vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: OneMain Finance Corporation
State: VT

Complaint narrative:
This is a follow-up complaint because OneMain Financial continues to furnish and verify a fraudulent account even after receiving a valid FTC Identity Theft Report and all documentation required under FCRA 605B. 

I previously filed CFPB XXXX # XXXX on XX/XX/year> regarding this same fraudulent OneMain account. I provided : My full legal name My current address The last four digits of my SSN A valid FTC Identity Theft Report Under FCRA 605B, OneMain was required to block and permanently delete this fraudulent account within four business days. They refused to do so and are still reporting it. 

In the companys written response dated XX/XX/year>, OneMain admitted the following : They will continue reporting the account, despite identity theft documentation ( page 2 ).

They refuse to delete the account ( page 2 ).

They demanded additional documentation such as a notarized affidavit, photo ID, utility bills, and a police report ( page 2 ). These documents are prohibited under FCRA 605B ( a ) ( 2 ).

They falsely claimed that their own investigators determined the loan is not fraudulent even though 605B does not allow a furnisher to verify identity theft accounts once a valid FTC report is submitted.

These actions violate : FCRA 605B failure to block and delete within four business days FCRA 623 ( a ) ( 6 ) continuing to furnish fraudulent information after notice FCRA 623 ( a ) ( 8 ) improper handling of identity theft disputes FCRA 1681s-2 ( b ) unlawful reinvestigation and continued verification UDAAP ( 12 U.S.C. 5531, 5536 ) unfair and deceptive practices In addition, the XXXX XXXX XXXX  XXXX XXXX has opened XXXX # XXXX and forwarded this case directly to OneMain for state review, yet the company is still reporting the fraudulent account to the credit bureaus. 

I am requesting CFPB escalation and enforcement action to require OneMain Financial to : 1. Immediately and permanently delete the fraudulent account under 605B 2. Stop all furnishing of this account to every credit bureau 3. Stop demanding illegal documents such as IDs, utility bills, or police reports 4. Provide written confirmation that no reinsertion will occur under 611 ( a ) ( 5 ) ( B ) Attachments included : OneMains XX/XX/year> response letter showing prohibited documentation demands and refusal to delete the account CFPB prior case # XXXX XXXX  XXXX acknowledgment ( File # XXXX ) FTC Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
I am disputing this account because the balance and status being reported are inaccurate. I settled this debt on XX/XX/year> for {$1300.00}, and the creditor confirmed that they would update the account and report the XXXX balance within XXXX business days. As of XX/XX/year>, the account is still reporting as charged off with the original balance, which is incorrect and misleading. 
Please update the reporting to reflect a {$0.00} balance and settled status, or remove the tradeline entirely if the furnisher is unable to accurately verify the current information

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
My car was repossessed while at work ( Florida ) on XX/XX/year>. The repo company sent a letter to my job dated XX/XX/year> stating the belongings that they inventoried from my car and that they repossessed it at the request of the lien holder. This has jeopardized my job. This is illegal. They had my home address and phone number so it should not have been sent to my job for my employer to know. The repossession company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The XXXX holder is Bridgecrest XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TN

Complaint narrative:
I did a mobile check deposit with US Bank on XXXX  XX/XX/XXXX. Their app stated the funds will be deposited on Monday, XX/XX/XXXX. As of XXXX, XX/XX/XXXX, the funds were not deposited. I called to inquire. They told me there was an IT issue and the funds will be deposited the evening of XX/XX/XXXX. 
This morning, I found the funds were not transferred. I called them again and they say the check will be declined tonight ( due to their IT issue ) and I will need to re-upload tomorrow. 
This means, best case scenario, the funds will be there on XX/XX/XXXX ( XXXX week after they are supposed to be there ). 

I am trying to run a small business and cash flow has to run to pay my team. For a bank the size of US Bank to drag their feet this long is unacceptable. 

Now that I signed the check is a mobile deposit, I can not take to a local bank to cash. 

