vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
This complaint concerns inaccurate credit reporting by OneMain Financial on my account, No. XXXX. In XX/XX/year>, I mailed my monthly payment on XX/XX/XXXX, well before the XX/XX/XXXX due date, to OneMains designated P.O. Box. The XXXX XXXX XXXX  mishandled the envelope and returned it to me, an event entirely outside of my control. To ensure timely payment, I immediately hand-delivered the same check, dated XX/XX/XXXX, to the OneMain branch in XXXX, Ohio. I have documentation and photographs confirming this delivery and acceptance. 
Despite the payment being made and accepted, OneMain reported the account as XXXX days late for XX/XX/year>. On XX/XX/year>, I mailed a formal dispute package to OneMain, confirmed delivered under XXXX Certified Tracking No. XXXX. That package included proof of payment, XXXX documentation, and supporting evidence. As of XX/XX/year>, more than XXXX days have passed, yet I have not received a written response from OneMain, and the XX/XX/year> delinquency continues to appear on my XXXX  credit file. This reporting is inaccurate and materially misleading. It has already lowered my credit scores and impaired my ability to access credit on fair terms. I have confirmed with XXXX  and XXXX  legal representatives that corrections can not be made at the bureau level and must originate with OneMain as the furnisher. 

Proof of payment is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX BANK ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

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 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I have not been contacted by the collection company to report the debt on my credit report. I do not have any contract with the collection company, and the credit bureau did not do a proper investigation for this collection. I would like this to be removed because the collection company has been harassing me and also damaging my credit for me not to be able to do things financially to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NY

Complaint narrative:
Subject : Dispute of Fraudulent Account on Credit Report Dear [ CFPB ], I am writing to formally dispute an inaccurate and fraudulent account that appears on my credit report. The account does not belong to me and appears to be the result of identity theft. 

Fraudulent Account Information : Creditor Name : [ Hunter Warfield ] Account Number : [ XXXX ] Date Opened : [ XX/XX/year> ] Balance : $ [ XXXX ] This account was opened without my knowledge or consent, and I have never had any dealings with this creditor. I am requesting that this account be investigated, removed from my credit file, and that all related negative information be deleted. 

I have enclosed the following documentation to support my claim : A copy of my government-issued ID ( drivers license or passport ) Proof of address ( e.g., utility bill, bank statement ) A copy of my credit report with the fraudulent account highlighted [ Optional : Police report or FTC Identity Theft Report ] Please investigate this matter and remove the fraudulent account from my credit file as soon as possible. In accordance with the Fair Credit Reporting Act ( FCRA ), I request written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hi there, I was at a XXXX 's XXXX earlier this year and purchased a product ( XXXX ). The store cashier offered me a discount and I accepted it thinking I was signing up for a rewards program. She ended up signing me up for a credit card on the spot, all I did was sign and press a few accept buttons ... it was too quick! I thought I paid via my own card so I went home to cancel the credit card immediately seeing my mistake. After it was cancelled, I wasn't asked to pay the full amount and did not know I was being charged. I never received a credit card or full account number, let alone any emails or account information except saw a late payment mailed letter. Sadly this has affected my credit score and made it low..... for the next XXXX to XXXX years.... I am here to dispute it based on unfair and aggressive strategies at XXXX 's at the store front, signing me up without giving me valid information and deceptive and unfair business practices. Cancelling the card and being made aware of my balance was incredibly difficult, stressful and taxing process that was not easy. I have never made a late payment and this deceptive card has ruined my score completely. After hours I managed to get in contact with a XXXX comenity representative on the phone and fully paid the card even if it was fully closed and not offered at the time, including late fees. I simply want to reverse this credit score. 
Date : XXXX or XXXX I seem to have closed the XXXX 's account. XXXX my credit score was lowered. XX/XX/XXXX paid the full late fee and the full amount. Sadly mislead, deceived, through creating this card to begin with and thinking I cancelled and paid already in XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/year>, I was the victim of an XX/XX/XXXXcoercion and fraud scheme that forced me to withdraw {$9600.00} from my U.S. Bank account against my will. 

On XX/XX/XXXX an individual lured me into depositing a fraudulent check and then used threats, including a XX/XX/XXXX, to force me to make withdrawals from U.S. Bank branches while under duress. The individual threatened my life, made it clear he knew where I lived, and coerced me into withdrawing the funds and handing them over. This was documented in XXXX Police Department Report # XXXX, which confirms I acted under threat and in fear for my safety. 

I filed a dispute with U.S. Bank on XX/XX/year> and submitted my full written statement with supporting documentation on XX/XX/year>. On XX/XX/year>, U.S. Bank denied my claim. I submitted an appeal on XX/XX/year>, but on XX/XX/year>, U.S. Banks internal annotated notes ( which I was not allowed to obtain ) indicated the claim would remain closed. 

U.S. Bank has failed to honor its obligations under Regulation E ( 12 CFR 1005.11 ) by : Failing to conduct a reasonable investigation despite clear police documentation. 

