vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: AZ

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, submit this complaint to the Consumer Financial Protection Bureau requesting an immediate investigation into Experian, TransUnion, and Equifax ( the nationwide consumer reporting agencies ) for false and inaccurate credit reporting, failure to properly investigate disputed accounts, and unsafe and unfair practices related to the sale and monetization of unverifiable consumer data. 

Allegations Against Credit Reporting Agencies ( CRAs ) All three CRAs continue to report false, inaccurate, and unverifiable accounts despite my submitting multiple disputes with supporting documentation.

The CRAs have failed to conduct lawful and reasonable reinvestigations as required by 15 U.S.C. 1681i ( FCRA ).

They have failed to ensure the maximum possible accuracy of the information they report, as required by 15 U.S.C. 1681e ( b ). 

The ongoing reporting and sale of these false tradelines constitutes unsafe and unfair practices, and has caused me financial loss, reputational harm, and emotional distress. 

Fraudulent Accounts and Evidence of Misconduct U.S. Bank ( Mortgage Account ) Reported mortgage loan reflects no consideration and is supported only by inconsistent and unreliable documentation. 

Lack of proof of lawful funding and contradictory records suggest fraudulent reporting. 

XXXX XXXX XXXX ( Auto Loan ) Furnisher reported an auto loan and repossession despite having no consideration to support the alleged debt. 

Submitted documents show signs of forgery of a government document. 

Vehicle Purchase / Repossession Entities tied to the purchase and repossession of my vehicle acted with forged documents and no lawful authority, which constitutes fraud and unlawful repossession practices. 

Ongoing Harm My credit reports with Experian, TransUnion, and Equifax continue to contain false, unverifiable, and fraudulent accounts. 

Unauthorized inquiries, inaccurate addresses, and phone numbers remain despite disputes. 

This reporting has denied me fair access to credit, damaged my financial standing, and disrupted my personal peace and well-being. 

Legal Basis Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : 1681i Failure to reinvestigate disputed information. 

1681e ( b ) Failure to ensure maximum possible accuracy.

1681s-2 Furnishers providing information known to be inaccurate.

Unfair and deceptive acts and practices, in violation of federal consumer protection laws. 

Forgery and fraudulent records potentially implicating criminal statutes including 18 U.S.C. 1028, 1028A.

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 2025-09-22 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: AZ

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, submit this complaint to the Consumer Financial Protection Bureau requesting an immediate investigation into Experian, TransUnion, and Equifax ( the nationwide consumer reporting agencies ) for false and inaccurate credit reporting, failure to properly investigate disputed accounts, and unsafe and unfair practices related to the sale and monetization of unverifiable consumer data. 

Allegations Against Credit Reporting Agencies ( CRAs ) All three CRAs continue to report false, inaccurate, and unverifiable accounts despite my submitting multiple disputes with supporting documentation.

The CRAs have failed to conduct lawful and reasonable reinvestigations as required by 15 U.S.C. 1681i ( FCRA ).

They have failed to ensure the maximum possible accuracy of the information they report, as required by 15 U.S.C. 1681e ( b ). 

The ongoing reporting and sale of these false tradelines constitutes unsafe and unfair practices, and has caused me financial loss, reputational harm, and emotional distress. 

Fraudulent Accounts and Evidence of Misconduct U.S. Bank ( Mortgage Account ) Reported mortgage loan reflects no consideration and is supported only by inconsistent and unreliable documentation. 

Lack of proof of lawful funding and contradictory records suggest fraudulent reporting. 

XXXX XXXX XXXX ( Auto Loan ) Furnisher reported an auto loan and repossession despite having no consideration to support the alleged debt. 

Submitted documents show signs of forgery of a government document. 

Vehicle Purchase / Repossession Entities tied to the purchase and repossession of my vehicle acted with forged documents and no lawful authority, which constitutes fraud and unlawful repossession practices. 

Ongoing Harm My credit reports with Experian, TransUnion, and Equifax continue to contain false, unverifiable, and fraudulent accounts. 

Unauthorized inquiries, inaccurate addresses, and phone numbers remain despite disputes. 

This reporting has denied me fair access to credit, damaged my financial standing, and disrupted my personal peace and well-being. 

Legal Basis Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : 1681i Failure to reinvestigate disputed information. 

1681e ( b ) Failure to ensure maximum possible accuracy.

1681s-2 Furnishers providing information known to be inaccurate.

Unfair and deceptive acts and practices, in violation of federal consumer protection laws. 

Forgery and fraudulent records potentially implicating criminal statutes including 18 U.S.C. 1028, 1028A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is in the middle of pending litigation. Because this matter is actively being challenged in court, and the outcome is still undetermined, the reporting of this account is not only premature it is legally and factually inaccurate. 

You are reporting this account as if its valid and resolved, when in reality, its status is far from settled. I am currently pursuing legal action regarding this account, and until that process is concluded, you can not truthfully or accurately report this information without misrepresenting my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is accurate, complete, and not misleading. Reporting a disputed account as factually correct while litigation is still pending is a violation of that responsibility. The presence of this account on my report creates a false and damaging impression of my financial standing and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
on XX/XX/year>, I borrowed a personal loan from Onemain financial in the amount of XXXX. They offered insurance in which i most likely denied because it wasn't really making any sense ; however they manage to convinced me to take the home and auto and XXXX XXXX XXXX, then when I checked my document I saw single XXXX insurance which was very confusing so I later cancel before the deadline date. I ask them to send me those cancelled document but I never received them. Apart from that I saw document that was not properly explained and signature that I did not give concent to sign.I later stop the payment because I don't know what I am paying for in which they repo my car that I used as collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
Applied for card ~ 2 weeks ago. Creditor approved and sent plastic, but a {$95.00} deposited was required. Called total visa on XX/XX/year> to confirm if deposits was paid and card activated on XX/XX/year> it would be available for use, which agent agreed. After call I paid the {$95.00} fee via debit card and waited ~30 minutes as suggested by their website before activating. Upon activation Total Visa provided my credit line of {$400.00}. I attempted to pay an urgent energy bill immediately with the card and was declined. When I called total visa I spoke to supervisor Ver, operator ID XXXX, who advised there was an annual fee of {$100.00} charged to the card, making my available credit only {$300.00}. My attempted charge was ~ {$310.00}. Fee explained that the annual fee was unposted to my balance, but impacting my available credit, and explained that even if I paid the {$100.00} today via debit, I would not have access to my {$400.00} credit line until my statement cycles in 3-4 weeks. 

Total visa failed to remind/advise of annual fee at point of activation, and deceivingly advertised available credit at point of activation. Had I known this full credit line would not be available immediately, I would not have finalized the agreement and not completed set up of the account. Total Visa used deceiving and unethical practices against me to coerce me into completing account set up, while not allowing me full access to the funds which they stated. 

Total Visa has now impacted not just my credit but the livelihood of myself and my family by failing to provide the credit product they advertised, and offered me option to resolve when I spoke with them, refusing to refer me to another department, manager, or escalated specialist. When speaking with XXXX she stated I would have to call back in and speak to another supervisor at the same level, and offered no alternative source to escalate my concern, despite my advising that would be left to resolve via regulatory and consumer protection means.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this formal dispute regarding multiple inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 609 ( a ), 611, and 604. These errors have caused significant financial harm, unjust denials of credit, and emotional distress. I demand immediate correction, validation, or removal of the following accounts and inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC, XXXX Wrong Address These addresses are incorrectly reported on my credit file. I have never resided at these locations. Misreporting addresses not only breaches FCRA Section 609 ( a ) but also exposes me to potential identity theft and limits my ability to verify my own credit history. This repeated inaccuracy suggests systemic negligence or willful misreporting by the credit reporting agency, which has caused undue stress, confusion, and financial disadvantage in obtaining housing and credit. 
XXXX XXXX XXXX XXXXXXXX, Open Date : XX/XX/XXXX, High Credit : {$0.00} Charge Off This account was fully paid and settled years ago, yet it is being reported as a charge-off. Reporting a XXXX balance account as charged off is a material inaccuracy under FCRA Section 609 ( a ) and 611. This misreporting has directly harmed my creditworthiness, causing applications for loans and other financial services to be unjustly denied. The repeated denial of credit, along with the inaccurate reporting, constitutes both a violation of my rights and economic harm that must be rectified immediately. 
XXXX XXXX, Open Date : XX/XX/XXXX, High Credit : {$0.00} Charge Off This account is incorrectly reported as a charge-off. I have never been delinquent on this account, and the creditor should verify that the balance is {$0.00}. The reporting of a charge-off where none exists is a direct violation of FCRA Section 609 ( a ) and 611 and has materially impacted my ability to access credit and other financial services. 
XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Unpaid Balance : {$630.00} Collection This account is being reported as an unpaid collection. I dispute the validity of this account and the balance reported. I have never been properly notified about this alleged debt, and the reporting agency has failed to verify it as required under FCRA Section 611. Reporting an unverified or incorrect collection account causes undue financial stress, harms my creditworthiness, and is a material inaccuracy under federal law. 
I request that each of the above accounts and inquiries be thoroughly investigated, validated, and corrected or removed from my credit report immediately. Failure to comply constitutes a violation of federal law and may result in legal action. I am providing supporting documentation to substantiate my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a check for {$24000.00} at BANK OF AMERICA. The check is from the Department of Treasury. Bank of America closed my checking account since they suspected the check is fraudalent. Bank of America received the funds from the Department of Treasury since the check is legit. Bank of America continues to hold the funds since about XX/XX/2025. A Bank of America employee told me they don't have a time frame of when they will return the funds.

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 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
XXXX writing regarding my closed-end loan ( Application # XXXX ; Funding Date XX/XX/XXXX ; original principal {$150000.00} ). 

After reviewing my XXXX XXXX, I do not see any term authorizing daily interest. The contract specifies simple interest at XXXX XXXX  per year, accruing from the date funds are advanced ( see XXXX paragraph on page XXXX ). It also discloses a fixed monthly payment schedule and finance charge assumptions based on on-time monthly payments, not daily accrual or daily compounding. 

Despite this, my statements indicate interest is being accrued daily, and my principal reduction is inconsistent with the agreement : Original principal : {$150000.00} Total payments made since XX/XX/XXXX until XX/XX/XXXX : {$26000.00} Current principal shown XX/XX/XXXX : {$150000.00} Given the amount Ive paid, a principal decline of only ~ {$540.00} suggests interest is being calculated in a manner not described in the contract. The agreement also notes that if payments are late, additional interest accrues on overdue amounts, but it still references the same annual rate and does not authorize daily interest.

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 2025-09-22 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: TX

Complaint narrative:
XXXX writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act. 

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there. 

As a consumer, I am exercising my legal right under federal law to demand that this inaccurate tradeline be removed in full. If you can not ensure that every detail balance, status, dates, payment history, and ownership is correct and fully substantiated, then it must be deleted. Reporting anything less than 100 % accurate information is a direct violation of your obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have automatic payments scheduled through my bank account I pay XXXX of the XXXX for the next month and the balance on the XXXX making me whole for the month. The issue is for my payment due XX/XX/XXXX my bank sent it a few days early ( XX/XX/XXXX ) SO the mortgage company took it as an extra payment and not the payment due on the XXXX so it was applied to principal only. A few days ago I received a email stating my payment was past due which it was not. So I called to fix the problem which they put a request to do. 

But the problem is theyre saying they cant wave the late fee because this is the second time this happened, and they can only wave one. But I have NEVER had a late payment. They just applied my payment incorrectly towards principal only. This is not my fault. I can show all of my statements from my bank and the mortgage company to prove that I have never made a late payment. The fact that they can hold me liable for their mistake is complete nonsense.

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 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been wrongfully added to my credit report. These accounts are not mine, were never authorized by me, and have no legitimate connection to my identity. Their presence has caused significant harm by misrepresenting my financial record and damaging my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NY

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 2025-09-22 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: Experian Information Solutions Inc.
State: GA

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