vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against OneMain Financial due to their unfair handling of my auto loan account, which has directly impacted my financial well-being and credit access.

I took out a loan with OneMain Financial over two years ago for the purchase of a vehicle. I have consistently made on-time payments and remained in good standing. Unfortunately, my vehicle was stolen and later recovered, but it was returned to me in a damaged and undriveable condition. Despite notifying OneMain Financial of the situation and continuing to make payments, my loan balance has not changed in over six months, even though I have paid consistently.

This situation has left me in an impossible position : I have no reliable transportation due to the condition of the vehicle.

I am unable to purchase a replacement vehicle because OneMain continues to report the loan at an inflated or stagnant balance.

My credit utilization and debt-to-income ratio are negatively affected, through no fault of my own.

I believe this constitutes unfair loan servicing practices and potential misreporting to the credit bureaus, as my payments should be reflected in a reduced loan balance. I have made multiple attempts to communicate with OneMain to resolve this, but I have received no satisfactory explanation or correction.

I am requesting the following actions : A full investigation into OneMains handling of my loan, including why my balance has not decreased despite regular payments.

Accurate reporting of my loan balance and payment history to all three credit bureaus.

Any necessary regulatory action to address these deceptive or negligent practices.

I have attached relevant documentation, including my payment history and a report of the vehicle theft.

Thank you for your attention to this matter. I look forward to a prompt and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that the TransUnion credit reporting agency block the following fraudulent accounts from my consumer credit file within four business days : XXXX XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX  opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXXXXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX  opened XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX These accounts were not authorized by me and are the result of identity theft. I did not apply for, initiate, or benefit from any of the above accounts. I have attached a copy of my consumer credit report showing the fraudulent entries, along with a valid FTC Identity Theft Report # ( private case number ) to support my identity theft claim.

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 2025-06-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Several derogatory accounts were reported on my credit report by XXXX XXXX XXXX XXXX XXXX, a credit collector for XXXX, and XXXX XXXX. The accounts were reported as charge-offs, profit and loss write-offs, or collections, with the most recent reporting dates being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I reviewed my credit report and found these accounts to be inaccurate, unverifiable, or lacking proper supporting documentation, such as an IRS Form 1099-C for the charge-off accounts. On XXXX XXXX XXXX I sent written dispute letters to all three major credit bureaus ( Experian, TransUnion, and Equifax ) requesting a full investigation and asking for original signed agreements and, where applicable, proof of 1099-C issuance for the debts reported as charged off or written off. 
I requested that any account that could not be properly verified with this documentation be blocked and deleted from my credit report in accordance with the Fair Credit Reporting Act. As of the date of this complaint, I have not received the requested documentation or a satisfactory response from the credit bureaus or the companies furnishing the information. 
I am seeking the removal of any unverifiable or inaccurately reported account information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Several derogatory accounts were reported on my credit report by XXXX XXXX XXXX XXXX XXXX, a credit collector for XXXX, and XXXX XXXX. The accounts were reported as charge-offs, profit and loss write-offs, or collections, with the most recent reporting dates being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I reviewed my credit report and found these accounts to be inaccurate, unverifiable, or lacking proper supporting documentation, such as an IRS Form 1099-C for the charge-off accounts. On XXXX XXXX XXXX I sent written dispute letters to all three major credit bureaus ( Experian, TransUnion, and Equifax ) requesting a full investigation and asking for original signed agreements and, where applicable, proof of 1099-C issuance for the debts reported as charged off or written off. 
I requested that any account that could not be properly verified with this documentation be blocked and deleted from my credit report in accordance with the Fair Credit Reporting Act. As of the date of this complaint, I have not received the requested documentation or a satisfactory response from the credit bureaus or the companies furnishing the information. 
I am seeking the removal of any unverifiable or inaccurately reported account information 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 2025-06-19 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: CO

