vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-12-22 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: DC

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: KY

Complaint narrative:
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 : Charged Off Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$850.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$220.00} XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1900.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$590.00} Inquiries : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have made several attempts to close my account with OneMain Financial Brightway credit card. on XX/XX/XXXX, I paid the balance of XXXX and closed the account. I was later charged an additional XXXX after the account had been closed. This was reported to credit reporting agencies as being late. After receiving notice that I still owed XXXX, I paid the balance again on XX/XX/XXXX, and was advised the account was closed. On XX/XX/XXXX, I received another notice that I still have a balance of XXXX. This company refuses to close my account and continues to charge me what they consider " interest fees '' even though the account has been paid in full twice, and closed for over a month. How can I be charged interest for a credit card that is not being used?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
As per 15usc 1611 XXXX  XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( XXXX ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title XXXX section XXXX. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-22 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: NC

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL 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 2025-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
For almost XXXX months now, I have been trying to update my biweekly payments and both people have lied about the payment being changed to a lower amount. XXXX has stated that SHE has the magic touch and will make it work this time. I still pay more than the minimum payment but want it to be less. 

ON TOP OF THAT, I sent an additional amount of property tax that was due and was SUPER clear that the XXXX and change was due. These geniuses sent the entire amount including what was already sent in XXXX. As disturbing as that is, no matter how many people I speak to, they act like its NO big deal and for the life of me, I can not fathom how these people have jobs. Its truly disturbing. 

So, XX/XX/year> - we shall see if XXXX was able to get this done. I am ready to lose my mind. It seems like that may be their goal as it is VERY difficult to get to a human and even more difficult to get follow-through

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
Dear Sir/Madam, I am writing to dispute several inaccuracies on my credit reports. Below are the accounts in dispute, separated by bureau, along with the relevant details. 

CHARGED OFF XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$4100.00} INQUIRIES XXXXXXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-22 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 am concerned about an unfamiliar inquiry appearing on my credit report. I did not authorize, apply to, or consent to this company accessing my credit information. I have no knowledge of this inquiry and am trying to understand how and why it occurred. Its presence is causing me significant stress and anxiety, as I take my credit profile very seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: DE

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. Below are the details of the accounts in dispute, separated by each bureau. 

Charged Off : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payment : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am submitting this complaint to dispute the LVNV Funding account as it is currently being reported by XXXX XXXX, and XXXX. The account is inaccurate, misleading, and unverifiable, and its continued reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute this account in its entirety pursuant to FCRA 611. The tradeline contains material inaccuracies, including incorrect account status, inconsistent creditor identification, lack of payment history, and failure to establish lawful ownership of the alleged debt. 

Applicable e-OSCAR Dispute Codes : XXXX ( Not mine ), XXXX ( Account information inaccurate ), XXXX ( Balance incorrect ), XXXX ( Date opened incorrect ), XXXX ( No knowledge of account ), XXXX ( Account status incorrect ), XXXX ( Incomplete or inaccurate information ), XXXX ( Can not be verified ), XXXX ( Not legally collectible ), XXXX ( Creditor failed to provide proof of ownership ), XXXX ( Duplicate or improperly reported debt ), XXXX ( Consumer disputes reinvestigation required ). 

LVNV Funding has failed to provide competent evidence demonstrating lawful ownership of this alleged debt, including a complete chain of title, bill of sale, or assignment from the original creditor. No signed contract or application bearing my signature has been produced. 

This account is improperly reported as an open account. A third-party debt buyer can not lawfully report an account as open without an active consumer agreement. Additionally, listing XXXX XXXX XXXX XXXX XXXX as the original creditor is inconsistent and materially misleading. 

No payment history has been provided, further violating FCRA accuracy requirements under 15 U.S.C. 1681s-2. Any verification relying solely on automated database confirmation or XXXX responses fails to meet the reasonable reinvestigation standard established in XXXX v. XXXX. 

Because this account can not be fully verified with original source documentation, it must be deleted pursuant to FCRA 611 ( a ) ( 5 ). Continued reporting without proper verification constitutes non-compliance. 

I respectfully request that the CFPB require XXXX, XXXX, XXXX, and LVNV Funding to either provide full legal verification or delete this tradeline immediately. I reserve all rights to pursue further remedies if this matter is not resolved. 


Signature : XXXX XXXX Without Prejudice All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Due to a recent lawsuit and medical bills I had to miss two payments after previously being 100 %. I have called numerous times to easily resolve this issue. ( For example I told them I can make a payment for the coming month, but I will not be able catch up on the past payments ) and the only course of action was to pay three months straight and then be offered a " extension loan '' where I wouldn't even be eligible to apply for relief until to loan is 90+ days delinquent despite me being able to make regular payments again. I understand that this is a credit union and they can not take on more risk, but adding two missed payments to the end of a otherwise 100 % payment history loan seems to be as good of a deal as they can ask for.

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 2025-12-22 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 non-monetary relief
Consumer complaint received 2025-12-22 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$97.00} Inquiries XXXX  XXXX  Date : XX/XX/year> XXXX  XXXX Date : XX/XX/year> XXXX  XXXX Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year>

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 2025-12-22 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: NJ

Complaint narrative:
I am filing this complaint regarding hard inquiries that appear on my credit report without my authorization or consent. XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XXXX I did not apply for credit, services, or any permissible transactions with these companies, yet hard inquiries were placed on my credit file and are actively impacting my credit score. Under the Fair Credit Reporting Act, hard inquiries may only be placed when there is a valid permissible purpose. Reporting these inquiries without my written authorization violates 15 USC 1681b ( 2 ). In addition, the continued reporting of these inquiries reflects a failure to follow reasonable procedures to ensure maximum possible accuracy, as required under 15 USC 1681e ( b ). The presence of these inquiries is causing real financial harm and reflects negligence and noncompliance with federal consumer protection laws. Continued failure to resolve this issue may constitute willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 1681o. I am requesting that the CFPB intervene to ensure these hard inquiries are permanently removed.

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