vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe to be inaccurate, incomplete, or outdated, as per the Fair Credit Reporting Act ( FCRA ). After reviewing my Experian credit report, I found the following accounts that contain discrepancies. Please investigate the below accounts and take appropriate action. 
Personal Information Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, SC XXXX XXXX. Inaccurate Account Information Account Name XXXX XXXX Account Number : XXXX Status : Positive Date Opened/Reported : XX/XX/XXXX Balance : {$0.00} FCRA Violations : Under Section 1681e ( b ) of the FCRA, the information reported to consumer reporting agencies must be complete and accurate. The accounts listed above contain errors regarding the [ status, balance, or payment history ], which I dispute. Specifically, [ mention specific error ]. 
XXXX. Failure to Remove Outdated Information Account Name : XXXX Account Number : XXXX Status : Paid Date Opened/Reported : XX/XX/XXXX Balance : {$0.00} FCRA Violations : Under Section 1681c of the FCRA, negative information should not remain on the credit report for longer than seven years. The account listed above exceeds this time frame, and I request that it be removed immediately. 
XXXX. Failure to Report Correct Information Account Name : XXXX  Account Number : XXXX Status : Negative Date of Last Activity : XX/XX/XXXX FCRA Violations : As per Section 1681i of the FCRA, when information is disputed, the consumer reporting agency must investigate and correct any errors. The account details are incorrect, and I request that this information be verified and updated to ensure compliance with the FCRA.

4. Data Breach Concerns I am concerned that some of the discrepancies in the accounts may be due to a data breach. I respectfully request an investigation into the possibility of a data breach and that the affected accounts be corrected.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica
State: MI

Complaint narrative:
I was the victim of an impersonation scam on Wednesday XX/XX/XXXX. A scammer called me pretending to be XXXX and claimed my account had been compromised. They instructed me to send money ( XXXX ) through XXXX to verify or secure the account. 
I believed I was speaking to a legitimate representative because I was instructed to use a link that I have used before through XXXX and I believe that XXXX was also hacked, so my authorization was obtained through fraud. My bank denied reimbursement, calling it an authorized transaction. I gave my bank their name and phone number so they know exactly the account that it came from. 
Under the CFPBs 2023 guidance on fraud-induced authorized transfers and Regulation E, this qualifies as an unauthorized electronic funds transfer because I did not give valid consent I was deceived about the identity of the recipient and the purpose of the transaction.

I am requesting the CFPB require my bank to reinvestigate and comply with Regulation E obligations. I want my bank to reimburse me for the fraudulent XXXX transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : CFPB Complaint Rebuttal TransUnion Incorrectly Refused to Process My Dispute I am responding to TransUnions claim that my dispute did not come from me or someone I authorized. 

The following complaint ID 's were initiated by me and not properly investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This statement is false and is being used to avoid TransUnions reinvestigation obligations under the FCRA. 

I personally submitted the dispute, directly through the CFPB portal, under my own name, using my own email and information. 
No third party submitted this dispute. 

TransUnions refusal to process my dispute violates FCRA 611 ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable reinvestigation any time a consumer directly disputes information. 

TransUnions response did NOT address the accounts, errors, or inaccuracies I disputed, and therefore fails to satisfy the FCRAs reinvestigation requirements. 

Because TransUnion is now claiming the dispute was not from me, I am requesting the following in writing : What specific indicators led you to believe the dispute was not submitted by me? 

What identity verification process did you rely on? 

Did you attempt to contact me for verification before refusing the dispute? 

What information did you use to conclude my submission was unauthorized? 

TransUnion is required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to provide all documents, communications, and records used in making this determination. 

TransUnions refusal to investigate when the dispute is valid and submitted by me is a willful violation of the FCRA and causes ongoing harm. 

Requested Enforcement Action I am requesting that the CFPB instruct TransUnion to : Accept my dispute as properly submitted Conduct a full reinvestigation Provide the Method of Verification ( MOV ) Provide all documents relied on under 611 ( a ) ( 6 ) ( B ) ( iii ) Delete any item that can not be verified within the statutory timeframe Confirm completion in writing TransUnions refusal to investigate is unlawful and does not resolve the issues I originally raised. 

