vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I am writing to file a formal complaint against One Main Financial Company for repeated violations of the Fair Credit Reporting Act ( FCRA ) and for continued reporting of inaccurate and misleading tradeline information to the major consumer reporting agencies XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to resolve this matter, One Main Financial continues to report a derogatory tradeline on my credit report with a balance that is no longer valid. This tradeline should reflect a {$0.00} balance and be marked sold in accordance with federal credit reporting laws and XXXX XXXX XXXX data reporting standards. However, One Main Financial has failed to : Correct the tradeline following the sale or charge-off of the debt ; Update the status to reflect accurate ownership and balance ; Remove derogatory remarks that no longer apply ; Comply with proper data formatting as outlined in XXXX XXXX , including Field 17A ( Sold to Another Lender ), Field 21 ( showing {$0.00} balance ), and Field 11 ( Special Comment Code AU ). These failures have materially damaged my credit score, restricted access to financial opportunities, and caused emotional distress and economic harm. This conduct constitutes violations of : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy ; 15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct disputed information ; 15 U.S.C. 1681i : Failure to reasonably investigate consumer disputes. Additionally, this false and misleading reporting rises to the level of unfair and deceptive trade practices and warrants investigation under both federal and state consumer protection laws. I have also submitted a fraud report with the Federal Trade Commission and submitted copies to the Bureaus and One Main Financial to no avail response other than its been verified.

I affirm that this account was previously charged off and sold by Onemain to a third-party debt buyer or collection agency. I no longer owe Onemain any balance on this account, and Onemain has relinquished all ownership and legal interest in the debt. This account continually gets a status chage of closed to open to closed to open. Alos, never received a 1099c which is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-06-13 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: FL

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. ( XXXX XXXX XXXX XXXX  ) This account is related to a transaction and experience that falls under the EXCLUSION 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 ( XXXX XXXX XXXX XXXX ) 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 : ( 2 ) 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I disputed a debt with Transworld Systems in XX/XX/year>. Since then, they have refused to allow me to settle the debt unless I admit that I owe it. I offered {$150.00} to resolve the {$480.00} balance, but a representative told me they can not accept the offer unless I acknowledge that the debt is mine. 

This is a violation of : FDCPA Section 807 ( 15 USC 1692e ) for misrepresenting legal rights FDCPA Section 808 ( 15 USC 1692f ) for using unfair or coercive tactics FDCPA Section 809 ( b ) ( 15 USC 1692g ) if they continued collection without proper validation FCRA Section 623 ( a ) ( 3 ) if they are reporting the debt to credit bureaus without listing it as disputed I am trying to resolve this account without admitting liability, and I believe Transworld Systems is acting unfairly by tying settlement to forced admission. I request the CFPB to investigate their practices and ensure consumer rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n  1681c-2) that you, the XXXX  credit reporting agency, block information\n appearing on my consumer credit report that is the result of identity theft and fraud\n within 4 business days of you receiving this complaint. The following items do not\n belong to me and is a result of fraud that I did not authorize:\n Also, would like to have all addresses and names REMOVED from my credit report,\n except\n for my only name and address listed below:\n Name: XXXX XXXX Address: XXXX XXXX XXXX XXXX GA XXXX  ACCOUNTSXXXX XXXX XXXX XXXX Account Number: XXXX Date Opened: XXXX  XXXX, Balance:XXXX XXXX XXXX - Account Number: XXXX Date Opened: XXXX, Balance: XXXX XXXX XXXX XXXX Account Number: XXXX  Date Opened: XXXX XXXX Balance: XXXX XXXX XXXX XXXX Account Number: XXXX Date Opened: XXXX  Balance: XXXX XXXX XXXXXXXX XXXX  - Account Number: XXXX XXXX, Date Opened: XXXX Balance: XXXX XXXX XXXX  - Account Number: XXXX Date Opened: XXXX XXXX Balance: XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-13 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: FL

Complaint narrative:
Experian Consumer Disputes XXXX. XXXX XXXX XXXX, TX XXXX Subject : Identity TheftRequest for Removal of Fraudulent Account Dear Experian Consumer Disputes Team, I am writing to formally dispute an account fraudulently reported under my credit file. I recently discovered that an account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ) has been incorrectly attributed to me due to identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting immediate removal of this unauthorized account from my credit report.

Pursuant to 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information within four business days after receiving appropriate proof of identity theft. Additionally, under 15 U.S.C. 1681i, Experian must conduct a timely investigation to ensure the accuracy and integrity of the information reported.

I have enclosed the following documentation to support my request : A copy of my government-issued ID An Identity Theft Affidavit filed with the FTC A copy of my credit report highlighting the fraudulent account Please remove this account immediately and provide written confirmation that the deletion has been completed. Failure to comply with this request may result in further legal action in accordance with 15 U.S.C. 1681n for negligent noncompliance with the FCRA.

I appreciate your prompt attention to this matter.

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made XXXX payments of XXXX each to the wrong credit card. I paid this money to my brothers credit card and his account was closed. I realized my mistake and contacted BOA 3 days after the payments were processed. My brother XXXX XXXX has also spoken to BOA weekly on my behalf as it was his closed account that payments were made and processed. 
My payments were made on XX/XX/year>, XX/XX/year> XX/XX/year>. I have had to call BOA weekly since XX/XX/year> to request the return of my money. BOA returned XXXX to my checking account on XXXX XXXX and XXXX on XX/XX/year>. I called BOA again on XX/XX/year> asking when the last payment would be returned. 
The representative gave me the following response. BOA sent the payment but there was an error in the system. We will not be refunding the money. Maybe your brother can refund you the XXXX. I burst into tears at that point. 
This is theft on their part. Please help me get my final payment of XXXX Thank you, 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 monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: VT

Complaint narrative:
Issue is around my " My GM Rewards '' credit card issued jointly by GM XXXX and Marcus by Goldman Sachs have both been contacted on numerous occasions as to why I have not received the credit card rewards I was promised. In this gas spend {$1500.00} in gas purchases in the calendar year get {$100.00} statement credit. Below is my gas spending which has been confirmed by GM XXXX and Goldman Sachs but both continue to blame each other. 

XX/XX/year>2025 : {$19.00} XX/XX/year>2025 : {$300.00} XXXX 2025 : {$320.00} XXXX 2025 : {$480.00} XXXX : {$410.00} XXXX : {$180.00} TOTAL : {$1700.00} I brought to their attention in early XXXX I surpassed the {$1500.00} and it was not showing. They admit it but refuse to fix the issue going on over Month now. They are now in violation of their own terms of the credit card and rewards program as to when the {$100.00} statement credit should be paid out by now. They refuse to direct me to a supervisor or manager or call me back. THESE MULTI XXXX DOLLAR COMPANIES ARE EITHER INCOMPETENT OR COMMITTING FRAUD!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : DOE XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I applied for a credit card through Chase Bank. I was denied due to already having a sapphire card with them however, I do not and have not open a card with Chase bank. I call Chase Bank and inquired about the already open card. They advised me it was open in 2022. I spoke to their security team and asked for information on if the card was still active the address it was sent to, however they would not provide me with any information in regards to the card even after providing my social and my address and all identifying information. I was told to push through the application because they didnt see one on file and when I did that, I receive a hard inquiry, even though I have a screenshot stating that it was declined due to not being able to have two cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Have disputed many times with Equifax accounts discharged in bankruptcy that are listed as open or charged-off.

Company response to consumer: Closed with explanation