vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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 am a victim of identity theft. A personal line of credit account was fraudulently opened in my name without my knowledge or authorization. The account does not belong to me, and I have never applied for or used this account. Despite several written disputes and requests for verification, the company has failed to provide any supporting documentation proving that this account is valid or that I am responsible for it. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the account is fraudulent, but it continues to appear on my credit file. The company has not provided a copy of any signed application or agreement showing I opened this account, verification of the alleged debt, any documentation linking me to this account beyond what appears to be computer-verified information. I have also requested removal of this account multiple times and cited my status as a victim of identity theft, but the company continues to report this account. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the company to immediately delete this fraudulent account from my credit reports, provide verifiable documentation that proves I am responsible for this account, and cease all collection activity related to this account in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure this fraudulent account is investigated properly and permanently removed from my credit history. 

Fraudulent account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$9600.00}

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-10-31 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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.

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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I applied for a {$5500.00} personal loan through XXXX XXXX application on XX/XX/year>, which showed an offer from OneMain Financial. The offer clearly stated that it was a personal loan with simple fixed terms and no mention of any vehicle title requirement. It also included a XXXX Guarantee that said I would be approved or receive {$50.00}. 

However, after I submitted my application and Approved, OneMain Financial contacted me and said that in order to get the loan, I needed to provide my vehicle title.!!!! This requirement was never disclosed in the original offer. I also was not informed that a hard inquiry would be performed on my credit report. 

This is misleading advertising and an unfair practice. I did not authorize a hard inquiry for a title-based loan, and I want the inquiry removed from my credit report. I am also requesting that OneMain Financial cancel my loan application and delete my personal information from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: OR

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I was informed via text message from a Credit Collection Service that my debt was being collected from XXXX insurance. I immediately contacted them to get more information and was advised that my debt was owed due to a policy change. However, my policy was canceled two days prior to my car insurance policy renewal. I explained to them that I do not owe anything because I canceled my insurance prior to policy renewal, they advised me this is because I had to give 30 days notice before canceling a policy. I asked for more information on this policy because I was not able to find anything and was advised that they did not have this information. On XX/XX/XXXX, I sent them a registered letter to inform them of my dispute on these charges and to ask for no further communication since then they have called and text me threatening to report me to the credit bureau. I have documentation showing and receipt of the letter on XX/XX/XXXX at this time they have not stopped contacting me or threatening me to report to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Balance has not been updated since making several payments and debt collectors are trying to say I still owe full amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I am stuck under a temporary hardship plan with XXXX, which is about to expire, and the situation is completely unacceptable. Despite making every payment on time, my balance is still growing because of outrageously high interest rates XXXX at 11.5 % and the others between 68 %. XXXX structured these loans in a way that makes it nearly impossible to make progress, and their so-called temporary relief is a meaningless bandaid. 

On top of that, XXXX has falsely reported me as delinquent to the credit bureaus, even though I have been making all payments on time and are currently on a hardship plan. When I call them to correct it, they deny it or tell me to have other people call them, rather than taking responsibility and fixing their own mistake. This false reporting is holding me back from refinancing and feels illegal. 

I am a full-time special education teacher supporting students, while also caring for a XXXX parent. Despite doing everything right, XXXX predatory and dishonest practices are actively ruining my life, keeping me from financial stability, homeownership, and any chance to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
Charged-Off / Public Record Bankruptcy File No : XXXX Date : XX/XX/XXXX XXXX : {$0.00} Bankruptcy File No : XXXX Date : XX/XX/XXXX Amount : {$0.00} Bankruptcy File No : XXXX Date : XX/XX/XXXX Amount : {$0.00} These bankruptcy listings appear duplicative or potentially inaccurate. I request that Experian verify each one individually with the appropriate court of record, confirm whether multiple filings actually exist, and ensure that only verified and relevant information remains on file. Any unverifiable or duplicate entries should be deleted immediately. 

Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX I am requesting verification of these inquiries, including the permissible purpose and documentation of my authorization. If they were made without my consent, they should be removed from my credit report.

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 2025-10-31 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: IL

Complaint narrative:
I respectfully ask that you investigate the following accounts that appear to contain discrepancies or incomplete information. Please review these accounts carefully and make any necessary corrections to my credit report. 

