vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS ARE ALL FRAUDULENT AND NEVER AUTHORIZED BT ME. THESE ACCOUNTS NEED TO BE PERMANENTLY DELETED FROM MY CONSUMER REPORT IMMEDIATELY... XXXX XXXX  {$580.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
To the Credit Bureaus ( XXXX XXXX XXXX ) [ XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX  ] [ XXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Dispute of Inaccurate Credit Reporting Paid-Off Account To Whom It May Concern : I am writing to dispute inaccurate information on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ).

The account in question is reported by OneMain Financial,. According to my records and supporting documentation, this account was paid in full on XX/XX/XXXX and should reflect a {$0.00} balance with a status of Paid in Full or Closed Satisfied. The current reporting of an outstanding balance and/or delinquency is false and must be corrected.

Under the FCRA, you are required to : 1. Conduct a reasonable investigation of my dispute ( Section 611 ( a ) ( 1 ) ) 2. Review all relevant information I provide 3. Correct or delete any information that is inaccurate or can not be verified ( Section 611 ( a ) ( 5 ) ) If the accuracy of this account can not be verified within 30 days, it must be deleted from my credit file.

Enclosed are : Proof of payoff from OneMain Financial Correspondence confirming account closure and {$0.00} balance A copy of my ID and a recent utility bill for identity verification Please send me the results of your investigation in writing within 30 days, as required by the FCRA. 

Sincerely, [ XXXX [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I have observed that incorrect accounts continue to appear on my credit report, and they have not been removed. I request that the documents Ive attached be carefully reviewed so I can be assured this problem will never trouble me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to correct multiple inaccuracies on my credit report despite repeated disputes and submission of supporting documentation. This is now the second month I have attempted to resolve these issues directly with the credit bureaus without success. 

Both disputes described below were submitted directly by me, XXXX XXXX, not by any third party. I clearly stated this in every letter I have sent, and I have included proper documents with each submission. Despite this, the credit bureaus have wrongfully claimed that an unauthorized third party was involved. 

Part 1 Inaccurate Personal Information and Collections I previously disputed incorrect personal information and two collection accounts that continue to appear on my credit report despite my disputes. The disputed items are : Incorrect previous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) Collection accounts : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I requested that the bureaus provide evidence that these items were verified, including the name and business address of the person contacted, the date of contact, the method of communication, and whether my Social Security number, address, or date of birth were provided. None of this information has been provided. 

Part 2 Inaccurate Payment History ( Billing Error 15 U.S.C. 1666 ) Thirty-five days ago, I submitted a separate billing error dispute regarding inaccurate late payment reporting on my account with XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX. The late payment entries remain despite the fact that my dispute was based on : Failure to accurately reflect a payment or credit issued Computation or accounting errors by the creditor Lack of proper advance notice before assessing late fees or reporting late payments The credit bureaus have not provided documentary evidence that the late payments are accurate. They have also failed to provide the name and contact information of the person or entity that verified the payment history, the date of contact, and the method of verification used.

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 2025-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX Transactions that I did not authorized. Credit card XXXX interest for 12 months did not appleid. Start date XX/XX/year> to XX/XX/year>. When I open a dispute for lost or stolen card the representative told me its my responsibility and not their problem. I was on auto pay but they were charging me XXXX percent interest on the fraudulent charges. I got charged over XXXX dollars on interest only.

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 2025-08-14 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: TX

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 explanation
Consumer complaint received 2025-08-14 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: TX

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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: FL

Complaint narrative:
chime XXXX gave me a {$200.00} installment loan in XX/XX/. I paid XXXX payments. {$70.00} in mid XXXX, {$70.00} XXXX XXXX and {$70.00} late XXXX or XXXX XXXX they did not post until XX/XX/XXXX, but it was not 30 days late. Chime XXXX reported to the credit bureaus the first 2 payments, XXXX in XXXX and XXXX in XXXX but failed to report my final payment in XXXX or XXXX so I filed a dispute with XXXX  XXXX XXXX and XXXX. Chime reported back XX/XX/XXXX to XXXX  that the balance of {$70.00} still owing was correct despite that the final payment of {$70.00} was made XX/XX/2025 and there was now as of XX/XX/XXXX a XXXX balance. they said the {$70.00} balance was correct at the time they reported it but they failed to realize that as of XX/XX/XXXX there was now a XXXX balance. 
Chime XXXX on purpose did not want to report accurate information and lied to the credit bureau. Chime XXXX needs to be sanctioned. Proof enclosed on the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a personal loan with Citibank, with a scheduled payment of {$460.00} due on XX/XX/XXXX. I contacted Citi in advance to inform them that I would be unable to make the payment until XX/XX/XXXX due to temporary financial hardship. 

