let someone take my entire check. They changed my password and username and also withdrew all my funds without notifying me with an email or text message. They couldn't tell me who took the funds why they let them withdrew without my consent or social security number. Now it's taking 4weeks to receive paperwork in the mail in which I'll have to send back. Right before XXXX! I feel as if it was an inside job. Because how would anyone know my email and password or even social security number to even change my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am disputing the accuracy of the following accounts and inquiries on my TransUnion credit report. These items appear to be inaccurately reported, and I request a full investigation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On Sunday XX/XX/XXXX, at about XXXX {$300.00} was wrongfully and unlawfully taken from my account and sent somewhere else via bitcoin. I wasnt by my phone when this happened and when I got aware I called Cashapp immediately. It took me about XXXX hours before I could get on the phone with a representative. When I got on the phone with the representative they were rude and trying to rush the case I felt. The same thing ended up happening the very next day on Monday XX/XX/XXXX, at about XXXX. Another wrongful and unlawful transaction on my account that I dont have a clue how it happened. They told me at the moment due to it being on bitcoin they cant reverse the payment which I understood. But, this happened on Cashapp platforms so I asked if the company could reimburse me, they said no. They have to be held accountable for these things. They told me the measures they provided me with would stop any other fraud from happening but another fraudulent transaction occurred the very next day. Honestly I need to be reimbursed all my money or legal action will be coming because this is ridiculous. I ask to speak to a manager, and there is no manager on site. Im trusting them with my money so they cant tell me theres nothing more they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-12-16 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: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
1. The Misleading Headline and " Net Impression '' I was presented with a promotional banner upon logging into my account, which featured the headline : " Unlock an extra 30 % cash back on your holiday shopping! ".

In standard financial terminology, " cash back on shopping '' describes a percentage of the transaction amount. Furthermore, the use of the word " extra '' implies an additive bonus. The " net impression '' of this headline is that the cardholder will receive their standard rewards rate plus an additional 30 % on the transaction totals. 


2. The Contradictory Fine Print The terms of the offer were not clearly displayed on the initial login banner. They were only clarified in an email sent on XX/XX/XXXXXXXX XXXX XXXXapproximately two weeks after I first saw the banner and began spending. The body text of this email redefines the offer as earning " an extra 30 % cash back on cash back earned ''. 
This shifts the 30 % calculation from the transaction amount ( as stated in the headline ) to the rewards earnings. This changes the offer from a massive additive bonus ( e.g., 1 % + 30 % = 31 % return ) to a negligible multiplicative bonus ( e.g., 1 % x 1.3 = 1.3 % return ). 


3. Materiality and Injury ( Financial Damages ) This deception was material to my decision-making and directly altered my financial behavior in three specific ways : Lost Opportunity Cost : I charged {$700.00} to this card instead of my alternative card which earns a guaranteed 7 % cash back. I forfeited approximately {$40.00} in guaranteed rewards because I relied on BMO 's implied offer of ~31 %. 
Induced Spending : I made {$990.00} in discretionary purchases solely because I believed I was receiving a 31 % discount. I would not have made these purchases otherwise. 
Behavioral Manipulation : The offer required spending " at least {$1500.00} '' and making " at least 10 qualifying purchases ''. My historical average with this card is roughly 7 transactions totaling less than XXXX XXXXXXXX. Because of this deceptive offer, I spent over {$2500.00} this montha 400 % increase over my normal usagespecifically to meet the thresholds advertised. 


4. Timing of Disclosure The promotional banner appeared approximately two weeks prior to the clarifying email received on XX/XX/year>. This created a significant window where I was induced to spend money based solely on the deceptive " net impression '' of the headline, with no access to the contradictory fine print.

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 2025-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Hello, I have an on going issue with XXXX XXXX. I have numerous documents ( contracts ) with different payoff amounts, open account date, 2 different monthly payment dates and computer generated initials on 1 of the contracts as well as different monthly payment amount. I was unaware that Santander Financial was merging with XXXX XXXX. I contacted Santander with the information i received from XXXX XXXX XXXX XXXX, XXXX did not have my information in there system regarding my loan information. I was trying to get a pay-off amount from XXXX, and i got a XXXX payoff as apposed to XXXX. I also incurred late fees due to having 2 payment dates in 1 month, the XXXX and the XXXX of each month. After i learned more about my situation, i gathered all the information an sent packets to all 3 Bureaus. So far i have no input because it takes 30-45 days for an answer. I have contacted attorneys to help me. I am waiting on Bureau Dispute Center for their updates. Till then, i am stuck with a vehicle, that i do not know when it will end? Please Help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I had an affirm inc account years ago ( only ever purchases through XXXX ). made the final payment, had an alert that someone tried to purchase on it, when i clicked no it wasn't me, they contacted me and had me go over an hour on the phone for security- informed me they made it so this can not happen and closed the account. 
now all of the amounts they made me confirm for security have shown up as amounts that I owe to this company. 
i was assured all of these codes and amounts were to secure the account so nobody could use it. now they are amounts that i supposedly owe XXXX is the code they kept having me use and low and behold -- - the loan amounts show needing to be paid to XXXX  I think the phone call to prevent fraud, was actual fraud. now it is showing on my credit report and I have nothing to do with this and I contacted affirm. they are saying the account for these amounts is not associated with my email. obviously. i said yes, because they aren't mine. they won't give me more information -- - for security purposes what security? security would be not letting someone open an account in my name. I have no idea where to go from here, but am furious. I am a successful professional any my credit score was over XXXX - it dropped XXXX points in one day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
MXXXX XXXX XXXX XXXXXXXX XXXX FAS account with Optum Bank in the amount of {$200.00} and {$40.00} on XX/XX/year>. However, this FSA account was closed on XX/XX/year> and claim submission closed on XX/XX/year>XXXX XXXX XXXX XXXX  was unable to reverse the transaction to stop the refunds to Optum Bank and advised I follow up with Optum Bank. I have called several times, opened several cases, and am met with their conclusion that the money is considered forfeited since the account was closed on XX/XX/year>. Please be reminded the funds were credited to the account on XX/XX/year>, several months after the account was closed. I would like to make a complaint of misconduct on the part of Optum Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am a consumer seeking to resolve discrepancies regarding the accounts listed below. The accounts have been reported inaccurately, and I am requesting that the information be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1600.00}

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 2025-12-16 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-12-16 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: AL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-16 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: CA

Complaint narrative:
I am writing to file a formal dispute regarding the following accounts that appear inaccurately on my credit report. I am requesting that these items be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES EX ( Experian ) : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am writing to file a formal dispute regarding the following accounts that appear inaccurately on my credit report. I am requesting that these items be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 

XXXX ( Equifax ) Charged Off Accounts : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$510.00}

Company response to consumer: Closed with non-monetary relief