I request CFPB oversight and enforcement to ensure TransUnion complies with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2025-11-25 00:00:00
Product: Debt collection — Other debt
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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-25 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: TX

Complaint narrative:
Greetings, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-25 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: PA

Complaint narrative:
I am a victim of identity theft. I checked my credit today and found several inconsistencies. They are all listed on this report. Ive never opened these accounts or gave anyone permission to open these accounts therefore the need to be removed from all 3 credit bureaus. 
Inquiries are XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I am a victim of identity theft. I checked my credit today and found several inconsistencies. They are all listed on this report. Ive never opened these accounts or gave anyone permission to open these accounts therefore the need to be removed from all 3 credit bureaus. 
Inquiries are XXXX XXXX XXXX XXXX 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 2025-11-25 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: Ava Finance, Inc
State: OH

Complaint narrative:
I am filing a complaint against Ava Finance for reporting duplicate accounts, inconsistent data, and unverifiable information to the credit reporting agencies. Ava Finance has failed to correct errors after reinvestigations, violating multiple sections of the FCRA. 

ISSUE SUMMARY Ava Finance is reporting multiple duplicate accounts across TransUnion, Experian, and Equifax that contain conflicting and inconsistent data. 

XXXX. DUPLICATE ACCOUNTS ARE REPORTED AS SEPARATE ACCOUNTS Ava Finance is reporting the same account under different numbers and formats on each bureau. 

XXXX. DIFFERENT DATES OF LAST ACTIVITY Each bureau lists a different XXXX for the same Ava Finance account. 

XXXX. DIFFERENT ACCOUNT STATUS XXXX version shows Closed Another shows Paid Another shows Open XXXX. DIFFERENT CREDIT LIMITS & BALANCES Bureaus list different credit limits and different payment statuses for the same account. 

XXXX. DIFFERENT REMARKS & PAYMENT HISTORY Late payments vary by 3090 days across bureaus. 

These inconsistencies significantly harm my creditworthiness. 

FCRA VIOLATIONS BY AVA FINANCE XXXX U.S.C. XXXX ( b ) * * Failure to ensure maximum possible accuracy. 

XXXX U.S.C. XXXX ( a ) * * Furnishing inaccurate and conflicting information. 

XXXX U.S.C. XXXX ( b ) * * Failure to investigate disputes after notice from the credit bureaus. 

XXXX U.S.C XXXX ( a ) ( XXXX ) * * Duplicate and unverifiable information must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-25 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-25 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: CA

Complaint narrative:
Would you mind checking this entry? Its late and could be incorrect.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-25 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
I took out a loan with OneMain Financial which was processed on XX/XX/XXXX in the amount of {$12000.00} dollars. I made about a few payments for $ XXXXmonth before receiving a new offer for {$1500.00} around XXXX of XXXX, my payments increased to $ XXXXmonth but it's showing XX/XX/XXXX. My previous principal balance was a little over XXXX prior to added the {$1500.00} My monthly payments were automatically debited from my XXXX XXXX Checking account until XXXX of XXXX. In XXXX of XXXX I owed proximally {$10000.00} to Onemain financial. I was unable to make my payments due to the lost of employment. I started a new job XX/XX/XXXX which only paid $ XXXX I made 1 Payment because I had a modification on my home loan with payments being {$2100.00} and could only afford to make that payment at that time. I was laid off form this employer due to lack of business and started receiving unemployment benefits XX/XX/XXXX which totaled {$230.00} a week. I offered to pay Onemain Financial {$10.00} a month until my situation got better... They refused. They requested that I make 3 half payments of {$180.00} and they could do a modification and I could resume my regular monthly payments of {$370.00} with no arrears. I explained I was unable to afford that amount and offered to make smaller payments. They continued to call me from different numbers throughout the state of Mississippi request I make a payment on the very same day. They call me multiple times a day telling asking me to make a payment to avoid a charge off. They have since charged the account off and has retained a attorney to sue me for XXXX in which I only owed {$10000.00} at the time of charged off. I was served with court Summons on XX/XX/XXXX. The attached loan documents has incorrect information stated the origination date of the loan XX/XX/XXXX, which is incorrect. I added an addition {$1500.00} in the later months of XXXX. Onemain Financial refused to accept my payment of {$10.00} a a month, when my income was only {$940.00} a month for unemployment and they're trying to get more money from me then what I owe to them. Onemain Financial practice unfair collection attempts. they will continue to harass their clients and retain an outside attorney to continue with their attacks and harrassments.

Company response to consumer: Closed with explanation