vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: IL

Complaint narrative:
This account is not mine and has been wrongfully added to my credit report with misleading and incorrect 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 2025-12-10 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: PA

Complaint narrative:
I saw again that the same inaccurate accounts remain on my credit report and nothing has been taken out. This situation is overwhelming me and I urgently ask that the documents I submitted be checked closely so I can have peace of mind.

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 2025-12-10 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: Lendmark Financial Services
State: LA

Complaint narrative:
I am filing a complaint regarding a predatory loan issued by Lendmark Financial Services. I applied for what I was told would be a {$3500.00} personal loan. At signing, the representative had me sign on a tablet and did not disclose any details, add-ons, or insurance products as additional costs. 

When I received my first statement, I discovered that Lendmark opened the loan at a principal amount of {$7100.00}, more than double what I requested or agreed to. This amount included insurance products and fees that I did not authorize, knowingly agree to, or understand were being added. 

The disclosures were not reviewed with me prior to signing. The representative rushed the signing process, only showing the signature spaces on a tablet. I was never provided an itemized explanation of the loan amount until after it was finalized. 

Because of the inflated principal, my loan payments primarily go toward interest, and the loan is causing significant financial hardship. I am requesting a full review of this loan, removal and refund of all optional add-on insurance products, recalculation of the principal, and a reduction in the balance to reflect the amount I actually agreed to borrow ( {$3500.00} ). 

I am asking the CFPB to investigate XXXX practices of : Adding unauthorized credit insurance and protection plans Doubling loan principals with hidden fees Failing to disclose loan terms before signing Using tablet signing to avoid showing full documentation Misrepresenting loan amounts during the application process I want Lendmark to correct the principal balance, remove all insurance and add-ons, and provide a fair and accurate loan amount consistent with what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CITIBANK, N.A.
State: PR

Complaint narrative:
I am formally disputing a hard inquiry that appears on my XXXX  credit report. I am requesting an investigation and deletion of any inquiries that can not be verified as authorized by me, permissible under the law, or initiated with my written consent, as required by the Fair Credit Reporting Act ( FCRA ). 
Under FCRA 604 ( a ), a company may only obtain my credit report if they have a permissible purpose. I am disputing the following inquiries because they were not authorized, I did not grant permission, or I have no business relationship with these companies : * XXXX XXXX date of Inquiry - XX/XX/year>. 

Per FCRA 607 ( b ), XXXX  must ensure the maximum possible accuracy of any information it reports.Per FCRA 611, I am requesting that you conduct a reinvestigation and provide written results to me.Under FCRA 609 ( a ) ( 1 ), I am also requesting the full method of verification, including : XXXX. The name of the person or entity that pulled my credit file XXXX. The date and purpose stated for obtaining my credit report XXXX. Proof of my written authorization or signed application If XXXX  can not verify that these inquiries were made with legally valid authorization and permissible purpose, they must be removed immediately, as required by FCRA. 
Please send me a corrected copy of my XXXX  report upon completion of your investigation. 

Thank you for your prompt attention. 

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 explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am filing a complaint against OneMain Financial and XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) involving an inaccurately updated and improperly furnished OneMain tradeline. 
XXXX  is reporting Date Reported : XX/XX/XXXX on a OneMain account that was charged off in early XXXX and has had no payments, no activity, and no changes since that time. Updating a charge-off years later without any legitimate activity is considered improper updating and a re-aging indicator under FCRA guidance XXXX 
Additionally : XXXX  is not displaying the Date of XXXX  Delinquency ( DOFD ), which furnishers are required to provide per FCRA 605 ( c ). 
The balance is incorrect. The original balance was {$10000.00}, but the reported balance is {$11000.00}, which suggests inaccurate reporting and/or incomplete accounting. 
The account is incorrectly classified as both an installment loan and a collection/charge-off, which is contradictory. 
XXXX  verified the account after my dispute without addressing these contradictions or providing any documentation. 
These actions violate : FCRA 1681e ( b ) accuracy requirements FCRA 1681i failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( a ) prohibition on furnishing inaccurate or incomplete information FCRA 1681s-2 ( b ) failure to investigate upon receiving a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am still seeing inaccurate accounts on my credit report and they have not been taken off at all. This situation is really overwhelming me, so I am pleading for the documents I attached to be carefully reviewed so I can finally stop stressing about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-12-10 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: GA

Complaint narrative:
This account does not belong to me and is being incorrectly reported on my credit file. I have no knowledge of this account, and the information being reported is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Request for Full Debt Validation under the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern : I am responding to your recent communication alleging that I owe a debt. This letter serves as my formal request for complete debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please be advised that a simple billing statement, account printout, or internal summary does not constitute proper debt validation. I am requesting comprehensive documentation that provides substantial proof that the alleged debt is valid, accurate, and legally collectible. 

Specifically, I request the following : Proof of Ownership / Right to Collect A copy of your license or authorization to collect debts in the State of Florida, including your registration number. 

Documentation showing your legal right to collect this specific debt in Florida. 

Full Debt Validation Documentation A copy of the original signed contract, agreement, or application bearing my signature showing I entered into the obligation. 

A complete accounting history of the alleged debt ( all charges, debits, credits, interest, fees, and payments ). 

The Purchase Agreement / Bill of Sale demonstrating transfer of the debt from the original creditor to each subsequent debt buyer. 

The Chain of Custody / Chain of Title, listing every entity that has owned or transferred the debt, along with dates.

Verification of Accuracy Proof the amount you claim is correct and legally enforceable.

Name and address of the original creditor.

