vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
I am disputing the way Equifax is reporting late payments on my accounts with XXXX, XXXX XXXX, and XXXX XXXX. These accounts are being shown with multiple 30-day late payments, which I believe are inaccurate, incomplete, or unverifiable.

Equifax has a duty under the Fair Credit Reporting Act, specifically 1681e ( b ) and 1681i, to ensure that information in my credit file is accurate and to conduct a proper reinvestigation when I dispute errors. The law makes it clear that if information can not be verified with proper documentation, it can not remain in my credit report. 

The way these late payments are being reported is also inconsistent with XXXX XXXX standards. Fields such as the Payment History Profile, Account Status Codes, and Special Comment Codes appear to be misreported, making the tradelines misleading and unverifiable. 

Because of these inaccuracies, I am being unfairly penalized in my credit profile. This reporting has caused me embarrassment and XXXX, and it has affected my ability to qualify for financing on fair terms. 

I specifically requested that Equifax verify these accounts using original billing statements, payment histories, posting records, and proof of delivery. So far, no verifiable evidence has been provided, which makes the continued reporting unlawful. Case law such as XXXX v. XXXX  confirms that credit bureaus can not rely solely on automated or superficial verification but must conduct a reasonable and independent review. 

This is a clear-cut case of inaccurate and unverifiable reporting. The most direct and compliant resolution under the Fair Credit Reporting Act is to correct or remove the inaccurate late payment data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX  blocked a legitimate rent payment on XX/XX/ 2025, leaving me unable to access my own funds. Both my debit card and an instant transfer were declined with no option to verify my identity and override the block. Support confirmed there is no process to lift a block once triggered by their system. The first agent misled me by promising escalation but closing the chat without a case number. Only hours later did another agent provide escalation # XXXX, but the supervisor repeated the same script and confirmed they could not override the system. 

XXXX  is marketed as a near-bank alternative, but their lack of a verification and override process can put customers at risk of penalties for missed payments. I request investigation into XXXX handling of blocked transactions and their failure to provide a real escalation path.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom It May Concern, I am writing to notify you that the above-referenced account, which you are reporting name of XXXX XXXX, is fraudulent and does not belong to me. This rep constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 5 1 and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

Violations Noted : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - You are furnishing information to consumer re agencies that you know, or should know, is inaccurate.

2. 15 U.S.C. 1681s-2 ( b ) - After being notified of a dispute, you are required to reasonable investigation and correct or delete any information found to be i 3. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - The credit reporting agency must conduct a rea : reinvestigation within 30 days of my dispute. Your failure to properly validat results in continued inaccurate reporting.

4. 15 U.S.C. 1692e ( FDCPA ) - Prohibits false, deceptive, or misleading repre debt. Reporting and attempting to collect on a debt that does not belong to me is a violation of of my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Asset Services LLC
State: VA

Complaint narrative:
I reached out to company on XX/XX/year> inquiring about what amounts are and a statement balance of the debt. I was told by the representative that the was for some equipment and also the billing address is an address that Ive never been associated with.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
Re : Request for Account Information Account Number : XXXX XXXX XXXX M & T XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
CONVERGENT OUTSOURCING is falsely reporting on my credit. I have never had any accounts with them. Per my research CONVERGENT OUTSOURCING 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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I submitted a written dispute and validation request to Trident Asset Management on XX/XX/2025, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
They failed to provide proper validation, including a signed agreement, itemized charges, chain of assignment, and proof they have the right to collect in Florida. Instead, they marked the account as disputed without fulfilling their legal obligations. They continue to report the debt to the credit bureaus and have not responded with sufficient documentation. 
I am uploading a Cease and Desist letter demanding they stop collection and reporting unless proper validation is provided. I am requesting the CFPB investigate this matter and require the company to either properly validate or remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX AND HARVARD COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXXXXXX AND HARVARD COLLis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any 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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
I am writing to formally demand the immediate removal of fraudulent inquiries that have been placed on my consumer report due to identity theft. These inquiries were not authorized by me in any way, and you have failed to adhere to the legal requirements outlined under 15 USC 1681b ( c ), which prohibits furnishing reports in connection with credit transactions that were not initiated by the consumer.

Under the law, you are required to verify inquiries before they are reported, and you have clearly failed to do so. The following inquiries are fraudulent and must be deleted from my credit report IMMEDIATELY : Creditor : XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
CFPB Complaint OneMain Financial ( XXXX XXXX ) Your Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX Email : XXXX -- - Complaint Summary : I am an XXXX XXXX  and rely on my vehicle for income. My car is no longer safe or functional due to extensive damage and mechanical failure. Ive missed recent payments and am in financial XXXX. 

When I contacted OneMain Financials XXXX XXXX branch to request a payoff discount, I was subjected to XXXX  XXXX  and aggressive behavior by their staff. They raised their voices, spoke to me in a hostile and intimidating tone, placed me on long holds for 1525 minutes, and hung up the phone on me multiple times. I was denied access to supervisors and treated with blatant disrespect. Instead of helping me resolve the issue, they insisted I have XXXX call them directly, bypassing methe legal borrower. This is not only unprofessional, it is a clear case of customer abuse. Also calling a customer ( nasty mouth ) by store manager is so disrespectful and unprofessional Eventually, the branch manager verbally offered a {$3500.00} payoff, which matched the amount XXXX agreed to pay directly to OneMain for the title release. But when I called back to confirm, the manager denied the agreement and demanded nearly {$7000.00}, knowing that XXXX would roll the full amount into a new loan. This feels like an attempt to exploit my financial hardship and push me into deeper debt, despite the vehicles condition and our prior verbal agreement. 

I offered to send photo documentation of the vehicles damage since I can not afford a {$200.00} diagnostic report, but this was dismissed. The car is in extremely poor condition and no longer viable for work : - Catalytic converter needs replacement - Airbag warning light is on - All four tires need replacement - Body has dents and deep scratches - Rear bumper is scratched ; front bumper has a hole and impact damage - Hood support rod is brokenhood wont stay open unless held by hand - Engine burns oil - Large hole near the gas pedal inside the cabin I am currently facing severe financial hardship and may be forced to file for XXXX  XXXX bankruptcy if I can not resolve this matter. I am actively trying to settle the account responsibly, and OneMains refusal to cooperatecombined with their abusive treatmentis making that impossible. 

-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MO

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 non-monetary relief
Consumer complaint received 2025-09-04 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:
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 response to consumer: Closed with non-monetary relief