vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
In XXXX Onemain reported derogatory information on my credit report. After I disputed the information they did not furnish the credit bureaus with the required disclosure, within the period required by law. They were required by federal law to place a " notice of dispute '' on my account within the 30 day of my dispute, which they signed for on XX/XX/XXXX. They have violated the FCRA, section 623 ( a ) ( 3 ) and/or the FDCP act section 807 ( 8 ) by not placing the disclosure within the required 30 day period. I sent out several certified letters to Onemain and the 3 major credit bureaus, yet the information still exist on my credit reports. I requested that Onemain provide verification, their method of verification and any viable evidence showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
Kindly remove these unauthorized accounts from my credit report, as I did not authorize their creation and was unaware of their existence. In accordance with USC 1681g, I am requesting their deletion within 15 days. Supporting documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: HI

Complaint narrative:
I have had problems using the service from XXXX over 2 years, but recently certain numbers didn't work at all when I called. It happened randomly, and many times I had to undergo such inconvenience. Also, ever since moving to XXXX, there was no sound when I called certain numbers as well even though signal bar was high. Also, internet speed at my working place was either very low and not working at all times. XXXX issued many service tickets to request of improvement, but nothing worked. 

As a result, I have not received proper service as I should. I contacted XXXX many times, asking for good credits. However, they refused to issue credit, and failed to provide proper service. Such poor service can not be accepted since I always paid rightly. Eventually, I had to dispute the amount for the remaining balance of contract, using XXXX XXXX credit card service. It seems that XXXX judged rightfully that it's XXXX 's fault, but they handed this issue over to a collection department, which is ridiculous and cowardly. Please resolved this problem, charging XXXX in this case - I just can not understand how they treat customers as poor as this. Please let me hear back from you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00}

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
This account is written off as a charge off/profit loss. I never received a 1099-C cancellation of debt form and because of that this account is inaccurate and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Equifax for their continued reporting of a late payment accounts on my credit report which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that In XXXX XXXX Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XXXX XXXX XXXX which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$22000.00} Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$140.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$760.00} Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$880.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$180.00} INQUIRIES : 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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX did give the opportunity to make sure that funds sent or received was to the correct recipients or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TN

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX XXXX XXXX and the three major credit reporting agencies ( Equifax, XXXX XXXX XXXX ). 

XXXX XXXX XXXX is reporting an auto loan account ( Account No. XXXX ) on my credit file with derogatory and inaccurate information, including delinquency status and past due balances. I dispute the accuracy and validity of this account. 

I am exercising my rights under federal law, including : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681s-2 ) : Any item that can not be fully verified with documentation must be removed.

GrammLeachBliley Act ( GLBA, 15 U.S.C. 6802 ) : Prohibits unauthorized sharing or reporting of unverifiable nonpublic personal information.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) : If this account was assigned to a third-party collector, it must be validated before reporting. 

I am requesting that XXXX XXXX XXXX and the credit bureaus provide full verification of this account within 4 business days, or remove it from my credit reports entirely.

This account is currently causing harm to my credit, financial stability, and access to essential opportunities such as housing and transportation.

I respectfully request the CFPB investigate and ensure that this account is either fully validated or permanently deleted from my credit file.

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TN

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX XXXX XXXX and the three major credit reporting agencies ( XXXX Experian, and XXXX XXXX 

XXXX XXXX XXXX is reporting an auto loan account ( Account No. XXXX ) on my credit file with derogatory and inaccurate information, including delinquency status and past due balances. I dispute the accuracy and validity of this account. 

I am exercising my rights under federal law, including : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681s-2 ) : Any item that can not be fully verified with documentation must be removed.

GrammLeachBliley Act ( GLBA, 15 U.S.C. 6802 ) : Prohibits unauthorized sharing or reporting of unverifiable nonpublic personal information.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) : If this account was assigned to a third-party collector, it must be validated before reporting. 

I am requesting that XXXX XXXX XXXX and the credit bureaus provide full verification of this account within 4 business days, or remove it from my credit reports entirely.

This account is currently causing harm to my credit, financial stability, and access to essential opportunities such as housing and transportation.

I respectfully request the CFPB investigate and ensure that this account is either fully validated or permanently deleted from my credit file.

Thank you for your assistance. 

Sincerely, 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 2025-08-20 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: TN

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX XXXX XXXX and the three major credit reporting agencies ( XXXX XXXX, and TransUnion ). 

XXXX XXXX XXXX is reporting an auto loan account ( Account XXXX. XXXX ) on my credit file with derogatory and inaccurate information, including delinquency status and past due balances. I dispute the accuracy and validity of this account. 