Until you provide the requested documentation, you must cease all collection activity, as required by FDCPA 1692g ( b ). 

Additionally, please do not contact me by phone. All communication must be in writing. Any failure to comply with this request, or attempts to continue collecting without proper validation, may constitute a violation of federal law. 

Thank you for your cooperation. I look forward to receiving the above documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute an account on my credit report that is associated with XXXX XXXX XXXX XXXX. This account, opened on XX/XX/year>, and currently reported as open with a balance of {$3300.00}, is fraudulent and was not authorized by me. 

In accordance with the Fair Credit Reporting Act, specifically Section 611 ( 15 U.S.C. 1611 ), I request that immediately investigate this matter and remove the fraudulent account from my credit report. Additionally, under Section 623 ( 15 U.S.C. 1623 ), I also request that XXXX XXXX XXXX XXXX, as the furnisher of this information, promptly correct the inaccurate information. 

I appreciate your prompt attention to this matter and request written confirmation once the account has been investigated and removed. 

Thank you for your cooperation. Please feel free to contact me if you need any further information. 

Sincerely,

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 2025-12-09 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be delivered to my house on XXXX XXXX. I was promised a Fully Functional XXXX which was XXXX XXXX  for Good Condition which I spent the next 7 1/2 months working on the XXXX to optimize maximum performance when my XXXX XXXX XXXX XXXX XXXX XXXX  would\'ve returned back in serviced anticipated in XXXX XXXX XXXX. When I was ready to install the engine on XXXX XXXX I was informed by a Lead Mechanic at XXXX XXXX XXXX XXXX XXXX XXXX Illinois that the XXXX wasn\'t able to be installed due to only one out of the XXXX XXXX XXXX XXXX XXXX  having compressions while the other five showed nothing. I reached out to the XXXX  seller XXXX upon the issue the same day but I was unable to reach him regarding the issue I filed complaints against the seller for Terms of Service Violations which i haven\'t heard back from them. I then reached out to Bank of America Regarding the issue and I was allowed to File a Claim but then three days later was informed that the case was closed due to "Timeframe related problems" and that they couldn\'t find the transaction related to XXXX in the amount of XXXX which is outrageous. Anything that is over XXXX  From any business should have a Claim Timeline of 6 months to over a year in order depending on the product or service to protect the Client from being screwed like me. Bank of America refuses to explain to me why exactly the claim for XXXX  was closed which is unfair to me considering I always be honest with the Bank upon anything I do with my Account.'

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 2025-12-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Experian, Equifax, and TransUnion for reporting inaccurate and unverifiable personal identification information on my consumer reports. 

The bureaus are reporting multiple names, addresses, phone numbers, and statements that do not belong to me, are outdated, or are incorrect. I have requested reinvestigation under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ), 610 ( a ), and 611, yet the inaccurate information remains. 

The following information is incorrect and must be deleted : Incorrect Name : XXXX XXXX Incorrect Phone Numbers : XXXX, XXXX Incorrect Consumer Statement : File Locked at Consumers Request Multiple outdated or inaccurate addresses, including XXXX, IN and XXXX XXXX XXXX, FL locations. 

The following information is correct and should remain : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Phone : XXXX Under FCRA 607 ( b ), the bureaus must maintain maximum possible accuracy. 
Under FCRA 609 ( a ) ( 1 ), I have the right to correct my identifying information. 
Under FCRA 611, any unverifiable or inaccurate information must be deleted within 30 days. 

I am requesting CFPB intervention to ensure all three credit bureaus delete the inaccurate personal information that does not belong to me and correct my file to include ONLY my verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
XXXX XXXX :, Social Security Number : XXXX, Date of Birth XX/XX/XXXX .Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of an account opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, l appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.

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 2025-12-09 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: TX

Complaint narrative:
I am filing this complaint because DEPTEDXXXX is reporting multiple false late payments on my credit report. These entries are 100 % inaccurate, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2 ( a ) ). I never made any late payments on these accounts, and I demand an immediate investigation and correction. 
Account Details : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$110.00} Reported as Late Payment I dispute this late payment because I have never missed or delayed any payment on this account. The reporting is inaccurate, misleading, and violates FCRA 1681i ( a ) which requires accuracy. No proof of delinquency has ever been provided, and this false report is harming my credit and financial opportunities. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$110.00} Reported as Late Payment This account information is incorrect. I have no knowledge of any late payment. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), DEPTEDXXXX has a duty to report accurate information. Reporting a late payment falsely is a direct violation and is damaging my credit reputation and score. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$260.00} Reported as Late Payment I dispute this account as reported. I have always made timely payments, and there is no factual basis for labeling this as late. FCRA 1681i ( a ) requires that inaccurate information be promptly corrected or deleted. I request immediate investigation and correction. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1500.00} Reported as Late Payment This reporting is false and completely misleading. I have never been late on this account. Falsely reporting late payments violates FCRA 1681i ( a ) ( 1 ) ( A ) and FDCPA 1692e. It continues to cause financial and emotional harm and needs to be corrected immediately. 
These false late-payment entries are harming my credit, causing financial hardship, and preventing me from obtaining fair credit opportunities. DEPTEDXXXX failed to ensure accurate reporting as required by FCRA 1681s-2 ( a ) ( 1 ) ( A ) and the credit bureaus failed to conduct a proper reinvestigation under FCRA 1681i ( a ). 
I request CFPB to take action and require the furnisher to provide proof of late payments or immediately correct/delete these inaccurate entries. I also request written confirmation once the investigation is completed.

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