vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Hello I feel like I was not properly disclosed the charges on my lon I was not provided an option for the XXXX isnurance they charged me a total of XXXX for XXXX insurance that was never offered nor properly disclosed I was not given an option to opt out. I am requesting an apology letter and a refund of this fee. I have also disputed the misreporting on my credit and while documentation was sent I dont feel like someone actually looked at my information. I am requeting also a correction on my credit 1 month is 30 days late the second month is 60 day they have repeated 30 days and 60 days reporting they are reporting multiple 30 days multiple 60 days and multiple 120 days late back to back after the item was charged off. This is not legal. there should have been XXXX time 30 day XXXX time XXXX and XXXX time XXXX this has still not been recitifed. I dont believe that the complain is being addressed with itegrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-12 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-12 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: FL

Complaint narrative:
he 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-12 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:
he 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Review the materials enclosed ; these inquiries were made without permission and may be in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-11-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX To : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Final Notice -- Intent to Sue for Willful Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This letter serves as your final notice to correct your blatant violations of my rights under the Fair Credit Reporting Act ( FCRA ). Despite previous disputes, you continue to report inaccurate and unverified information regarding Fbt/mercury. .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. Under 15 U.S.C. $ 1681i, you are required to conduct a reasonable investigation when a consumer disputes information. Your failure to do so demonstrates willful non-compliance with federal law. Furthermore, 15 U.S.C. S 1681e ( b ) mandates that you maintain maximum possible accuracy in consumer reports, a standard you have clearly failed to uphold, Recent enforcement actions have held credit reporting agencies accountable for such violations. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) sued Experian for unlawfully failing to properly investigate consumer disputes, alleging that Experian 's inadequate processes resulted in the inclusion of incorrect information on credit reports. Additionally, in XX/XX/XXXX, the CFPB orderec Equifax to pay {$15.00} million for failing to conduct adequate investigations of disputed information in credit reports, highlighting the seriousness of these obligations under the FCRA. Furthermore, individual consumers have successfully sued credit reporting agencies for similar violations. For instance, in a recent class-action lawsuit, consumers challenged inaccurate credit reporting practices that led to denials of mortgages, home refinancing, and car loans, or resulted in higher interest rates due to debts and negative credit reports that should have been removed from their credit files,. 
I am fully prepared to exercise my rights under the FCRA, which allows for damages up to {$1000.00} per violation, along with attorney fees and court costs. If this inaccurate account is not removed from my credit report within 7 days of your receipt of this letter, I will initiate legal action without further notice, This is not a mere warning-it is a promise. Take this matter seriously and rectify your violations immediately. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I called Bank of America customer service to inquire about my checking account ending in XXXX. I was transferred to the XXXX Department, where the representative stated the account would be closed effective XX/XX/year>, due to 'suspected fraudulent activity. ' No specific transactions, dates, or evidence were explained during the call, and I have not received any formal written notice via email or mail, despite my expectation of such notification for transparency. 

I have never authorized or engaged in fraudulent transactions. This appears to be a false positive, likely triggered by a legitimate wire transfer from my BofA account to my crypto.com account, which was successfully received without issues ( see attached screenshot ). The sudden closure has disrupted my access to funds ( to be sent via check ) and risks damaging my banking record with ChexSystems, affecting future account openings. 

I immediately requested details during the call but received none, and follow-up attempts have yielded no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW.

BY LAW, CONSUMER REPORTING AGENCIES MUST : XXXX. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, XXXX. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND XXXX. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON. 

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS. 

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES. 

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

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 2025-11-12 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items listed on my credit reports with the three major credit bureaus TransUnion Below are the details of the accounts in question : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payment : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2025-11-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: TN

Complaint narrative:
I either lost my card or it was stolen but I ordered a new card and it worked for a couple days then was locked and I still may have have that card now its been a year or two

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Select Portfolio Servicing ( SPS ) is inaccurately reporting nine missed mortgage payments on my credit report for the period of XX/XX/XXXX through XX/XX/XXXX. These late payments are being reported under my name even though, per a court order dated [ insert date ], I was legally released from all financial and mortgage responsibilities for this property as part of a divorce decree. 

During this time, I did not own or occupy the property, nor was I in control of the mortgage account or its payments. The court order clearly states that my ex-spouse was responsible for the home and associated loan obligations. 

Despite providing documentation to support this, SPS continues to report these nine missed payments to the credit bureaus. This inaccurate reporting has negatively affected my credit score and is preventing me from refinancing my current home. 

I am requesting that SPS correct this reporting by removing the late payments and any related derogatory marks from all credit bureaus XXXX XXXX XXXX XXXX XXXX ) and provide written confirmation that the records have been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 violations 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MS

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 explanation
Consumer complaint received 2025-11-12 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: MS

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 2025-11-12 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: WA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
These accounts are fraudulently reported under my name without authorization I never managed them. 
This is unacceptable, presenting inaccurate, misleading info about my financial history. 
I take my credit seriously ; these unauthorized accounts cause profound concern. 
Demand immediate clarification on why they appear and who's responsible.

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