vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-11-20 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC
State: CO

Complaint narrative:
Debt collector reached out to family member and disclosed details of the debt to a third party not involved in any way. 

On XX/XX/year> a text was sent to a relative that was addressed to me, I do not know how they got that number as that was never associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am writing to emphasize that this complaint is legitimate and requires immediate attention. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors are causing serious and ongoing negative impacts on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is critical.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
The company closed my account. Since then, the account has continued to show on my credit report and is negatively affecting my credit profile. I have attempted to resolve this issue directly with the company multiple times, but the account has not been properly deleted. It's showing close with XXXX bureau and open with another, with all having misinformation. XXXX bureau have last payment on XX/XX/XXXX and another one has last payment in XXXX. 

This unresolved reporting is causing issues with my credit and preventing me from being able to move forward with important financial actions. I am requesting that the company correct or remove the account information as required so that my credit report accurately reflects my current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
The vehicle was reported on my credit bureau as charged off XXXX. And reported on my credit bureau as chargedoff under P/L. In XXXX of XXXX the car was Repo 'd, and sold at auction. In XXXX of XXXX I sent a letter to Regional acceptance asking for details about the auction per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s 2 ( a ) ( 1 ) ( A ). I recieved no information from Regional Acceptance, nor was my credit bureau updated.

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 2025-11-20 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: AZ

Complaint narrative:
I am submitting a formal dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the following accounts that I believe are being inaccurately reported on my credit file. The accounts in question are listed below, separated by each credit bureau. 

Charge Off : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Dispute Reason : I dispute the balance and the status of this account. Please investigate its accuracy. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Dispute Reason : I dispute the balance and the status of this account. Please investigate its accuracy. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Dispute Reason : I dispute the balance and the status of this account. Please investigate its accuracy. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Dispute Reason : I dispute the balance and the status of this account. Please investigate its accuracy. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The balance shows as XXXX, and I dispute this reporting. Please verify the status and ensure it is correctly reported. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Dispute Reason : Please verify the accuracy of this reporting and investigate any potential errors. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Dispute Reason : I dispute this account due to inaccuracies in the reporting. Please review the details of this account and verify its accuracy. 

XXXX Account Number : XXXX Dispute Reason : The details for this account are inconsistent, and I request a review to ensure accuracy. 

Late Payments : 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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Transaction ID : XXXX Date of Transaction : XX/XX/year> Disputed Amount : {$500.00} I provided a loan via XXXX of {$500.00} to a third party on behalf of a friend " XXXX XXXX '', on XX/XX/year>. This friend promised to repay the amount at a later date. On XX/XX/year>, the said friend had their friend ( " disputing account holder '' ) to send me money on XXXX  to repay the loan. On XX/XX/XXXX, the disputing account holder, filed a false claim with XXXX  for the amount as unauthorized. XXXX  returned the disputing account holder 's funds, and froze my account until I repay the {$500.00} negative balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MO

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
CFPB Complaint Letter Subject : Complaint Against OneMain Financial for Misrepresentation of Settlement Terms To the Consumer Financial Protection Bureau, I am filing a complaint regarding OneMain Financial, who provided written settlement terms for my auto loan and then attempted to change those terms after I relied on their written statement. 

A branch manager at OneMain communicated to me in writing that : - If the settlement offer was approved,- And I paid the lump sum settlement amount,- And signed the settlement agreement, - OneMain would not pursue any deficiency balance after the vehicle was sold. 

I relied on this written statement when determining how to proceed. However, the branch is now demanding {$10000.00}, despite the vehicle being valued at approximately {$3500.00} and requiring about {$10000.00} in repairs. The sudden change in terms places an undue financial burden on me and contradicts their own written communication. 

I am requesting CFPB assistance to ensure that OneMain honors the terms they provided and to address what appears to be a deceptive and unfair business practice. 

Attached is the written statement from the branch manager for your review. 

Thank you for your assistance. 

[ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several accounts are being reported under my name without my authorization or knowledge, and I have never authorized or managed them. This is entirely unacceptable, as it introduces inaccurate and misleading information into my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern. I require immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit score is goin low in XXXX point, the report says I apply for a car, that not happen chance my address that not happen and in the las think is I Increase my credit, yes I accept a offer Of XXXX XXXX  for transfer but that is a pre aprove credit in my card and the offer says that no afect my credit score, .. any ways that not mins XXXX points low. 
Please I try to get information about what is happen if some one else is taken my 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 2025-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
The mortgage part of FourLeaf Federal Credit Union separated from the actual bank. Because of the separation, a direct transfer can not be made. I did an ACH for {$13000.00} to go to principal in my HELOC in order to pay a contractor. The payment was made by phone XX/XX/year>, to be effective XX/XX/year>. I was told the funds would be available by Monday, XX/XX/year> or Tuesday, XX/XX/year>. I called Monday evening to inquire about the funds and was informed that the payment was in a suspension fund, and it would available today, XX/XX/year>. When I made the payment on XX/XX/year>, I was not advised of a suspension fund. I called again on XX/XX/year>, and was advised, again, the funds would be available XX/XX/year> or XX/XX/year>. Again, I was not advised of a suspension fund. I see the payment was applied to principal but it's still not available. On another note, when calling FourLeaf, a message comes on about attempting to collect a debt. My account is not in Collections. I have automatic payments with them. An agent there told me that's standard. I have never heard of a company playing that message when an account is not past-due.

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 2025-11-20 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: IN

Complaint narrative:
I am a consumer who is disputing inaccurate information with Experian. Below are the accounts in dispute : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} INQUIRIES XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX LATE PAYMENT 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau regarding the following accounts on my TransUnion credit report. These accounts, particularly the charged off entries, do not reflect my accurate payment history and should be reviewed. 

XXXX XXXX XXXXXXXX XXXX ( Account Number : XXXX ) Date : XX/XX/year> Balance : {$0.00} Dispute Reason : This account shows a XXXX balance but was reported as charged off. I ask for verification of the account status and request an update to reflect the correct balance. 

XXXX XXXX  ( Account Number : XXXX ) Date : XX/XX/year> Balance : {$0.00} LATE PAYMENT 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 2025-11-20 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: GA

Complaint narrative:
I am disputing the following accounts reported under Experian. These accounts are inaccurately listed, and I request an investigation and appropriate corrections or deletions. 

Charged-Off Accounts : XXXX  XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX Account XXXX : XXXX Date Reported : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$21000.00}

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