Disputed Accounts : Charged Off Accounts : XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$840.00} XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : No inquiries listed for XXXX. 

Late Payments : No late payments listed for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
CFPB Complaint Unauthorized Transaction Dispute Denial ( Chime / The XXXX XXXX  ) Who are you complaining about? 
Chime Financial , Inc. ( partner bank : The XXXX XXXX, XXXX. or XXXX XXXX, XXXX. ) What happened : On XX/XX/year>, I reported an unauthorized debit transaction from my Chime account ending in XXXX, totaling {$450.00} ( Claim ID XXXX ). Chime later sent me a notice stating that a final determination was made and the claim was denied. 

I believe Chime and its partner bank violated my rights under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005 ) by failing to : 1. Conduct a proper investigation of my unauthorized transaction dispute, 2. Provide copies of the evidence or documentation used to deny my claim, and 3. Issue a provisional credit while the dispute was under investigation. 

Chimes final determination did not include any proof that I authorized this transaction. I have reason to believe the decision was made without a complete review or in compliance with Regulation Es standards for error resolution. 

What Im requesting : I am requesting that the CFPB require Chime and/or its partner bank to : Reopen and reinvestigate my claim properly, Provide all evidence used in their determination, Refund the full disputed amount of {$450.00}, and Ensure compliance with Regulation E for future disputes. 

Supporting details : Account ending : XXXX Claim ID : XXXX Date error reported : XXXX Claim amount : {$450.00} Name : XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted an authorized purchase with my XXXX card to American Credit- which has yet to be reapplied to my loan. Since then, I have mailed multiple appeal letters, escalated to supervisors, and requested reviews of my calls, but I have continued to receive inconsistent explanations. Even opened a dispute to get sorted. I also provided proof directly to American Credit, including documentation from XXXX, and even participated in conference calls with my bank so there could be no misunderstanding. At this point, the funds remain improperly withheld and unaccounted for. I have been given the runaround for months, with no resolution from either the branches or phone support. I am therefore formally requesting that American Credit issue a full refund of the improperly debited amount without further delay. The documentation, bank confirmations, and conference call discussions all establish that these funds were returned to the American Credit on XXXX, and refunding them to me is the only appropriate and fair. 

To follow up, All of the requested information, including supporting documentation and payment proof, has already been provided numerous times through prior appeal letters, email submissions, and conference calls with XXXX representatives. Each communication included verification of the transaction reversal and return of funds to American Credit on XX/XX/XXXX, as confirmed by my bank. 

To reiterate, the issue is not with XXXXboth written and verbal confirmations from their representatives have consistently shown that the funds were successfully returned to American Credit. Despite this, the payment remains uncredited, and I continue to receive inconsistent responses and repeated requests for information that has long been on record. 

Please review the documentation already in your possession to finalize resolution of this matter without further delay. 

For your reference, the Trace ID associated with the returned funds is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
I am disputing the accuracy and ownership of the following accounts being reported by Equifax. 
Many appear to be duplicates or outdated beyond the 7-year reporting limit under FCRA 605 ( a ). 
If Equifax can not provide complete verification and documentation from the original creditors, I request that they be deleted. 

XXXX XXXX XX/XX/XXXX {$6600.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2300.00} There are no inquiries currently being disputed with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
There is a company called XXXX XXXX XXXX XXXX. In XX/XX/year>, they scammed XXXX people. I was XXXX of the scammed. I sent wire transfer to XXXX XXXX XXXX XXXX XXXX. I was promised money back for a business loan. They never paid me back. I contacted my bank to help me. Bank of America went after a bank called THREAD. THREAD said there was no funds. I got nothing from XXXX XXXX. I asked if Bank of America could offer me a credit for XXXX I didn't get. I saw other people on social media that was scammed and Bank of America helped. I was told no.

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 monetary relief
Consumer complaint received 2025-10-31 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 did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: OH

Complaint narrative:
I am reaching out to request the removal and correction of the following item on my credit report, which I believe is inaccurately reported. Please review and investigate the following information, and take corrective action where necessary. 

Late Payments : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  ( Reported Late ) I kindly ask that you investigate and correct this information as soon as possible.

Company response to consumer: Closed with explanation