vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 explanation
Consumer complaint received 2025-09-22 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:
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 : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX 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 XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
Hello, I have noticed that the information about a closed credit card has been removed from my TransUnion credit report ; however, the hard inquiry associated with this account still remains. 

The bank that opened this account has confirmed in writing that this hard inquiry was not authorized by me and has provided TransUnion with the relevant information, requesting the removal of all records related to this account, including the hard inquiry. 

I am attaching a copy of the banks letter confirming this fact. 

I kindly request your assistance in ensuring the complete removal of this unauthorized hard inquiry, as it is associated with a closed account and was not approved by me. 

Thank you in advance for your help.

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 2025-09-22 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MO

Complaint narrative:
I found these accounts from companies that I did not apply for

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 2025-09-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these fraudulent or unauthorized entries is highly alarming and strongly indicates possible identity theft. This unresolved matter is causing ongoing emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a new complaint against Equifax Information Services LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding reinserted accounts, failure to maintain an identity-theft block, failure to provide reinsertion notice, and failure to provide proper verification. 
On XX/XX/year>, I submitted a fully documented identity-theft dispute to Equifax, including my FTC Identity Theft Affidavit, government-issued ID, proof of address, proof of the Equifax data breach reference number, and a detailed dispute letter. Equifax initially complied and removed all of the fraudulent accounts. 
However, Equifax subsequently reinserted the following accounts without providing the required written notice within five ( 5 ) business days, in violation of FCRA 611 ( a ) ( 5 ) ( B ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed CFPB Complaint # XXXX on XX/XX/year> regarding these accounts. Equifax responded but falsely claimed that the XXXXXXXX XXXX XXXX XXXX XXXXXXXX accounts were not reporting, when in fact they still appear on my credit report. Their response was misleading and demonstrates that no reasonable reinvestigation was conducted as required by FCRA 611 ( a ) ( 1 ) ( A ). 
On XX/XX/year>, I mailed Equifax a Final Demand Dispute Package and Invoice via certified mail. This package includes : Final dispute letter demanding permanent deletion of the XXXX accounts ; A 4-day block reinstatement demand pursuant to FCRA 605B ( b ) ( 1 ) ; A detailed invoice ( Exhibit H ) demanding statutory damages, actual damages, and administrative costs for these ongoing violations ; Supporting evidence including copies of my XX/XX/year> dispute, FTC Identity Theft Affidavit, prior CFPB complaint response, dispute results, current credit report screenshots, and certified mail receipt Equifax is currently violating : FCRA 605B ( b ) ( 2 ) : Failure to maintain a block after receipt of identity-theft documentation FCRA 611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion within five business days FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 609 ( a ) ( 1 ) : Failure to provide a meaningful method of verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that XXXX  immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC XXXX Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is inaccurately reporting a second mortgage tradeline. The original balance is listed as {$85000.00}, but my original promissory note from XXXX shows the true balance was {$60000.00}. The $ XXXX figure reflects a XXXX loan modification and should not be reported as the original loan amount. 

The current balance is reported as {$88000.00} with a past-due amount of {$1900.00}. This does not reflect payments made after XXXX, including escrowed funds. The payment history is incomplete missing entries for multiple months in XXXX and all data after XX/XX/XXXX, even though a payment was reported on XX/XX/XXXX. 

I submitted written disputes and attached supporting documentation to both XXXX and the credit bureaus. I also filed a formal complaint with the CFPB against XXXX ( Complaint ID : [ insert your XXXX  complaint number here ] ). 

This is a separate complaint regarding TransUnions failure to independently investigate the disputed tradeline. XXXX is the furnisher, but TransUnion has its own legal duty under FCRA XXXX to verify the accuracy of the information not merely rely on XXXX response. 

