vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
Permanently delete the fraudulent accounts XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX and all related unauthorized inquiries from my credit file, block all identity theftrelated information within XXXX business days as required by 15 U.S.C. 1681c2, and provide me with a corrected consumer report along with written confirmation of the deletions. If the company can not produce verifiable documentation showing I authorized these accounts or inquiries, they must be removed immediately.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 2025-08-15 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2025-08-15 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
Debt has been discharged and showing as derogatory trade on credit report.

I have security interest with documentation ( UCC1 ) Closed XX/XX/year>, XXXX, XXXX, XXXX, XXXX, XX/XX/year>, {$5500.00} I N A C C O R D A N C E W I T H T H E F A I R C R E D I T R E P O R T I N G A C T. T H E L I S T O F A C C O U N T S B E L O W H A S V I O L A T E D M Y F E D E R A L L Y P R O T E C T E D C O N S U M E R R I G H T S T O P R I V A C Y A N D C O N F I D E N T I A L I T Y U N D E R 1 5 U S C 1 6 8 1.

A C C O U N T N A M E : # XXXX XXXX XXXX XXXX, A C C O U N T N A M E : # XXXX XXXX XXXX XXXX, A C C O U N T N A M E : # XXXX XXXX XXXX XXXX, A C C O U N T N A M E : # XXXX XXXX XXXX XXXX, H A S V I O L A T E D M Y R I G H T S.

1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 2 A, S T A T E S I H A V E T H E R I G H T T O P R I V A C Y. 
1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2, S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A N A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S.

1 5 U. S. C. 1 6 8 1 C. ( A ) ( 5 ) S E C T I O N S T A T E S : N O C O N S U M E R R E P O R T I N G A G E N C Y M A Y M A K E A N Y C O N S U M E R R E P O R T C O N T A I N I N G A N Y O F T H E F O L L O W I N G I T E M S O F I N F O R M A T I O N : A N Y O T H E R A D V E R S E I T E M O F I N F O R M A T I O N, O T H E R T H A N R
E C O R D S O F C O N V I C T I O N S A N D C R I M E S W H I C H A N T E D A T E S T H E R E P O R T B Y 7 Y E A R S.

1 5 U. S. C. 1 6 8 1 S - 2 ( A ) ( 1 ) A P E R S O N S H A L L N O T F U R N I S H A N Y I N F O R M A T I O N R E L A T I N G T O A C O N S U M E R T O A N Y C O N S U M E R R E P O R T I N G A G E N C Y I F T H E P E
R S O N K N O W S O R H A S R E A S O N A B L E C A U S E T O B E L I E V E T H A T T H E I N F O R M A T I O N I S I N A C C U R A T E.

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 2025-08-15 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:
Debt has been discharged and showing as derogatory trade on credit report.

I have security interest with documentation ( UCC1 ) Closed XX/XX/year>, XXXX, XXXX, XXXX, XXXX, XX/XX/year>, {$5500.00} I N A C C O R D A N C E W I T H T H E F A I R C R E D I T R E P O R T I N G A C T. T H E L I S T O F A C C O U N T S B E L O W H A S V I O L A T E D M Y F E D E R A L L Y P R O T E C T E D C O N S U M E R R I G H T S T O P R I V A C Y A N D C O N F I D E N T I A L I T Y U N D E R 1 5 U S C 1 6 8 1.

A C C O U N T N A M E : # XXXX XXXX XXXX XXXX, A C C O U N T N A M E : # XXXX XXXX XXXX XXXX, A C C O U N T N A M E : # XXXX XXXX XXXX XXXX, A C C O U N T N A M E : # XXXX XXXX XXXX XXXX, H A S V I O L A T E D M Y R I G H T S.

1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 2 A, S T A T E S I H A V E T H E R I G H T T O P R I V A C Y. 
1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2, S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A N A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S.

1 5 U. S. C. 1 6 8 1 C. ( A ) ( 5 ) S E C T I O N S T A T E S : N O C O N S U M E R R E P O R T I N G A G E N C Y M A Y M A K E A N Y C O N S U M E R R E P O R T C O N T A I N I N G A N Y O F T H E F O L L O W I N G I T E M S O F I N F O R M A T I O N : A N Y O T H E R A D V E R S E I T E M O F I N F O R M A T I O N, O T H E R T H A N R
E C O R D S O F C O N V I C T I O N S A N D C R I M E S W H I C H A N T E D A T E S T H E R E P O R T B Y 7 Y E A R S.

