vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information - Account Ending in XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : Ending in XXXX XXXX ( last 4 digits ) : XXXX To Whom It May Concern, I am writing to dispute the accuracy and completeness of the above-referenced account appearing on my credit report. 
This account, listed by XXXX XXXX XXXX XXXX XXXX ( XXXX ), is inaccurate and unverifiable. 
XXXX has acknowledged in a written response to my complaint ( via the Consumer Financial Protection Bureau ) that : - The debt was purchased on or about XX/XX/XXXX. 
- Their initial notification was sent around XX/XX/XXXX. 
- They claim my dispute was " untimely '' and therefore refused to provide debt validation. 
- They ceased all communication regarding this account and notified the credit bureaus that the account is disputed. 
Despite my dispute, XXXX did not provide any proper validation of the debt ( such as a signed agreement or itemized statement ). As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you : 1. Conduct a full reinvestigation into this account. 
XXXX. Remove or delete this account from my credit report if it can not be fully verified. 
XXXX. Include a statement that this account is " disputed by consumer '' if it remains while under investigation. 
Please provide a written response of your findings, including a revised copy of my credit report. 
Enclosed are : - A copy of my government-issued ID. 
- A utility bill ( or other proof of address ). 
- XXXX 's response letter from the CFPB ( attached ). 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I purchased GAP insurance with my secured loan, my car as collateral. I was told that it would cover Everything, its 194 % of the value of the car if its totaled. On XX/XX/XXXX, my car was totaled and the insurance company paid OneMain {$3000.00}. So the GAP coverage was {$5800.00}, my loan pay off was {$6300.00}. So, {$3000.00} + $ XXXX {$8900.00}, clearly enough to pay EVERYTHING, like I was told. However, OneMain is saying, I owe them {$770.00} due to accrued interest and late fees ( I was paid up to date on my loan the day of the accident ). I called them on XX/XX/year> and spoke to a Supervisor but all he kept doing was reading the fine print saying that, if the loan was modified ( which mine was ), they dont cover the accrued interest. Its not right that I was told one thing and they sneaked in that clause. Very upset, this isnt right, they should cover the entire amount, thats why I purchased the extra coverage to protect me from this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: VA

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. ( NAME OF THE COMPANY ) 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 OF THE COMPANY ) 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 XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) 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. XXXX XXXX XXXX XXXX - 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. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

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 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 2025-07-15 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-07-15 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: DC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told the Experian, Transunion, and Equifax to reinvestigate this accounts : XXXX XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make
any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this collection off of my credit card report thank you.

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 2025-07-15 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: GA

Complaint narrative:
Requested why I am not allowed to pay the debt in XX/XX/year> and XX/XX/year>. I told XXXX that if they dont give me access to pay online, in person, or over the phone that this will negatively affect my XXXX XXXX. They did not help me resolve the issue. 
XXXX XXXXXXXX XXXX XXXX XXXX. Business Account Pay in XXXX Supervisor : XXXX XXXX ID XXXX XXXX TurboTax MVB Bank Requested why I am not allowed to pay the debt in XX/XX/year> and XX/XX/year>. I told XXXX that if they dont give me access to pay online, in person, or over the phone that this will negatively affect my credit score. They did not help me resolve the issue. 

XXXX XXXX Account to Attached XXXX Online Banking XXXX XXXX Electronic Money Movement : Option Once the account is closed File Complaint : XXXX & CFPB XXXX XXXX $ XXXX Showing as delinquent account when its not. 
Add on XXXX XXXX in 4. Called and XXXX wont allow XXXX to pay stating they doesnt see the account but they emails are still sent Attorney XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX connector number XXXX XXXX Banker Blonde Short XXXX XXXX XXXX XXXX Banker : XXXX XXXX : Bank Override Client called to get guidance on rejected transactions. XXXX Bank instructed me to make the specific transactions then they chose to end the relationship. 
XXXX Division Bad Business Practice & Discrimination Only team that can override is the legal and screening department and they dont tell the bank reps why Fraud guided client to come into the bank just to be told no. Standard procedure policy Account is restricted and not closed as of XX/XX/year> Bank wants XXXX to be removed from joint XXXX Refund check File a complaint I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 
Allow me to pay the debt in full and remove it for all credit bureaus. 
In good faith I attempted to pay the debt. Check XXXX Banks phone records.