Please see the attached dispute letter with documentation, submitted as part of this complaint, and treat it as incorporated by reference.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I GET A CREDIT CARD TO MY HOUSE THAT I NEVER APLY FOR I CALL SEVERAL TIMES TO THIS COMPANY BECAUSE I SEE LATE PAYMENTS ON MY CREDIT REPORT ON A CARD THAT I NEVER APPLY OR USE, EVERYTIME I CALL NOBODY WAAS ABLE TO HELP ME CAUSE THEY DIDN'T HAVE MY SOCIAL SECURITY NUMBER CORRECT SO HOW THEY KEEP SENDING LATE PAYMENT SHOWING ON THE CREDIT REPORT IF THEY DID'T HAVE THE SOCIAL CORRECT HOW THEY SEND A CREDIT REPORT ON MY SOCIAL SECURITY NUMBER, ALSO I TRY TO PAID THE AMOUNT THEY SAID I OWN AND I CAN'T BECAUSE I NEED TO PROVIDE THE SSNUMBER THAT THEY HAVE ON THE SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/year> I received a collection notice via text message. This has been my only communication with the company. It stated I owed a balance of {$910.00}. This is the XXXX  time I have ever received a notice regarding this creditor. 

I immediately disputed the debt on XX/XX/year>. It has been over XXXX calendar days and I have yet to receive proof of the debt. 

I would like the collection agency to close this account so I may deal with the creditor directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I recently received a very generic " Notice of Intent to Sue '' letter, but no prior communications from your office before that. You stated that a document was sent to me in XXXX ; however, I never received it. 
During our phone conversation, I was told that I was required to provide my personal information over a recorded line, and that your office does not send written information. This is concerning, as I should not be obligated to provide sensitive information without proper documentation. 
I requested verification of the alleged debt, but was told only that you would try to send it. At this time, I have not received any proof or supporting documentation to confirm the validity of the debt you are attempting to collect, which you claim is related to a XXXX XXXX credit card. 
For the record, I am formally requesting validation of this debt in writing, including the name of the original creditor, the amount alleged, and documentation proving your authorization to collect. Until such information is provided, I do not acknowledge this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
On XX/XX/year>, a {$70.00} credit balance posted to my FNBO ( First National Bank of Omaha ) credit card account ( Amtrak Guest Rewards, no annual fee ). On that date, I requested a refund of this credit balance. 

Under Regulation Z ( Truth in Lending Act, 12 CFR 1026.11 ( a ) ( 2 ) ), a creditor must refund any part of a remaining credit balance within seven business days of receiving a consumers request. 

Despite this clear legal requirement, FNBO has failed to send my refund and has instead repeatedly delayed and provided inconsistent explanations. Last week, when I called FNBO customer service, I was told to call at the end of the week and that it would be resolved then. When I called again today, XX/XX/year>, and spoke with a supervisor, I was told again to wait until the end of the week because they cant reissue the refund yet. 

This repeated wait until the end of the week answer demonstrates a pattern of delay and failure to comply with 12 CFR 1026.11 ( a ) ( 2 ). Standard banking practice allows for immediate stop-payment and reissuance if a refund check is lost or delayed ; FNBOs explanation that they must wait 21 business days is not consistent with federal law. 

Requested Resolution : I request that FNBO immediately issue my {$70.00} refund ( via check or direct deposit ), and that the CFPB investigate FNBOs refund practices to ensure they are complying with Regulation Z.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am trying to purchase a car but I can not see my Equifax report because they have an Internal block or XXXX XXXX on my file. I sent in a copy of my ID and Social but they are saying that they haven't received it. This is keeping me from seeing my report so that I will know if I can get approved for a car or see what I need to do so that I can improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I requested services from XXXX XXXX  to repair my credit, they charge me up from around {$300.00} then monthly payments about {$99.00} I only paid XXXX months plus the initial payment since the only thing they work on was removing incorrect names from my credit report which in XXXX months no difference on my credit score changed and up till now those names still appear on my report. I contacted XXXX XXXX and they told me it was a process and the XXXX step was starting with name then birth date, address and finally accounts. XXXX  months passed nothing was removed and credit score never changed not even XXXX point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB COMPLAINT has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 that you, TransUnion credit reporting agency, block 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, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> under the account number XXXX with a balance of XXXX in these accounts have resulted in collections in several hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All is questionable as well appearing on my consumer XXXX CREDIT REPORT. I do not recognize the aforementioned accounts, collection and hard inquiries as reported! The aforementioned accounts, collection and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me! All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts collection and hard inquiries 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all XXXX major credit reporting agencies. I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: DC

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 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