Despite this notification, after only XXXX calendar days of delay, my loan balance was increased to {$1000.00}. This is more than double the original amount owed and is excessive and abusive. 

I requested a detailed written explanation of how this charge was calculated and a reversal of any unjustified fees, but Citi has not provided this information. 

Their actions have also negatively affected my credit score. I believe these charges are unfair and may violate federal consumer protection laws. I am requesting a full investigation and a resolution, including the reversal of any excessive or abusive charges.

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 non-monetary relief
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-14 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: MS

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, 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 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I want to file a complaint against XXXX XXXX  and XXXX  about the company world finance.They put a loan on my credit report that I never took with them and they acquired it from another company and I was never notified and there are inaccurate and inconsistent information on this account and I have requested a copy of the loan and payment history from the company several times and they say they will send it and never do.I have disputed this over and over with XXXX  and asked them to verify the validity and accuracy of the account and when I dispute they just come back very quickly and say we verified when I am sure they didn't and I would like some proof from them on the verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive exceeded my refunds for the year so for the past 6 weeks Ive been swiping my card and going negative. I understand my refunds are up for the year but seriously, I have 2 kids a mortgage, and Im working part time because of a XXXX XXXX trying to meet ends meet every week where I pay XXXX a week for going over - {$50.00} when I pay it back every Thursday when I get my direct deposit. Chase bank is one of the biggest bank in the world and they told me they cant stop me from going negative on which I asked numerous time to cut me off. Of course I will keep swiping my card for gas and food to get to work. I need this small bit of money theyre taking for diapers and groceries for my family every week then they need mine. Please help me, all I want is all my refunds returned and to have the system not let me go into negatives. If I have the option to go negative I will swipe for my family. They told me they can not change the system. How can Chase bank not make sure that when I have XXXX dollars left i can not take anymore money? All I want is all my money back in refunds and cut me off at XXXX like Ive asked

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 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: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On multiple occasions ( XX/XX/year>, and XX/XX/year> ), I formally requested full debt validation for an account Portfolio Recovery Associates is reporting to the credit bureaus. My requests were sent in writing and included specific demands for : The name and contact information of the original creditor A full account history showing the alleged debt amount, including interest, fees, and payments made A copy of the signed contract or agreement bearing my signature Proof that Portfolio Recovery Associates has legal authority to collect the debt Documentation showing the legal transfer or assignment of the account to Portfolio Recovery Associates FDCPA Violations ( 15 U.S.C. 1692g ) Portfolio Recovery Associates failed to provide the requested debt validation within the statutory timeframe. 

Continued to engage in collection activity by reporting to credit bureaus without first providing the validation requested. 

Did not cease collection efforts pending validation. 

FCRA Violations ( 15 U.S.C. 1681s-2 ) Furnished inaccurate and unverifiable information to consumer reporting agencies. 

Failed to conduct a reasonable investigation after receiving my disputes. 

Failed to mark the account as disputed on my credit report during the investigation period. 

Continued reporting of disputed, unverified, and potentially inaccurate information, damaging my creditworthiness. 

Impact : This continued reporting of unverified debt has caused harm to my credit score, denied me access to favorable financial terms, and created emotional distress.

Resolution Requested : Immediate removal of the account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX 

Written confirmation of permanent deletion of the account. 

Assurance of compliance with FDCPA and FCRA regulations to prevent further harm. 

Supporting Evidence : I have attached copies of my original debt validation requests ( dated XX/XX/year>, and XX/XX/year> ), my follow-up communication ( XX/XX/year> ), and proof of delivery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
This account is being reported inaccurately and does not meet the accuracy, completeness, or verifiability standards required by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Specifically : I have no contractual agreement with the reporting entity. 

Account : {$220.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX original signed agreement or verifiable account statements have been provided to substantiate this debt. 

Under FCRA 611 ( a ), you are required to conduct a reasonable investigation and remove or correct any information that can not be verified within 30 days of receipt of this notice. 

Provide a complete method of verification including the name, address, and telephone number of the furnisher of this information. 

Remove this inaccurate account from my credit report if the furnisher can not produce original, verifiable documentation proving the debt and its accuracy.

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