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 2025-07-15 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: GA

Complaint narrative:
Requested why I am not allowed to pay the debt in XX/XX/year> and XX/XX/year>. I told XXXX that if they dont give me access to pay online, in person, or over the phone that this will negatively affect my credit score. They did not help me resolve the issue. 
XXXX XXXX XXXX Bank, XXXX. Business Account Pay in XXXX Supervisor : XXXX XXXX ID XXXX XXXX TurboTax MVB Bank Requested why I am not allowed to pay the debt in XX/XX/year> and XX/XX/year>. I told XXXX that if they dont give me access to pay online, in person, or over the phone that this will negatively affect my XXXX XXXX. They did not help me resolve the issue. 

XXXX XXXX Account to Attached XXXX Online Banking XXXX XXXX Electronic Money Movement : Option Once the account is closed File Complaint : XXXX & CFPB XXXX XXXX $ XXXX Showing as delinquent account when its not. 
Add on XXXX XXXX in XXXX. Called and XXXX wont allow XXXX to pay stating they doesnt see the account but they emails are still sent Attorney XXXX XXXX XXXX Sparks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX connector number XXXX XXXX Banker Blonde Short XXXX XXXX XXXX XXXX Banker : XXXX XXXX : Bank Override Client called to get guidance on rejected transactions. XXXX Bank instructed me to make the specific transactions then they chose to end the relationship. 
XXXX Division Bad Business Practice & Discrimination Only team that can override is the legal and screening department and they dont tell the bank reps why Fraud guided client to come into the bank just to be told no. Standard procedure policy Account is restricted and not closed as of XX/XX/year> Bank wants XXXX to be removed from joint XXXX Refund check File a complaint I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 
Allow me to pay the debt in full and remove it for all credit bureaus. 
In good faith I attempted to pay the debt. Check XXXX Banks phone records.

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 2025-07-15 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: GA

Complaint narrative:
Requested why I am not allowed to pay the debt in XX/XX/year> and XX/XX/year>. I told XXXX that if they dont give me access to pay online, in person, or over the phone that this will negatively affect my credit score. They did not help me resolve the issue. 
XXXX XXXX XXXX Bank, XXXX. Business Account Pay in XXXX Supervisor : XXXX XXXX ID XXXX XXXXXXXX XXXX XXXX Bank Requested why I am not allowed to pay the debt in XX/XX/year> and XX/XX/year>. I told XXXX that if they dont give me access to pay online, in person, or over the phone that this will negatively affect my credit score. They did not help me resolve the issue. 

XXXX XXXX Account to Attached XXXX Online Banking XXXX XXXX Electronic Money Movement : Option Once the account is closed File Complaint : XXXX & CFPB XXXX XXXX $ XXXX Showing as delinquent account when its not. 
Add on XXXX XXXX in XXXX. Called and XXXX wont allow XXXX to pay stating they doesnt see the account but they emails are still sent Attorney XXXX XXXX XXXX Sparks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX connector number XXXX XXXX Banker Blonde Short XXXX XXXX XXXX XXXX Banker : XXXX XXXX : Bank XXXX Client called to get guidance on rejected transactions. XXXX Bank instructed me to make the specific transactions then they chose to end the relationship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only team that can override is the legal and screening department and they dont tell the bank reps why Fraud guided client to come into the bank just to be told no. Standard procedure policy Account is restricted and not closed as of XX/XX/year> Bank wants XXXX to be removed from joint XXXX Refund check File a complaint I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 
Allow me to pay the debt in full and remove it for all credit bureaus. 
In good faith I attempted to pay the debt. Check XXXX Banks phone records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts that have appeared on my credit report as a result of identity theft. This letter is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which permits victims of identity theft to block fraudulent information from their credit files. 

I have attached my FTC Identity Theft Report ( Report XXXX. XXXX ), which provides official documentation of the identity theft I am experiencing. I am the victim of identity theft due to a data breach, and several unauthorized accounts were fraudulently opened using my personal information without my knowledge or consent. 

Below are the fraudulent accounts that must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Amount : {$8800.00} Please also note that the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX is not associated with me and should be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief