vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am filing this complaint because there are collection accounts being reported on my credit report that are inaccurate and/or do not belong to me. These accounts are negatively impacting my credit profile and have not been properly verified by the reporting collection agencies or the credit bureaus. The accounts is XXXX XXXX XXXX  ( {$840.00} ) ( XX/XX/year>XXXX  ). I have previously attempted to dispute these collection accounts and requested validation, but the companies have failed to provide sufficient documentation proving that the debts are valid or that I am legally responsible for them. Despite my requests, these accounts continue to be reported, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB assist in investigating these matters and remove the accounts from my credit report entirely.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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 non-monetary relief
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$8100.00} XXXX XXXX XXXX XXXX XXXX  balance {$360000.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$1600.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$330.00} XXXX  XXXX Bankruptcy Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$8100.00} XXXX XXXX XXXX XXXX XXXX  balance {$360000.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$1600.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$330.00} XXXX  XXXX Bankruptcy Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
I have about XXXX in my account there not refunding me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaints to formally dispute an inaccuracy on my credit report concerning the account referenced as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was opened on XX/XX/XXXX. Upon reviewing my credit report, I noticed that the payment status for this account has been reported incorrectly. It reflects several instances of late payments, including 30-day late in XX/XX/XXXX, XXXX late in XX/XX/XXXX, XXXX late in XX/XX/XXXX, 60-day late in XX/XX/XXXX, 30-day late in XX/XX/XXXX, 60-day late in XX/XX/XXXX, and 30-day late in XX/XX/XXXX. However, I maintain a diligent record of my payments, and I believe that this information is either incorrect or has been reported inaccurately. 
As a responsible consumer, I am entitled under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I respectfully request that you conduct a thorough investigation of this account, as I believe these reported late payments are erroneous and significantly impact my creditworthiness and financial opportunities. 
Under FCRA 1681i, you are required to investigate disputes and correct any inaccuracies in a timely manner. The FCRA mandates that all information on a consumers credit report must be accurate, complete, and verifiable. It is the responsibility of the reporting agency to ensure that all data provided is correct and that any disputed information is thoroughly reviewed. Furthermore, FCRA 1681e ( b ) requires that consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information reported. 
I also understand that under FCRA 623 ( a ) ( 1 ) ( A ), creditors and furnishers of information are required to report accurate and timely details to the credit bureaus. If it is found that any information is inaccurate, it should be corrected promptly. Under FCRA 1681c, inaccurate information that no longer reflects the true state of the account should not continue to be reported.

Additionally, the FCRA ensures that outdated or erroneous information is not reported, particularly if it does not accurately reflect the terms of the credit agreement or my payment history. Under FCRA 605 ( c ), any negative information that is not properly substantiated or that is outdated must be excluded from my credit report. Given that I have been diligent in managing my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, an auto loan account was fraudulently opened through Capital One Auto Finance for a XXXX  XXXX XXXX ( XXXX ending in XXXX ) at a dealership in XXXX XXXX XXXX California. The retail installment contract is dated XX/XX/XXXX, and contains a forged signature. A pre-contract disclosure was signed on XX/XX/XXXX, only for review purposes the loan was added to my credit report on XX/XX/XXXXXXXX  Capital One opened the account using a contract that was not authorized or signed by the consumer, and the email address listed on the contract is not correct. A {$3000.00} cash down payment was recorded, but no official receipt was ever provided. The vehicles registration tags had already expired as of XX/XX/XXXX, before the date of sale, and {$460.00} in registration fees were later paid on XX/XX/XXXX, by the consumer. 

The consumer requested copies of the retail installment contract and Capital Ones fraud investigation packet. Capital One provided both documents, but has not yet confirmed the fraudulent account or the removal of the credit reporting. The completed fraud documents, police report, and supporting evidence will be faxed to Capital One tomorrow, XX/XX/XXXX, as part of the final response to their Fraud Claim Packet dated XX/XX/XXXX. 

Requested investigation areas include : ( 1 ) forgery and unauthorized contract execution, ( 2 ) identity theft or misuse of personal information, and ( 3 ) violations of California DMV and consumer protection laws. Supporting evidence includes the forged contract, credit report inquiries, registration payment proof, and official fraud documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
This debt has been active since XXXX, but the collector has never provided written verification or documentation despite multiple requests, including through a prior CFPB complaint. The companys earlier response contained no proof only statements that the balance remains due.

The original creditor has confirmed they no longer have my lease or account file, meaning this debt can not be verified. In their prior response, they admitted the account was marked as disputed but provided no verification of the debt or explanation of how the balance and interest were calculated. They stated that the account accrues interest as allowed by California law but did not provide any documentation to support that claim or show how it applies to my case. Under the Fair Debt Collection Practices Act, the collector must cease all collection activity until verification is provided.

I am requesting that the company provide full written verification ( lease, itemized statement, proof of authorization to collect ) or permanently cease collection and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint against Experian for their failure to correct inaccurate personal information on my credit report, despite multiple dispute submissions and valid proof of identity. On XX/XX/, I formally disputed the listing of two incorrect addresses that are not part of my residence history : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX, NY XXXX XXXX I provided supporting documents including my government-issued ID, Social Security card , and utility bill to verify my correct and current address at XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX Experian has failed to delete the inaccurate addresses within the 30-day investigation period as required under FCRA 611 ( 15 U.S.C. 1681i ). This delay and inaction demonstrate noncompliance with federal law and have caused unnecessary distress and potential confusion regarding my identity.

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 2025-11-07 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: DC

Complaint narrative:
I request them to remove the inaccurate information from the followings. 
XXXX XXXX Account number XXXX {$550.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2025-11-07 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: DC

Complaint narrative:
I request them to remove the inaccurate information from the followings. 
XXXX XXXX Account number XXXX {$550.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$0.00}

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 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: MS

Complaint narrative:
I called the local branch to speak with them about distinguishing the principal balance from the interest. Staff members did not seem to even know the difference between interest and the principle. They were rude. Accused me of using profanity and hung up on me. I called back two to three times they hung up each time. I finally was able to get through to the area manager. He apologized but I don't think anything will be done about the rudeness of the employees. But the maim issue is the interest.It is ridiculous. I'm cashed a live check for XXXX XXXX XXXX dollars. I've made about XXXX XXXX dollars and paymeit 's instead of over XXXX XXXX dollars. This feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
This complaint concerns a charged-off deposit-related account with VyStar Credit Union ( Account No XXXX XXXX ). The creditor is reporting a charged-off balance but has not provided a transaction ledger, statements, or itemization of fees showing how the reported balance was reached. 

For charged-off accounts, the creditor may have taken a bad debt deduction under 26 U.S.C. 166, or if the debt was canceled or forgiven, may be required to issue a Form 1099-C under 26 U.S.C. 6050P. I am requesting confirmation of whether any such tax treatment or cancellation has occurred.

Reporting a balance without the ability to substantiate the amount constitutes inaccurate furnishing under : 15 U.S.C. 1681s-2 ( a ) Duty to report accurate information 15 U.S.C. 1681i Duty to correct inaccuracies after notice 15 U.S.C. 1692e Misrepresentation of the legal status of a debt

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX, the authorized representative of XXXX XXXX, pursuant to a signed Consumer Authorization and Limited Assignment Agreement between XXXX XXXX and XXXX XXXX XXXX, XXXX. This complaint is directed against Equifax Information Services for its continued and willful failure to correct and verify inaccurate information within the consumers credit file, in clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681s-2, 1681n, and 1681o. Despite a formal dispute submitted on XX/XX/year>, and a second written follow-up on XX/XX/year>, Equifax has refused to perform a lawful and complete reinvestigation or to remove inaccurate data. The disputed account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continues to display false late-payment entries for XX/XX/year>, even after Equifax was provided evidence showing these entries were the result of the furnishers internal reporting errors, not any delinquency by the consumer. Equifaxs deliberate choice to ignore this documentation and continue publishing false information constitutes a reckless and willful disregard of its legal obligations under the FCRA.

Equifaxs conduct has caused harm to the consumers credit reputation and financial standing. The companys repeated failure to correct unverifiable data after proper notice demonstrates systemic negligence and intentional non-compliance. The authorized representative hereby demands that the Consumer Financial Protection Bureau ( CFPB ) compel Equifax to take immediate corrective action, including the permanent deletion of all inaccurate and unverifiable late-payment entries, the provision of written verification identifying the entity or individual who allegedly confirmed the false data, and full disclosure of all supporting documents used during Equifaxs reinvestigation. Furthermore, Equifax must confirm in writing that XXXX XXXX credit file has been corrected and updated to reflect accurate and verified information. Equifaxs continued disregard of statutory obligations under federal law warrants CFPB intervention to enforce compliance, restore accuracy to the consumers file, and hold Equifax accountable for its willful violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
One Main Financial is calling me several times a day, texing me several times a day, and calling my place of employment several times per day.

Company response to consumer: Closed with explanation