vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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:
I am disputing the late payment currently shown on my credit report. This entry is false and inconsistent with my long-standing record of timely payments. Its presence is misleading and causes undue damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Your repeated responses to my CFPB complaint with the same move-out statement do not constitute legal validation of any alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). Simply resending the same inadequate and unverifiable move-out paperwork after each complaint is not compliance with federal law. 

Be advised that I am represented by counsel and am prepared to pursue all available remedies under Florida and federal law. If TSI and XXXX continue to report this account without providing proper and complete validation, you will leave me no choice but to initiate litigation for statutory damages, actual damages, attorneys fees and injunctive relief. 

You are hereby placed on notice to cease reporting unverifiable information and to provide true, complete and original documentation sufficient to establish the alleged debt or remove the account immediately. Failure to comply will result in escalation of this matter to court without further notice. 

Please do not respond with the same bogus attached statement and this bogus move out statement that you all continue to alter in each complaint! Provide me legal proof you have the right to continue to report this nonsense! You cant! So delete it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year> I initiated a wire transfer to my sister in South Carolina. The money was sent to Bank of America from my bank XXXX XXXX The amount was {$10000.00}. The money got rejected by bank of America because i failed to inform my bank that the money was intended for her business account and instead provided her personal name. My sister contacted her bank in many occasions and all they tell her is that they sent the money back to my bank. And when i reach out to my bank they say the havent received nothing. Bank of America provided a federal tracking number for my bank to track the funds but my bank is saying that they cant track the fund. They are saying BoA has the responsibility to track the money. Bank of America is saying they cant do nothing on their end. Bank of America wont cooperate with my bank.

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 2025-09-18 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> - Balance {$1900.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> - Balance {$3600.00}

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 2025-09-18 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: FL

Complaint narrative:
XXXX in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX Number XXXX In accordance with the Fair Credit Reporting Act Public law XXXX. XXXX VI, section XXXX, please provide the names and the business address of each individual with whom you verified the following up above so I can follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
OneMain Financial is furnishing inaccurate and unverifiable credit reporting information to all three major credit bureaus. OneMain even stated in writing ( attached ) that it provides " identical information to each of the credit reporting agencies each month, '' but my credit files prove this claim false. In regards to account number - XXXXXXXX XXXX XXXX shows XXXX XXXX late payment ( XX/XX/XXXX ) ; XXXX shows XXXX XXXX lates ( XX/XX/XXXX and XX/XX/XXXX ) ; XXXX  shows none. XXXX also lists a {$0.00} balance and an account status that doesn't match the other bureaus. This account was fully paid off and closed, so it should report as Paid/Closed with a {$0.00} balance, {$0.00} past due, and no derogatory marks across all bureaus. OneMain 's inconsistent reporting is both inaccurate and unverifiable, violating its obligations under FCRA 623 ( a ) ( 1 ), ( 2 ), and ( 8 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
This letter is a formal dispute regarding the late payment inaccurately reported on my credit file. I have always made my payments on time, and this reporting is false. Its presence distorts my credit history and unjustly impacts my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CT

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$800.00} Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$230.00} Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$14000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$970.00} Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1100.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$690.00} UNAUTHORIZED INQUIRIES : 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 2025-09-18 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I need information on hardship interest rate reduction options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-18 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: NY

Complaint narrative:
I recently checked my credit report and identified multiple billing errors as defined under 15 U.S. Code 1666 ( b ) : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement. 

Because the creditor did not provide a billing statement at least XXXX  days before assessing a late payment, there should be no late payments on these accounts. I request hard, verifiable proof from the creditors records demonstrating that I failed to pay and was correctly reported as late. These issues clearly constitute billing errors. 

Accounts in Dispute XXXX XXXX XXXX  XXXXXXXX XXXX XXXX I dispute the inaccurate late payment reporting on this account. XXXX  reports a late payment in XX/XX/year>, XXXX  lists XX/XX/year>, and Equifax shows XX/XX/year>. Despite these derogatory entries, the account is also reported as Current and Pays as Agreed. 
These contradictions make the data unreliable, unverifiable, and not in compliance with XXXX XXXX standards. Your failure to maintain consistent, accurate reporting after prior disputes constitutes willful non-compliance with the Fair Credit Reporting Act, including 15 U.S.C. 1681i and 1681s-2 ( b ). Because this false derogatory information damages my creditworthiness, I demand permanent deletion of all late payment remarks and an update to report this account as Pays as Agreed. 

