vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
Re : Formal Complaint and Legal Dispute XXXX XXXX XXXX ( Account # XXXX ) Violation of FCRA 611 [ 15 U.S. Code 1681i ], FCRA 607 ( b ) [ 15 U.S. Code 1681e ( b ) ], and FDCPA Dear CFPB Complaint Resolution Officer, I am submitting this formal dispute and complaint regarding the inaccurate and legally non-compliant reporting by XXXX XXXX XXXX ( Account # XXXX ), as reflected in my credit report. I am requesting the immediate deletion of this account due to multiple violations of federal law including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Disputed Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Charged off Balance : {$10000.00} Credit Limit : {$10000.00} Date Opened : XX/XX/XXXX Last Activity : Inconsistently reported ( XX/XX/XXXX vs. XX/XX/XXXX ) Current Payment Status : Collection/Charge-off Grounds for Dispute and Legal Violations : 1. Inaccurate and Inconsistent Reporting ( Violation of FCRA 607 ( b ) ) 2. The account lists different last activity dates : XX/XX/XXXX vs. XX/XX/XXXX, which is factually impossible and suggests that this tradeline is being improperly updated, potentially to re-age the debt. This is a clear violation of FCRA 607 ( b ), which mandates maximum possible accuracy. 

3. Unverifiable and Stale Debt ( Violation of FCRA 611 ( a ) ) 4. This account was opened in XXXX and charged off by XXXX. It has exceeded the 7-year reporting limit under FCRA 605 ( a ) ( 4 ), which prohibits reporting accounts in charge-off status older than 7 years from the date of first delinquency. This account must be permanently deleted, not merely updated. 

5. Re-aging the Account to Mislead or Extend Reporting Period ( Violation of FDCPA and FCRA ) 6. Reporting activity as recent as XXXX for a charged-off account from XXXX is misleading and unlawful. The practice of re-aging debts to continue reporting beyond the legal time frame violates both the FDCPA and FCRA.

7. Lack of Monthly Payment Obligation Misrepresents Account Type 8. A $ XXXX  monthly payment but continued reporting of a high balance gives the impression that the debt is active, even though it is closed and charged off. This can mislead lenders and artificially damage my credit standing.

9. Consumer Dispute Flags Not Visible 10. According to FCRA 611 ( b ), once a consumer has disputed an account, the tradeline must be marked as disputed by consumer. The current reporting does not reflect any dispute remarks. This is a clear violation and another reason to demand deletion.

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 2025-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NH

Complaint narrative:
I am writing to formally file a complaint regarding a loan I entered into with OneMain Financial, located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NH. The loan was initiated on XX/XX/year>, under account number XXXX, for an amount financed of {$5300.00}. 

Upon reviewing my loan agreement, I noticed that the disclosed Annual Percentage Rate ( APR ) is 35.99 %, and the contract interest rate is 34.89 %. The agreement also includes a {$100.00} application fee, which may not have been properly accounted for in the APR calculation. The total finance charge exceeds {$5400.00}, which is greater than the amount I borrowed. 

According to RSA 399-A:12, the maximum APR allowed on small loans under {$10000.00} in New Hampshire is 36 % , inclusive of all fees. This loan appears to be at or possibly above the legal limit when considering the total cost of credit. Additionally, the loan structurewhere interest and fees exceed the principalraises serious concerns regarding predatory lending practices and potential violations of the New Hampshire Consumer Protection Act ( RSA 358-A ). 

I respectfully request that your office review this agreement and determine whether this loan violates the New Hampshire Small Loan Act or any other state consumer lending laws. 

Please confirm receipt of this complaint and advise me on any next steps or documentation you require. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXXXXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-11 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXXXXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint to formally dispute inaccurate and unauthorized personal identifying information appearing on my credit reports from TransUnion, Experian, and Equifax. Despite multiple attempts to correct these issues directly with the credit bureaus, my consumer reports still reflect outdated and incorrect addresses I never lived at, never approved, and never used for any credit-related purpose. 

These errors were discovered during a thorough review of my credit file while preparing an identity theft complaint with the Federal Trade Commission ( FTC ). I also provided each bureau with proper identification, proof of current residency, and a copy of my FTC Identity Theft Report. Despite this, the inaccurate information remains, negatively impacting my credit, housing opportunities, and job prospects. 

This situation appears to be a result of either negligent data handling or unauthorized access to my credit file. Under the Fair Credit Reporting Act ( FCRA ) : * * * 1681e ( b ) * * requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy.

* * * 1681i ( a ) * * obligates them to reinvestigate and correct or delete disputed data within 30 days.

* * * 1681g ( a ) ( 1 ) * * entitles me to a full file disclosure, including sources of reported data.

* * * 1681c * * prohibits the inclusion of outdated or obsolete personal identifiers. 

Furthermore, reporting unauthorized addresses may violate * * 604 ( a ) ( 2 ) * *, which limits access to consumer files to cases involving permissible purpose. The presence of such addressesespecially if linked to fraudulent or unauthorized activitysignals possible identity theft and breaches permissible use provisions. 

* * Only the following personal information should appear on my report : * * * * * Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Relief : * * * Permanently delete all incorrect addresses and unverified personal identifiers. 
* Update my credit reports to reflect only my verified current information. 
* Provide written confirmation of these corrections. 

I request CFPB intervention to ensure the credit bureaus comply with their obligations under federal law. I am also prepared to escalate this to the Office of the Attorney General, the FTC, and seek legal representation for damages under * * FCRA 1681n * * if this matter is not resolved promptly.