This is wrong. Please help.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I booked with XXXX for {$390.00} for a vacation stay for XXXX. Due to the government shut down my flight was canceled so I canceled my XXXX reservations. The people over at XXXX do not want to give a refund, so I contacted cashapp the debit card I used to book reservations was my Cashapp card. I contacted cashapp to file a dispute with them, I provided evidences and receipts and they still denied the dispute claiming I received the service, when I never did and have proof of my flight cancellation and reservation cancellation. CASHAPP DENIED THE DISPUTE, does not want to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  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 XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  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, XXXX XXXX XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-13 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  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 XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  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, XXXX XXXX XXXX  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 2025-11-13 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: GA

Complaint narrative:
I am writing to formally dispute specific accounts, inquiries, and late payment information listed on my credit reports with the XXXX major credit bureaus. Below, I have outlined the details of the disputed information, separated by bureau. 
Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$35.00} RENTRECOVERYSOLUTIONS Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} Inquiries : XXXX PLACE FOR Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX VIVA XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-13 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: NC

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 2025-11-13 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: NC

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-13 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I have notified this company as well as the credit reporting agencies that this is not a valid account opened by me. I have also requested written evidence of it being opened by me if they contend I did open it. To-date no evidence has been submitted to me by the bank nor XXXX XXXX XXXX Equifax. This need to be removed from my credit history immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Experian XXXX XXXX XXXX XXXX, TX, XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA.

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-11-13 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: NC

Complaint narrative:
I am submitting this complaint because the following information being reported by Equifax is inaccurate and harming my credit. I am simply trying to fix my credit and I am requesting a full investigation and correction. 

CHARGED-OFF ACCOUNTS UNDER DISPUTE XXXX XXXX XXXX Acct : XXXX XXXX : XX/XX/XXXX Bal : XXXX XXXX  Acct : XXXX Open : XX/XX/XXXX Bal : XXXX XXXX XXXX Acct : XXXX Open : XX/XX/XXXX Bal : 0 These accounts have reporting inconsistencies between the other bureaus and/or contain incomplete or unverifiable data. I am asking for a proper reinvestigation. 

INQUIRIES None reported, but I want to ensure no unauthorized inquiries exist. 

LATE PAYMENTS The following late payments are being reported inaccurately or without proper validation : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I request verification of these late payments, including the exact dates, billing statements, and proof of delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding LVNV Funding LLC ( XXXX ID XXXX ) and their attempts to collect and report a fraudulent debt in my name allegedly originating from XXXX Bank. The alleged debt amount is {$410.00}. 
I have never opened or authorized any account with XXXX Bank. Despite this, LVNV Funding has reported the account to XXXX XXXX XXXX XXXX. I have requested validation of the debt under 15 U.S.C. 1692g ( FDCPA ), but no proof has been provided that LVNV Funding purchased or owns this debt. 
Further, my research indicates that LVNV Funding LLC does not hold a valid debt collection license in the State of Tennessee, where I have lived since 2020. This means they are not legally authorized to collect debts in my state. 
A fraud alert has already been placed on my credit reports through Experian, TransUnion, and Equifax. However, this unverified account continues to appear, damaging my credit standing and causing undue stress.I respectfully request that the CFPB investigate this matter, ensure the removal of this fraudulent account from all three credit bureaus, and take enforcement action against LVNV Funding LLC for potential violations of the FDCPA and FCRA. All of this can me subject to paying me and also a hefty fine for not abiding by the XXXX! Remove this from all credit reporting agencies now! 

Sincerely, XXXX XXXX XXXX, Tennessee

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-13 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: CA

Complaint narrative:
I am disputing the following accounts on my Equifax credit report, which contain discrepancies in the reporting of charged-off accounts and late payments. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2300.00} Late Payments : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MI

Complaint narrative:
Confirm removal of disputed accounts in compliance with legal time requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
CFPB, I am submitting this inquiry regarding my loan with Bright Lending. Before anything else, I want to express my appreciation for the assistance and flexibility Bright Lending has already shown me throughout my loan experience. I recognize that they have their own policies, procedures, and limitations, and I am not disputing or challenging anything they have done. 

I am simply reaching out to request whether Bright Lending might be willing to consider forgiving the remaining balance on my account. I am currently facing financial hardship, and even though I have done my best to stay on track, the remaining balance has become difficult for me to manage. I am asking if the CFPB could kindly forward this request so the company can review my situation. 

This is not a complaint against Bright Lending. I am grateful for their cooperation, communication, and the support they have given me so far. Im only seeking to explore whether a balance forgiveness option or similar resolution might be possible given my circumstances. 

Thank you for taking the time to review this and for sending my request to Bright Lending.

Company response to consumer: Closed with explanation