XXXX XXXX XXXXXXXX XXXX XXXX  I dispute the inaccurate late payment being reported on my XXXX XXXX account. TransUnion lists a XXXX late in XX/XX/year>, while Experian and Equifax  show the same period as Current and paid on time. 
This contradiction proves the data is unreliable, unverifiable, and not in XXXX XXXX compliance. Your refusal to maintain consistent and accurate reporting after prior disputes shows willful non-compliance with the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Because this false derogatory data damages my creditworthiness, I demand permanent deletion of the late payment remark and an update reflecting Pays as Agreed / Current. 

Required Action As a consumer, I am entitled by law to accurate and verifiable information in my credit file. The accounts listed above must be updated to reflect Pays as Agreed or, if you can not verify the information, deleted from my credit report. 

If these accounts are not corrected or deleted immediately, I will seek monetary compensation for violations of my rights in small claims court under 15 U.S.C. 1681n ( civil liability ). This matter has also been submitted to the Consumer Financial Protection Bureau, the State Attorney Generals Office, the Better Business Bureau, and the Federal Trade Commission. 

I expect written confirmation of the corrections or deletions within the time required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-18 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$26000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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 2025-09-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
In 2023 I was illegally charged for services, upfront. Never retrieved services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, remove all the fraudulent account from my file that were opened without my permission. Please see the listed account below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
I send mowny from us to XXXX to my partner on XX/XX/XXXX bt he didnt recieve the moeny its been 2 months the transcation was showing its been delivered bt he didnt recieved the money i paid us {$400.00} bt he didnt even recieved him

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Subject : Inaccurate Spring Oak Capital LLC Account Reporting Across All Bureaus I am formally disputing the accuracy and validity of the Spring Oak Capital LLC account ( # XXXX ) appearing on my credit report. This account is reporting inconsistent dates of first delinquency and balances across the three major credit bureaus, which constitutes a violation of FCRA 607 ( b ), requiring maximum possible accuracy in consumer reporting.

Under FCRA 611 ( a ), I am requesting verification of this account, including but not limited to : A signed contract or agreement bearing my signature, showing I initiated the debt.

A complete payment history for the account.

To date, Spring Oak Capital LLC has failed to provide these documents or sufficient evidence to validate this debt. As such, the information is unverifiable and must be removed from my credit report. 

Per 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation ... an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer As this item can not be properly verified and is being inaccurately reported, I am formally requesting its immediate deletion from my credit file. 

Please complete your investigation within the time frame required by law ( 30 days ) and send me an updated copy of my credit report reflecting the results of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report reflects collection accounts that I believe are inaccurate. Under XXXX XXXX XXXX ( b ) and XXXX, I have the right to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, I request their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: AR

Complaint narrative:
I submitted formal disputes to all three major credit bureaus Experian, TransUnion, and Equifax, regarding inaccurate and unauthorized information appearing on my credit reports. With Experian, I disputed several incorrect addresses ( XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ), as well as an unauthorized and unverifiable collection account reported by XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ). For TransUnion, I disputed the same inaccurate addresses and a closed account from XXXX ( Account Ending XXXX ), which incorrectly reports late payments despite a {$0.00} balance and being fully resolved. Reporting delinquency on a XXXX-balance, closed account is misleading and XXXX harm my creditworthiness in violation of FCRA accuracy and reinvestigation requirements. Regarding Equifax, I disputed an unauthorized inquiry from XXXX  XXXX  dated XX/XX/year>, which was made without my knowledge, consent, or any permissible purpose as required by FCRA XXXX ( a ) ( XXXX ) and XXXX. Despite providing detailed information and supporting documentation for each of these disputes, none of the bureaus have conducted a proper or timely reinvestigation within the required XXXX period, and the inaccurate information remains on my credit reports in violation of FCRA XXXX and related provisions. I am requesting the immediate deletion or correction of all disputed items, including removal of inaccurate addresses, the XXXX XXXX  collection, the incorrect XXXX  late payment notation, and the unauthorized XXXX  inquiry. I also request written confirmation of the reinvestigation results from each bureau, including the method of verification used, the documents reviewed, and the names of the furnishers or entities contacted during the reinvestigation process.

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