Supporting documents, including a government-issued ID, lease, utility bill, and FTC Identity Theft Report, are available upon request or already submitted to the bureaus.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to formally dispute inaccurate and unauthorized personal identifying information appearing on my credit reports from TransUnion, Experian, and Equifax. Despite multiple attempts to correct these issues directly with the credit bureaus, my consumer reports still reflect outdated and incorrect addresses I never lived at, never approved, and never used for any credit-related purpose. 

These errors were discovered during a thorough review of my credit file while preparing an identity theft complaint with the Federal Trade Commission ( FTC ). I also provided each bureau with proper identification, proof of current residency, and a copy of my FTC Identity Theft Report. Despite this, the inaccurate information remains, negatively impacting my credit, housing opportunities, and job prospects. 

This situation appears to be a result of either negligent data handling or unauthorized access to my credit file. Under the Fair Credit Reporting Act ( FCRA ) : * * * 1681e ( b ) * * requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy.

* * * 1681i ( a ) * * obligates them to reinvestigate and correct or delete disputed data within 30 days.

* * * 1681g ( a ) ( 1 ) * * entitles me to a full file disclosure, including sources of reported data.

* * * 1681c * * prohibits the inclusion of outdated or obsolete personal identifiers. 

Furthermore, reporting unauthorized addresses may violate * * 604 ( a ) ( 2 ) * *, which limits access to consumer files to cases involving permissible purpose. The presence of such addressesespecially if linked to fraudulent or unauthorized activitysignals possible identity theft and breaches permissible use provisions. 

* * Only the following personal information should appear on my report : * * * * * Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Relief : * * * Permanently delete all incorrect addresses and unverified personal identifiers. 
* Update my credit reports to reflect only my verified current information. 
* Provide written confirmation of these corrections. 

I request CFPB intervention to ensure the credit bureaus comply with their obligations under federal law. I am also prepared to escalate this to the Office of the Attorney General, the FTC, and seek legal representation for damages under * * FCRA 1681n * * if this matter is not resolved promptly.

Supporting documents, including a government-issued ID, lease, utility bill, and FTC Identity Theft Report, are available upon request or already submitted to the bureaus.

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 2025-06-11 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: FL

Complaint narrative:
I am writing under 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act to request a full description of the procedures used to verify the accuracy of several disputed items on my credit report. This includes the name, address, and phone number of any furnisher contacted, the method of verification, and all supporting documentation used. The following items are inaccurate or unverifiable : incorrect personal information ( names, addresses, employers ), unauthorized inquiries XXXX XXXX on XX/XX/year> and XXXXXXXX XXXX  on XX/XX/year> ), and accounts with inconsistent or unproven details, including XXXX and XXXX. If you can not verify these items with complete and accurate documentation, they must be deleted immediately, as required by 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ( B ). Failure to comply may result in legal action under 15 U.S.C. 1681n and 1681o. I expect a full response within 15 days, as provided by law.

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 2025-06-11 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: LA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Date : XX/XX/year> Merchant : XXXX XXXX XXXX XXXX XXXX  Merchant Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$810.00} USD ; {$16000.00} XXXX XXXX  While traveling overseas, I visited a pharmacy where I intended to purchase medication. Approximately two-thirds of the items had price tags ; the rest did not. I asked the cashierwho spoke mostly XXXX and very limited XXXX much the unmarked items cost. She quoted me a price verbally ( significantly lower than what I was ultimately charged ). 

I handed her my American Express card to pay. She processed the transaction and quickly handed me a receipt to sign. Only after signing did I see that I had been charged nearly {$4000.00} MXN ( XXXX Pesos ) more than the amount she had verbally quoted. 

When I questioned the overcharge, she pointed to a sign stating, All Sales Are Final. I immediately called AMEX from the store and spoke with a fraud specialist. He advised me to take photos of the products and signage and told me I had two options : take the merchandise or leave it. I explained that I was uncomfortable accepting the goods under the circumstances and wanted to dispute the charge. He assured me that there would be no issue with the dispute, noting that these types of situations happen frequently when traveling internationally. 

Once I returned home, I formally disputed the charge. Despite providing all requested documentation and following AMEXs instructions to the letter, my dispute was deniedtwice. I then filed a complaint with AMEX directly, which was also denied. Throughout this process : AMEX never requested a statement from the merchant, AMEX refused to provide a transcript of the call I made from the store, I have no merchandise in my possession related to the charge, And I followed all directions given to me by their fraud representative in real time. 

I believe I was misled by the merchant and that AMEX has failed to properly support and protect me as a cardholder, particularly given that I relied on their live guidance when the issue occurred. Im seeking a full refund for the amount charged and a proper review of the case, including acknowledgment of the guidance I received during the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
There is a collection notice on my credit report. I have never heard of the company that is making the report. I have been in a XXXX XXXX  Bankruptcy since XXXX  and this is not a creditor. I have contacted them and they will not provide me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$200.00} written off. 

SELF FINANCIAL/LEAD BANK Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$6400.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy/Never late. 

XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$160.00} written off. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXX 

XXXXSELFXXXX  Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. 

SELF/SOUTHSTATE BANK Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$51.00} Status Collection account. {$51.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Collection account. {$240.00} past due as of XX/XX/XXXX. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$880.00} written off. 

XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX bankruptcy XXXX Potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I recently checked my credit report and noticed I have a fraudulent account on my credit. This account is fraudulent ; please delete it from my credit report. Also, I did not initiate any inquiry into my credit. Please delete inquiry from 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 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief