vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was misled into opening a Macys credit card at a store, under the impression that it was only for a one-time discount. The sales associate did not make it clear that I was applying for a credit card that would result in a hard credit inquiry and open a formal credit account.

After realizing my mistake, I immediately returned the items I purchased, and Macys has confirmed that the account is closed. However, when I contacted Macys customer service, they informed me that nothing can be done to remove the hard inquiry from my credit report, despite the fact that I did not fully authorize or understand the application.

I am requesting that the hard inquiry be removed from my credit report, as I was misled into opening the account and have taken all appropriate actions to resolve the situation ( returning items and closing the account ).

Requested Resolutions : - Remove the hard inquiry from my credit report - Review Macys/AmEx 's in-store credit application process to ensure transparency and prevent misleading situations for other consumers in the future.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am reporting an account from XXXX XXXX  that is being inaccurately and inconsistently reported on my Equifax credit report. The information does not match what is shown on XXXX  and is missing critical data required for accurate credit scoring and evaluation. 

No last payment date is listed on Equifax, while XXXX  shows XX/XX/year>. 

Equifax lists a first delinquency date of XX/XX/year>, but other bureaus do not show any delinquency until XXXX, causing confusion and inaccuracy. 

XXXX  reports a past due amount of {$150.00}, but Equifax lists the full balance with no past due status. 

The account type is not clearly identified as a charge card, which may lead to incorrect utilization scoring. 

Under FCRA XXXX ( b ), Equifax is required to report information that is fair and accurate. Since these details are inconsistent and incomplete, Im requesting this account be corrected or deleted entirely from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
{$340.00} off my XXXX XXXX  account is a offer I have been made I have been harassed by phone calls and text messages numerous amounts of time from a third party company that my information was sold to buy XXXX XXXX. I have gotten text messages from Halsted financial also by the name of XXXX XXXX XXXX. Requesting that I pay XXXX for XXXX weeks bi weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: CO

Complaint narrative:
I am writing to formally dispute an auto loan account that appears on my credit report under Global Lending Services. This account is fraudulent and was opened without my knowledge or consent. I am a victim of identity theft, and this account was established during a period in my life when I was being XXXX XXXX XXXX

This loan is not mine, and I did not authorize or benefit from this transaction. Under 15 U.S. Code 1681c-3, I am asserting my rights as a victim of identity theft and requesting the immediate removal of this account from my credit file. Additionally, as someone who has endured XXXX XXXX, my personal identifying information was used without my permission while I was under coercion and duress.

This is my second attempt to have this fraudulent account removed. I am including this statement as part of my dispute and am requesting that this matter be thoroughly investigated and that all fraudulent information related to this account be permanently deleted from my credit history. 



Please treat this matter with urgency and sensitivity, given the nature of my circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mandarich Law Group, LLP
State: NV

Complaint narrative:
Complaint Against XXXX XXXX and Mandarich Law Group for Failure to Validate Debt and Misuse of Legal Process To Whom It May Concern : I am submitting a formal complaint against XXXX XXXX and its legal representatives, Mandarich Law Group , LLP, for pursuing legal action against me on an alleged debt that has not been properly validated, in violation of my rights under the Fair Debt Collection Practices Act ( XXXX ) and the Fair Credit Reporting Act ( XXXX  ). 

Mandarich Law Group filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX of Nevada, XXXX XXXX, for an account they allege originated with XXXX XXXX. Upon receiving notice of this lawsuit, I submitted a timely and formal request for debt validation, in accordance with XXXX U.S.C. XXXX, including the following : Verification of the debt and that I am the responsible party, Documentation showing legal assignment or purchase of the account by Mandarich Law Group, A copy of the original signed credit agreement from XXXX XXXX. 

I sent my request via certified mail and email to both Mandarich Law Group and the court. I never received a response from either party. Instead, I was later sent a notice stating I had not responded to the lawsuit, and Mandarich Law Group is now seeking a default judgmentdespite my documented and timely efforts to request validation and defend myself. 

In addition to written communication, I called the XXXX XXXX XXXX XXXX XXXX multiple times, enduring extremely long hold times. When I was finally able to speak with a court representative, I was told they could not provide any information regarding the case or my filings, further hindering my ability to defend myself and exercise due process. 