Failing to provide me with evidence they relied upon, including the XX/XX/XXXX closure note. 

Refusing to reimburse me for unauthorized withdrawals made under coercion and duress. 


I am submitting this complaint to request CFPB intervention and enforcement.

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 2025-09-29 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: NJ

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4900.00} XXXX XXXXXXXX BANK - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$710.00} XXXX BANK XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 2025-09-29 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: OR

Complaint narrative:
XX/XX/year> Transunion went through a security breach. I have multiple alerts with my credit monitoring services of over XXXX inquiries place don my credit file since this breach using my sensitive information. These alerts have been used by XXXX XXXX, XXXX, and other credit companies. I have not authorized the use of my social security to obtain any credit. Additionally there are public records posted to my credit file that are not mine. No credit bureau has sent me proof of any documentation proving I had anything to do with any of these inquiries or public records reports. I would like a thorough investigation and all negatives immediate removed from the credit file.

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 2025-09-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-29 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 XXXX  I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: VA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$170.00} XXXX CARD - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$9900.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/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 2025-09-29 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: MO

Complaint narrative:
b'I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting\ndocuments that substantiate my claim. The information listed below, that is currently listed on my credit report is a\nresult of that XXXX.\nACCOUNTS:\n 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

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: RentDebt Automated Collections, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XX/XX/year> Rent Debt Automated Collections, XXXX Dispute of Inaccurate Information and Request for Deletion of Fraudulent Account from Credit Report Hello, I am writing to formally dispute the accuracy of the information reported by your agency on my credit report regarding an account allegedly associated with the address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I want to clarify that I have never resided at this address, and I believe this account is fraudulent and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) and applicable state laws, I request that you immediately delete this account from my credit report and cease any further reporting of this account. The information is not only incorrect but appears to be a result of fraudulent activity. 

Please provide me with written confirmation that this account has been removed from my credit file within the statutory time frame. Failure to comply with this request will compel me to consider legal action to protect my rights under state and federal law. 

I expect your prompt investigation and resolution of this matter. I also request that you cease all communication regarding this account unless it is to confirm the deletion and correction of my credit report. 

Thank you for your immediate attention to this serious matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
Crypto.com Transaction Dispute Summary Timeline of Events : Original Transactions On XX/XX/XXXX, I completed XXXX legitimate transactions on XXXX : ( XXXX ) separate charges of {$280.00} each ( XXXX ) charge of {$360.00} First Unauthorized Duplicate Charges On XX/XX/XXXXXXXX XXXX  charged my Ally bank account again : ( XXXX ) charge of {$280.00} ( XXXX ) charge of {$360.00} Second Unauthorized Duplicate Charges On XX/XX/XXXXXXXX XXXX charged my account a XXXX time : ( XXXX ) separate charges of {$280.00} each ( XXXX ) charge of {$360.00} Dispute Process filed a dispute with Ally Bank regarding these unauthorized duplicate charges. The dispute was initially approved, and I received a refund on XX/XX/XXXX. However, in XXXX, Ally reversed their decision without adequate explanation. Current Situation I have provided Ally Bank with : Bank statements showing the multiple identical charges on different dates Documentation of communications with XXXX support, who confirmed they have no record of duplicate transactions on their end. 

Despite these efforts, Ally Bank has closed my account and claims I owe {$530.00}. I continue to work with Ally to resolve this matter, as I have been incorrectly charged multiple times for the same transactions, resulting in financial hardship and account closure.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit agencies Experian and Equifax continues to report inaccurate information to my credit report. They have not given me the proper documentation for verification.

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 2025-09-29 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: NV

Complaint narrative:
PLEASE REMOVE ALL THE ACCOUNTS LISTED IN MY FTC REPORT I HAVE ALSO ATTATCHED ARBITRATION LAWSUIT IF MATTERS DONT GET RESOLVED I HAVE TOLD YOU NUMEROUS TIMES MY INFO WAS EXPOSED IN DATA BREACH AND IS FRAUD AND YET YOU CONTINUE TO REPORT FRAUD INFO I DEMAND THIS INFO BE BLOCKED FROM ANY FUTURE REPORTING AND REMOVED FOREVER. I HAVE ALSO CONTACTED THE COMPTROLLER OFFICE, CFPB AND ATTORNEY GENERAL MADE THEM AWARE OF THIS NON-SENSE REMOVE IMMEDIATELY ARE RESPOND TO ARBITRATION LAWSUIT THAT I WILL MOVE FORWARD WITH. THIS IS MY XXXX XXXX TIME TELLING YOU GUYS THESE ARE FRAUD. NOT TO MENTION THE INNACURACY I HAVE UPLOADED A COPY OF MY CREDIT REPORT ALL INACURIES FROM XXXX THE BOARD. PLEASE REMOVE ALL INACCURIES, WRONG OPEN DATES, AMOUNTS AND CHARGES ALL INFO SHOULD BE REPORTED ACCURATE ACCROSS ALL XXXX XXXX REPORTING AGENCIES.

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