I am exercising my rights under federal law, including : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681s-2 ) : Any item that can not be fully verified with documentation must be removed.

GrammLeachBliley Act ( GLBA, 15 U.S.C. 6802 ) : Prohibits unauthorized sharing or reporting of unverifiable nonpublic personal information.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) : If this account was assigned to a third-party collector, it must be validated before reporting. 

I am requesting that XXXX XXXX XXXX and the credit bureaus provide full verification of this account within 4 business days, or remove it from my credit reports entirely.

This account is currently causing harm to my credit, financial stability, and access to essential opportunities such as housing and transportation.

I respectfully request the CFPB investigate and ensure that this account is either fully validated or permanently deleted from my credit file.

Thank you for your assistance. 

Sincerely, 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 2025-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/scrub>, 2025, my XXXX XXXX XXXX  account with Comenity/Bread Bank was closed by the bank without prior notice to me. 

After learning of the closure, I attempted to call customer service on XX/XX/year>2025. However, when the automated system recognized my account as closed, it immediately disconnected my call, preventing me from reaching a live representative. This has left me with no way to speak to a person, request an explanation, or pursue reinstatement of my account. 

This situation is both unfair and unreasonable. As a customer, I am entitled to : - Be informed of the reason my account was closed. 
- Have the opportunity to request reinstatement or resolution. 
- Be able to contact the bank regarding my account. 

At present, the banks systems block me from any communication, leaving me no choice but to escalate this matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a phone call from BOA which I google their number online and it's indeed the BOA number XXXX. They pronounced my name and asked if I have a card under my name ending with XXXX digits they said. I said no. They said they detected that I tried to purchase unlicensed guns on gunsamerica.com and they believe it was identity theft case and provided me case number and theft department senior manager 's name and phone number. Since according to them, the fraud card location of application happened in XXXX XXXX, I will have to file police report through them and provide the information they just provided me so they can send the police report to the email address XXXX. So they then transferred me to the " police department '' in XXXX, XXXX. A XXXX XXXX  XXXX asked my information including my passport profile copy ( he asked me to send through teams to his PD investigation group ) and he also has my home country ID number. He has my current home address as well and asked me to not telling any body else including my family as I was told I was also involved in an international economic crime. He asked me to report my current location and status every 3 hours to him everyday. After several hours I finalize realized this whole thing was a scam. I asked my family to call the police directly from my home country and confirmed that the real police officer never called me and never called anybody in 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 2025-08-20 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: SC

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$6500.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5600.00} Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$15000.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XX/XX/XXXXXXXX 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed furnished accounts on my report that weren't granted permission to post on my credit report. I have not given anyone consent to my nonpublic personal information nor have I given and XXXX party consent to furnish a report. 

XXXX, XXXX XXXX XX/XX/XXXX inquiry XXXX XXXX XX/XX/XXXX inquiry XXXX  XXXX XX/XX/XXXX inquiry XXXX XXXX XXXX XX/XX/XXXX inquiry XX/XX/XXXX XX/XX/XXXX inquiry XXXX  XXXX XX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry XXXX  XX/XX/XXXX inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date : XX/XX/XXXX To : JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Copy of IRS Form 1099-C Account XXXX Dear JPMCB Card Services, I am writing to formally request a copy of IRS Form 1099-C ( Cancellation of Debt ) that may have been issued in connection with the cancellation or charge-off of my debt for the following account : Creditor Name : JPMCB CARD SERVICES Account Number : XXXX Date of Last Activity ( if known ) : XX/XX/XXXX To ensure accuracy in my tax reporting and credit records, I would like to confirm whether a 1099-C form was filed with the IRS and issued to me for the cancellation of this debt. If such a form was filed, I respectfully request a copy be sent to my current mailing address listed above or to the email address provided.

If no 1099-C was issued, I would appreciate a written confirmation of that fact for my records.

Please let me know if you require any further information or identity verification to process this request.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX XXXX reported derogatory information on my credit report. After I disputed the information they did not furnish the credit bureaus with the required disclosure, within the period required by law. They were required by federal law to place a " notice of dispute '' on my account within the 30 day of my dispute, which they signed for on XX/XX/XXXX. They have violated the FCRA, section 623 ( a ) ( 3 ) and/or the FDCP act section 807 ( 8 ) by not placing the disclosure within the required 30 day period. I submitted several letters to XXXX, the information still remains on my credit reports. I requested that they provide verification, their method of verification and viable evidence showing the account is being reported accurately.

Company response to consumer: Closed with explanation