vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am demanding immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. You are currently reporting false, incomplete, and damaging information on my credit report. Your continued failure to ensure accuracy after prior disputes is willful noncompliance. I will not tolerate the ongoing publication of false data. 

XXXX XXXX This account is being reported in clear violation of the Fair Credit Reporting Act and Metro 2 standards. You continue to furnish derogatory data that is false, incomplete, and unverifiable. Your reporting shows charge-off and collection status at the same time, which is inconsistent and misleading. Under FCRA 1681s-2 and 15 USC 1692, you are prohibited from reporting inaccurate or duplicative information. This constitutes willful noncompliance and continued publication of damaging false data. I demand that you permanently delete this account from my credit report. Failure to correct this knowingly inaccurate reporting leaves you fully liable for violating my consumer rights. 

XXXX XXXXXXXX XX/XX/XXXX This inquiry is not mine. Permanently delete this from my credit report immediately. 

XXXX XX/XX/XXXX This inquiry is not mine. Permanently delete this from my credit report immediately. 

XXXX XX/XX/XXXX This inquiry is not mine. Permanently delete this from my credit report immediately. 

Incorrect Names XXXX XXXXXXXX, A This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX This XXXX inaccurate. Permanently delete this from my credit report immediately. 

Incorrect XXXX XX/XX/XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

Incorrect EmployerXXXX XXXX XXXX XXXX XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX This is inaccurate. Permanently delete this from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I c systems is attempting to collect a debt over 7 years old

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 2025-10-02 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: NC

Complaint narrative:
I am filing this complaint because [ Experian XXXX XXXX XXXX XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
XXXX is inaccurately reporting a balance of over {$600.00} on my credit report even though my account history clearly shows I paid the balance in full. Their reporting is not consistent with my actual account activity and violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, my account showed a balance of {$670.00}. 
I made the following payments : {$100.00} on XX/XX/year> {$100.00} on XX/XX/year> {$100.00} on XX/XX/year> {$380.00} on XX/XX/year> These payments total {$680.00}, which is the exact balance owed. 
After the final payment on XX/XX/year>, my account balance was updated to {$0.00} ( screenshot attached ). 

Despite this, XXXX continues to report to the credit bureaus that I owe over {$600.00}. This is factually inaccurate. 

I contacted XXXX support, and their representative admitted my account had multiple payments applied but still tried to claim I owed {$100.00}. This is contradicted by my account records, which show the balance was fully paid and closed out. 



Violation of Law : This conduct violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers of credit information not to report inaccurate or incomplete information. XXXX has reasonable cause to know their reporting is false since my account clearly shows a XXXX balance.

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 2025-10-02 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-02 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
XXXX  is being cut out of the lending process because of this exact malfunction in their system. On Thursday XX/XX/year> I called XXXX  and explained on Avant credit has pulled my credit in XXXX and opened an account through a credit card. They are on the card but they use XXXX. They acknowledge fraud and close the account but they mark my credit with errors. If they acknowledge that something is fraud then they should do the logical and remove this mark from my credit. Avant needs to write to all 3 credit Bureaus asking them to remove negative marks on my credit immediately. They made a mistake and they need to fix this mistake. I am unable to get a home loan and auto loan at the same rate because of there error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Multiple unauthorized hard credit inquiries have appeared on my credit reports across XXXX, XXXX, and XXXX. I did not authorize these pulls, did not submit applications, and did not consent to any hard inquiries. These are damaging my credit unfairly and may be related to identity fraud. 

Below are the inquiries by company and date : Regions Bank XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for loans, credit cards, or financing with any of these companies on the listed dates. I have disputed directly with the bureaus and creditors, but they have not provided any signed or electronic authorization forms, as required under FCRA 604. Since no proof of authorization has been provided, these inquiries are inaccurate and harmful to my credit profile.

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 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a phone call from One main financial stating that my loan was past due. Ive been a customer from One main Financial since XXXX bhut refinanced XX/XX/XXXX. I asked the agent when did my loan become past due. Agent advised me I have been past due since XX/XX/XXXX. I make my payment in the amount of XXXX on a biweekly basis and its automatically drafted from my personal bank account. The agent did not see that I had missed a payment and placed me on hold to speak with their supervisor. I was then transferred to the Supervisor named XXXX. XXXX explained again that I had missed a 1 payment of XXXX on XX/XX/XXXX and another one XX/XX/XXXX. It has been over a year and I was never notified via mail, email or phone call of any missed payment. However, One main financial has been drafting XXXX late fee for over 18 months without notifying me. They are pulling the late charge prior to applying my payment to principal and interest first. If I had not received a phone call today, they would still be charging me fees with out any notification. I have paid over XXXX in late charges and they advised there was nothing they could do for previously paid late fees but can only adjust it going forward. This is abuse and deceptive business practices because If I would have known of the missed payment I could have rectified the issue. One main continues to collect late charges for me for their own financial gain. They are satisfying the late fee before applying my principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing these unauthorized hard inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-02 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
The debt collector Nordstrom/TD Bank engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Also, the proper 5 step validation procedure wasnt followed. Which makes this unfair practice, according to the FDCPA Im entitled a XXXX dollars per violation and obviously they violated my rights. These false allegations have made my life hard because I was denied credit cards, home and car loans. Not having a car caused me to lose my job. Without the home loan causes me and my child to be homeless. My XXXX year old was denied private school due to the denied credit cards for me to afford her education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
My vehicle was wrongfully repossessed.. 
Due to the companys negligence! Ive had new auto insurance since XX/XX/2025 My auto finance company Lobel financial Never updated my account with the information after repeatedly telling them that I have new insurance and also sending and email of the insurance to the requested email address. 
Theyve considered my payment late because of the interest fee they failed to remove and now because of that they are repossessing my car. And still have not credited the account for that month of having insurance. They are now requiring me to pay a repossession fee on top of the payment with the interest still included. They have not removed the interest fees even after providing them with the insurance information again on the phone. My credit score will take a 7 year major hit because of this! This is extremely unfair I have proof of my insurance

Company response to consumer: Closed with explanation