vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: OneMain Finance Corporation
State: AL

Complaint narrative:
my credit report show MULTIPLE credit inquries that i did not authorized. 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

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 XXXX 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-08 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: LA

Complaint narrative:
Their investigation did not fix error on your 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 2025-09-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Their investigation did not fix error on your report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I returned a vehicle purchased from XXXX XXXX XXXX XXXX on XX/XX/year>, under their return policy and received a {$12000.00} refund. The auto loan for {$8400.00}, financed through Bank of America, was never canceled. Despite the return of the vehicle and refund, Bank of America continues to report the loan as open and delinquent on my credit report. This is false, harmful, and a direct violation of the Fair Credit Reporting Act ( FCRA ). I previously filed a dispute with XXXX, which was incorrectly verified. I am demanding Bank of America immediately update the account to reflect a {$0.00} balance and closed status. If unresolved, I will pursue legal action under FCRA for willful noncompliance.

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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been added to my credit report without my knowledge or authorization. These accounts are not mine, and their reporting is both false and damaging to my financial reputation.

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 2025-09-08 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: IL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 entry is mistaken and undermines my history of responsible payments. Please update it accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Opened Citi XXXX XXXX credit and was approved. Then received card in the mail and activated card, card stated it is locked. Unable to make any purchases with card but annual fee of XXXX posted anyways. Citi requiring 4056-c form mailed back to them and have also locked my other two cards as well. Citi is threatening to close all cards if form not sent within 30 days. May also not be able to meet spend requirement if lock remains in place for several months. This is unfair and predatory practice, trying to get myself to pay a high fee on a card just opened and now locked before any spend could occur.

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 2025-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sulphur Bank Rancheria Enterprises
State: NY

Complaint narrative:
I already reply back ( refuce to pay ) and they still continue to send emails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AL

Complaint narrative:
My identity was stolen and fraudulent accounts were opened. Please remove within four business days.

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 2025-09-08 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: LA

Complaint narrative:
Dear CFPB and Credit Reporting Agencies, I am writing to formally dispute a collection account that has recently appeared on my credit report from XXXX XXXX XXXX XXXX in the amount of {$600.00}. 

I want to be clear and sincere when I say : I have no knowledge or recollection of ever incurring this debt. I am deeply concerned that it may be the result of an error, misidentification, or possible fraud. This account is not mine. 

I take my credit, identity, and financial integrity very seriously. This unexpected and unfamiliar collection has caused me considerable stress and concern, especially because it does not reflect my actual financial history or obligations. As someone who works hard to maintain good standing, it is heartbreaking to see my credit impacted by something I did not authorize or recognize. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that this account be investigated and permanently removed from my credit report if it can not be verified with sufficient and accurate evidence. I also ask that XXXX XXXX XXXX XXXX provide full documentation proving that this debt is legitimately mineif such documentation exists. 

Please consider this letter a formal dispute of this account, and an earnest appeal for assistance in resolving this matter fairly Thank you for your time, your attention to this issue, and for protecting the integrity of consumer financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: FL

Complaint narrative:
Subject : Obstructive and Unreasonable Barriers in Accessing and Disputing CLUE Report from LexisNexis I am filing this complaint against LexisNexis Risk Solutions regarding the intentionally convoluted and obstructive process they impose to access and dispute consumer CLUE ( Comprehensive Loss Underwriting Exchange ) reports. 

After requesting my CLUE report, I received a vague letter stating my account could not be found and demanding additional sensitive documentation ( including copies of my Social Security card, government-issued ID, and proof of address ). Even after providing all requested documentation, LexisNexis continued to reject my authentication without justification multiple times. 

Eventually, they provided a PIN and a link to access the report, but the link did not work. Their automated phone system is deliberately vague and designed to prevent contact with a live agent. After jumping through multiple hoops, I finally spoke with someone who told me they would send the report by physical mail only, which would take XXXX business days. 

This entire process is highly inefficient, intentionally burdensome, and raises serious consumer rights concerns. The system appears to be structured to discourage consumers from accessing or disputing their data, allowing inaccurate or outdated insurance claims ( in my case, minor windshield repairs from over XXXX years ago ) to remain on record directly impacting insurance premiums unfairly. 