Complaint narrative:
Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

This account has violated my rights.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete the item listed above. You are required to do what i am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX'To Whom It May Concern,XXXXXXXXI am formally disputing the accuracy and validity of a charged-off revolving account reported on my credit report under account number XXXX, showing a past due balance of XXXX originally opened on XXXX XXXX XXXX  and currently listed as Closed/Charge-Off.\n\n NOTICE OF VIOLATIONS OF FEDERAL LAW\nYou are in violation of multiple federal statutes, including the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA):\n\n 1. No Notice of Debt Within 5 Days (15 U.S.C.  1692g(a))\nAt no point did I receive a legally required written notice regarding this alleged debt within 5 days of your initial communication or reporting activity. You are in violation of 15 U.S.C.  1692g(a), which mandates that debt collectors provide written notice of:\n\nThe amount of the debt,XXXXThe name of the creditor,XXXXMy right to dispute the debt within 30 days.\n\n 2. No Validation of Debt (15 U.S.C.  1692g(b))\nI dispute this alleged debt in full and demand proper debt validation under the FDCPA. This includes:\n\nOriginal signed credit agreement,\n\nFull account history and charge-off details,\n\nItemized statement of the alleged debt,\n\nChain of ownership or assignment if this account was sold or transferred.\n\nUntil this is provided, you must cease collection efforts and credit reporting under lawXXXX  3. Inaccurate & Unverified Reporting (15 U.S.C.  1681e(b), 1681s-2(b))XXXXThe credit bureaus are required to report only accurate and fully verifiable information. Reporting a charged-off account without verifying the accuracy of all reported details (payment history, charge-off date, amount, balance updates) is a violation of FCRA.\n\n 4. Cease and Desist Communication (15 U.S.C.  1692c(c))\nUnder the FDCPA, I now demand that you cease all communication with me, except to provide validation of the alleged debt or notification of cessation of collection activity. Continued contact will be treated as harassment and a direct FDCPA violation.\n\n\nBalanceXXXXBalance updatedXXXX XXXX XXXXCredit limit\XXXXAccount info\n\nAccount number\nXXXXOpen/closed\nClosed\n\nDate openedXXXX XXXX XXXXAccount type\nRevolving\nPayment summary\XXXXPAYMENT HISTORY LEGEND\n\nStatus\nCharge-off\n\nStatus updated\nXXXX XXXX XXXX XXXXighest balance\n-\n\nMonthly payment\n-\nLast payment date\nXXXX XXXX XXXXAdditional info\n\nResponsibility\nIndividual Account\n\nTerms\n-\n\nCompany sold\n-\n\nOriginal creditor\n-\n\nComments\nCHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Savvy Money, Inc.
State: LA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, 15U.S.C.1681i, I am writing to dispute the following inaccurate information in my XXXX  credit file : Item Description Reason It's Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis company is reporting inaccurate information on my credit reports. Date opened, credit limit, date of last activity is all inaccurate on my XXXX, XXXX  and XXXX  Report I enclose copies of supporting documents ( e.g., statements, receipts ). Please conduct a reasonable reinvestigation and delete or correct the inaccurate items, as required under FCRA 611 ( a ) ( 12 ) .I also request written confirmation that these corrections will be made and that updated consumer reports will be distributed to any parties If XXXX , XXXX  and XXXX  fails to properly investigate, I will file a complaint with the Consumer Financial Protection Bureau and consider legal action to enforce my rights. 

Thank you for your prompt attention. I expect your written response within 30 days of receipt of this letter, as mandated by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.

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 2025-06-19 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:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that the Equifax credit reporting agency block the following fraudulent accounts from my consumer credit file within four business days : XXXX XXXX  XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX These accounts were not authorized by me and are the result of identity theft. I did not apply for, initiate, or benefit from any of the above accounts. I have attached a copy of my consumer credit report showing the fraudulent entries, along with a valid FTC Identity Theft Report # ( private case number ) to support my identity theft claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute any and all debts that have been reported to your agency by [ Collection Agency Name ]. I am also revoking their right to communicate with me via email, text, or phone calls. 

I request a full validation of the debt, including the purchase agreement between the collection agency and the original creditor. Additionally, I ask that they provide proof that they are licensed and bonded to collect debts in my state. 

In support of this request, I am citing the following laws : 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( d ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 15 USC 1681s-2 ( 7 ) ( A ) Thank you for your prompt attention to this matter. I look forward to your confirmation that the requested information has been provided and that all communication from the collection agency will cease unless it is in compliance with the laws cited above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}

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 non-monetary relief
Consumer complaint received 2025-06-19 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 am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 non-monetary relief
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, 15U.S.C.1681i, I am writing to dispute the following inaccurate information in my XXXX, XXXX  and XXXX  credit file : Item Description Reason It's Inaccurate XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX. These companies are reporting inaccurate information on my credit reports. Date opened, credit limit, date of last activity is all inaccurate on my XXXX, XXXX  and XXXX  Report I enclose copies of supporting documents ( e.g., statements, receipts ). Please conduct a reasonable reinvestigation and delete or correct the inaccurate items, as required under FCRA 611 ( a ) ( 12 ) .I also request written confirmation that these corrections will be made and that updated consumer reports will be distributed to any parties If XXXX  , XXXX  and XXXX  fails to properly investigate, I will file a complaint with the Consumer Financial Protection Bureau and consider legal action to enforce my rights. 

Thank you for your prompt attention. I expect your written response within 30 days of receipt of this letter, as mandated by FCRA.

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