1 5 U. S. C. 1 6 8 1 S - 2 ( A ) ( 1 ) A P E R S O N S H A L L N O T F U R N I S H A N Y I N F O R M A T I O N R E L A T I N G T O A C O N S U M E R T O A N Y C O N S U M E R R E P O R T I N G A G E N C Y I F T H E P E
R S O N K N O W S O R H A S R E A S O N A B L E C A U S E T O B E L I E V E T H A T T H E I N F O R M A T I O N I S I N A C C U R A T E.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA XXXX ( willful ) and XXXX ( negligent ), as well as the XXXX XXXX for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year>, a charge of {$120.00} was charged to my capital one credit card from XXXX. I was at work when the charge took place and immediately called capital one to tell them I haven't used the card at XXXX. They gave a temporary credit and said they would investigate further. A week later on XX/XX/XXXX, another charge of {$200.00} was charged to my capital one credit card from XXXX. This time I received a text instantly from capital one asking if I made that charge, I responded no, and was told to call the fraud department. I called immediately and explained there is another investigation going on from a week earlier and these are probably tied together. I asked what address was used for the purchase, city, state and ip address as I haven't made any online purchases from XXXX. I asked if they could change my account number as well. They gave me no information at all and said maybe it was a subscription that I was using... I spoke to XXXX and verified there are no orders from my account or address and my XXXX plus subscription was already paid XXXX  months prior. The subscription is no where near that price anyways. The agent from XXXX concluded there are no purchases from my address or from my account. I relayed this information to the capital XXXX fraud department. They said they would investigate and take care of it as it wasn't from my address. XXXX days later on the XXXX, I received a document from capital one stating the charge was valid and they are reversing the credits they gave me. So they expect me to pay over {$300.00} for charges that didn't even originate from my ip address or city, state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XXXX I received notifications that my debit card was use on XXXX for the amount of {$620.00}. A sports betting app that is not allowed in my state of Texas. I reached out to XXXX customer support where they informed me that indeed my debit card was used on an account that wasnt attached to my number. I reached out to Chime to dispute these transactions with all the proven transactions and information based on what the XXXX representative had sent to me but my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Delete the late payment on this credit account its inaccurate and I need a update b it say 91 % completed that not correct I want a written debt validation letter with a written statement you fix the error

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 2025-08-15 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: GA

Complaint narrative:
This is my third time filing a complaint against One Main Financial, One Main Financial Solutions, and XXXX XXXX. I am a Veteran and they are treating me badly. They made a few payments on my XXXX claim and abruptly stopped, which is a fraudulently gangster practice by One Main Financial as a whole. This company will NOT do the appropriate thing when it comes to consumers. I need my situation escalated to the highest authority at CFPB. Please do not allow this corrupt behavior to continue at this out of control deceptive business. You all have levied fines with them before and it did not deter them. They should be closed down ASAP! I was hospitalized from an acute XXXX and I am still under medical care and this finance company stubbornly refuse to pay my monthly bill while I am XXXX. One Main Financial is giving me a hard time and will not assist me with my claim at XXXX XXXX and XXXX XXXX XXXX. An insurance company owned by One Main! They are pointing fingers at each other while I am suffering and can not walk. One Main Financial is a gangster and criminal organization out to strong arm the consumers through devious means and should be imprisoned through their reckless and trifling conduct. One Main Financial is stealing from the consumers and they should be investigated. They make all kind of XXXX connotations while communicating to consumers at the XXXX, Georgia branch. So, I do not know if it is this particular branch or the entire company. The Consumer Financial Protection Bureau investigated OneMain Financial XXXX  for violating the CFPA of XXXX. The CFPB found that OneMain engaged in deceptive and unfair practices, including : XXXX ) Misleading consumers into believing they needed to buy add-on products to get a loan. Now, I purchased the after market XXXX insurance and will not honor the contract. XXXX ) Charging and failing to refund interest and and premiums on add-on products that consumers did not agree to buy. XXXX ) Charging non-refundable interest during the full-refund period for add-on products. XXXX ) Making it difficult for consumers to understand that add-on products were optional In XX/XX/XXXX, OneMain agreed to o Consent Order with CFPB to resolve the claims. They are up to their same trickery and foolery with my claim and I am a Veteran who had an acute XXXX XX/XX/XXXX. The order requires OneMain : XXXX ) Stop the unlawful activities. XXXX ) Make it easier to cancel add-on products. XXXX ) Include interest in refunds after canceling add-on products. XXXX ) Pay at least {$10.00} XXXX in consumer redress. XXXX ) Pay a {$10.00} XXXX civil money penalty. XXXX ) Take steps to ensure future compliance. OneMain also stated that it would implement customer-controlled touchscreens receive clear disclosures and can review documents at their own pace.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has security system built in the account on this company 's app. When contacted about the fraudulent activities and requested to close the debit card, the AI XXXX XXXX ) esystem of the bank refused to that and money was taken out repeatedly from the account until there was no money left. This account holder was overseas at that time. Upon return the Bank was contacted and the Bank reassured that it will dishonor the expenses and credit was issued. However on XX/XX/2025 the bank made a decision to take the Credit back without providing any documents necessary to rationalize its decision. The Bank was contacted without any result so far. There are other claims pending and same thing can happen. The Bank ; XXXX Claim number is 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 monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: NC

Complaint narrative:
A demand for debt validation was sent to the company in question.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have an experianXXXX  account. I placed a freeze on my credit report through this account. I am seeking to unfreeze my credit.I recently changed my telephone number. The automated system does not allow me to update my phone number or unfreeze credit. The automated service states they could only send me to an operator under special circumstances. I have tried to update my phone number in Experian online, but it keeps sending the verification request to my old number. I have sent mail correspondence and submitted online verification to change my phone number. This still has not worked. This is preventing me from attaining a home as they need access to my credit report, I have tried calling XXXX different numbers.

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