It is unacceptable that such a critical consumer reporting agency refuses to offer email access, secure online disputes, or timely support, especially when inaccurate data can have financial consequences. 

I urge the CFPB and BBB to investigate whether LexisNexis is engaging in practices that violate the Fair Credit Reporting Act ( FCRA ) and whether its current procedures represent a systemic pattern of consumer data obstruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
Equifax continues to report inaccurate and unverifiable information on my credit file, despite multiple disputes and documentary proof. These inaccuracies are harming my credit score and violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 
Accounts/ Items in Dispute * XXXX XXXX Account Ending in XXXX Facts : XXXX XXXX  confirmed in writing that this account was paid in full and closed in XX/XX/XXXX, with only two late payments in XXXX. Equifax is falsely reporting late payments in XXXX and XXXX of XXXX after the account was closed. 

Violation : Reporting delinquencies after closure violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and Metro 2 standards prohibiting payment history beyond closure. 

Evidence : XXXX  and XXXX  do not show these false XXXX late payments. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX : Equifax reports a bankruptcy entry but omits the case number and proper court identifiers. 

Violation : Incomplete reporting violates FCRA 1681e ( b ), which requires reasonable procedures to ensure accuracy. 

XXXX/ XXXX  Facts : Account was closed XX/XX/XXXX, paid as agreed. Equifax continues to code it with derogatory/charge-off remarks. 

Evidence : XXXX shows Paid/Closed as agreed. 

Violation : XXXX XXXX requires closure coding ( CLO ) when no loss occurred, not derogatory coding. 

Revolving Accounts ( XXXX XXXX XXXX XXXX XXXX ) Facts : Equifax reports High Credit = Credit Limit instead of actual usage, inflating utilization and misrepresenting my credit profile. 

Evidence : TransUnion and Experian report correct high balances.

Violation : Misleading reporting violates FCRA 1681e ( b ).

Laws Violated FCRA 1681i failure to properly investigate and correct inaccuracies.

FCRA 1681e ( b ) failure to maintain reasonable procedures for accuracy.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) reporting information known to be inaccurate. 

XXXX XXXX Reporting Standards improper coding of closed and revolving accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchony Bank, XXXX XXXX XXXX XXXX PA XXXX increased Fees to 34.9 % and 29.99 % without my knowledge. I did not get the statements! 

In addition XXXX did not tell me that this will happen if I open up a credit card with Synchony Bank XXXX 

I will wish to settle minus Fees and Interest Rate. 

This is predatory lending scheme!

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 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third 's assertion that the payment for XXXX was paid in full beyond the 30 day requirement to prevent reporting to credit agencies was not received within 30 days of the due date is false. By Fifth Third 's own acknowledgment, the XXXX XXXX, 2025 payment was received on XX/XX/2025 which is precisely 30 days from XX/XX/XXXX. Also, * two payments of {$1100.00} each * were received by Fifth Third : 1 on or about XXXX, and the other on XX/XX/2025. The regular payment amount {$2100.00}. The late fee was in dispute, however, I went back in on the XXXX day and added XXXX to avoid any disputes that full payment was received within * 30 days. * Fifth Third records interactions, so I'm aware that they have record of the phone call between myself and the mortgage supervisor where he tells me specifically that a delinquent payment would be reported if not received by " XX/XX/XXXX ''. 
Further, the bank continues to taut a refund of the * late charge * ( which we continue to maintain was caused by bank negligence in its communication and should not have been charge to begin with ) * * * has not * * * been refunded to my account. 
* * Thirty days from XX/XX/XXXX is XX/XX/XXXX * *

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 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: OH

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-08 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
VIOLATIONS OF THE GRAMM-LEACH-BLILEY ACT LAW : Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. Section 6801-6809, Section 6821-6827 requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Subtitle B of Title V ( 15 U.S.C. Section 6821 et seq. ) prohibits obtaining customer information of a financial institution by false pretenses. The FTC enforces these provisions with regard to entities not specifically assigned by the provision to the Federal banking agencies or other regulators. DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCLUDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, FCRA Setion605 ( c ), Section 611 Part ( A ) ( 1 ). This COMPLAINT IS NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.C. 1681n, Commercial law. INACCURACIES AND HISTORIAL CONTEXT.

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