These actions violate : The FDCPA, which mandates debt collectors must cease collection efforts until a disputed debt is validated ; The FCRA, which prohibits furnishing inaccurate or unverifiable information to credit bureaus ; My constitutional right to due process, by obstructing my access to court information and ignoring proper responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
In XXXX of XXXX I obtained a personal loan from One Main Financial at their office in XXXX XXXX, XXXX XXXXXXXX. On XX/XX/XXXX my owned XXXX XXXX XXXX XXXX XXXX XXXX. XXXX was Repossessed. Multiple calls to the company in reference to when the vehicle would be sold were not answered by staff. During that period I was advised by a phone call to their office the vehicle would not be sold at a Private Sale as their letter stated. 
In XX/XX/XXXX I received a letter from One Main Financial stating my XXXX XXXX XXXX XXXX XXXX was sold. I was never advised of the location or parties involved of the sale nor given a chance to attend or make an offer to close the account. Multiple E-Mails to One Main Financial were only replied by information already known to me with no actual dates, location, or parties involved. In XXXX of XXXX doing a search by V.I.N. on the internet I located my vehicle on a website ( XXXX ). The vehicle was identified by me due to the V.I.N. number being a match. All messages sent on XXXXXXXX went unanswered. XXXX removed the vehicle from their website totally. It should be noted that the Inventory I.D . used by their website was ( XXXX ). 
AS OF THIS DATE VIA THE FLORIDA DEPARTMENT OF MOTOR VEHICLES V.I.N. XXXX STILL HAS A HOLD ON THE TITLE AND IS IN ONE MAIN FINANCIAL 'S NAME PROVING ILLEGAL PRACTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and 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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
XXXX closed my account without my knowledge XX/XX/XXXX. No form explanation as to why and they received my payment in XX/XX/XXXX. Then they sold the account. 
XXXX has closed my account as apaid in full/ charge offas of XX/XX/XXXX. I ask them to update my account, XXXX XXXX XXXX took possession of a vechilce in my possession while I was hospitalized, contacted them, got several incorrect responses and now after sendeing them letters I getting harrassed by telephone by them and and a debt collection company they are affilated with. I have explaine a cease and desist, that just slowed the calls to once every two weeks, from one or the other..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
My personal and financial data was compromised by DOGE violating FERPA. This is ILLEGAL. I request full cancellation of my student loan debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
Got a call about a collection that I have no idea what it was. Debt collector called my employer stating they were going to garnish my wages if I didnt set up a payment arrangement. Have disputed this information several times and requested verification that the debt was truly mine with out any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened XXXX XXXX XXXX  with Bank of America at the end of last XXXX. I applied the public offer code XXXX, which claims that i will get {$500.00} after depositing {$15000.00} and accomplish another activity. I completed all the required activities, but have not received the {$500.00} as advised. I called couple of times, but the agent said they could not find the code in the system, which does not make sense since it is public and lots of people should have claimed it.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of XXXX USC XXXX. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-08 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: NC

Complaint narrative:
I am filing this complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX reporting standards. Despite submitting XXXX detailed reinvestigation requests - dated XXXX XXXX, XXXX previously in dispute - investigation complete, reported by XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX - to Experian, the credit bureau has failed XXXX ensure the maximum possible accuracy of my credit report as required by XXXX XXXX, XXXX ( b ), failed XXXX properly reinvestigate XXXX modify disputed information under XXXX ( XXXX ), XXXX failed XXXX  enforce accurate reporting by data furnishers under XXXX XXXX XXXX. These violations have resulted in persistent inaccuracies in my credit file, including incorrect account details, outdated personal information, XXXX unauthorized inquires. I request the immediate removal of all disputed items from my credit report due XXXX Experian non-compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
The problem statement is i am not able to add the offer to my account. The error message says that I already added the offer to my account, but it is not on my account. 

There is a problem with adding offers to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXXi ( 7 ).

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 2025-05-08 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:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXXXXXX 2018 ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide validating documents. The date of last activity is reporting different among all 3 reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

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 2025-05-08 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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