vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: DC

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 2025-05-09 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent account and inquiries on my credit report. Please dispute and remove listed fraudulent account and credit inquiries from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-05-10 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: VA

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-10 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: VA

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-09 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: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AL

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 non-monetary relief
Consumer complaint received 2025-05-09 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: HI

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 2025-05-09 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: GA

Complaint narrative:
I am a vitcim of identity theft. There are 2 credit card accounts on my 3 credit reporting agencies and 2 inquiries which are listed on the report that i didnt give anyone permission or authorization to open these acocunts.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
Dear Huntington Bank XXXX XXXX XXXX, I am writing to report a troubling and inconsistent experience I had with your XXXX, SC branch regarding identification requirements. 

During my initial visit, I presented a photo of my government-issued ID along with my physical Social Security card , and these documents were accepted in person for my transaction. Based on this approval, I later followed up by email and provided a copy of my official temporary drivers license issued by the State of Michiganonly to be told it was now being declined. 

I acted in good faith based on what your branch staff approved in person. The reversal after I submitted an even more official, state-issued document is confusing and feels arbitrary. The Michigan temporary license is a legal document and should carry more weight than a photograph of an ID, which your team had already accepted. 

I respectfully request : 1. A formal explanation of why my documents were accepted initially and then later rejected ; 2. Clarification on what Huntingtons actual policy is for temporary government-issued identification ; 3. A resolution that allows me to continue using my account and accessing banking services without further obstacles, given that Ive provided valid legal documents. 

If this issue is not resolved appropriately, I am prepared to submit a formal complaint to the Consumer Financial Protection Bureau. 

Thank you for your time and attention. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I called collection company to see why they broke down my debt to one company into two reports. They said because I owe for internet service and equipment. Wow seems to think I owe them for 1 bill in the amount of {$370.00} The company name is attached to the file I sent you. The bill is broken down into to derogatory remarks on my credit report. I only owe the company one sum. The lady said that when I called her at wow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, Experian has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within XXXX hours ) and the lack of meaningful documentation provided, I believe Experian is engaging in automated, non-substantive responses using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a ).

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 2025-05-09 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M. G. Credit, Inc.
State: MD

Complaint narrative:
MG CREDIT ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX This account is reported only on XXXX  and appears to originate from 2019. It may exceed the XXXX reporting limit under FCRA 605 ( a ). Please confirm the delinquency date and remove if applicable. 
This entry is negatively affecting my creditworthiness. Please conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the item as necessary. I am requesting this under FCRA XXXX. 

XXXX ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX This collection shows discrepancies in open/closed status and last update dates across bureaus. I request verification under FCRA XXXX. If the account is unverifiable or inaccurate, it must be removed. 
This entry is negatively affecting my creditworthiness. Please conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the item as necessary. I am requesting this under FCRA XXXX. 

XXXX XXXX, XXXX. 

XXXX  and XXXX  report this account as open and unpaid ; XXXX  shows it as paid.- Under FCRA XXXX ( b ), data furnishers and CRAs must maintain accurate and consistent records.Please reinvestigate and verify this item. If XXXX  is correct, XXXX  and XXXX  must reflect the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XXXX  XX/XX/XXXX, I was traveling to XXXX XXXX from XXXX airport. My bag was stolen where my cards ( ID, credit card and debit card ) were at the time and my phone. XXXX XXXX  was taken out of my account by this person who stole this bag using XXXX. I use XXXX frequently to trade but never deposited this much in an account because I have other another bigger account with XXXX XXXX. Sofi did not attempt to stop this charge at all and now XXXX XXXX  is gone out of my account that I was supposed to be using on my business trip to XXXX XXXX. I am very upset right now because how could XXXX XXXX  be taken out of my account with no security stopping this transaction. Can you please recover this money as soon as possible please because no way should something like this happen. Luckily, T-Mobile were able to provide with a new phone this morning so that I could alert them. Please recover this money as this is a lot of money that was supposed to been used for business in XXXX XXXX now I have to get back home because without that money XXXX cant do anything. I spoke with the security and police in XXXX airport and they took my information. They told me they would give me updates if they recover anything. The security team told me to file a police report with the XXXX police department earlier today. I uploaded the temporary police report that I filed on this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Onemain Financial is reporting an account on my credit report that is factually and legally inaccurate. The last payment was made on XX/XX/XXXX, and the account was closed on XX/XX/XXXX, yet they continue to report new monthly charge-offs all the way into XXXX. This is a textbook case of illegal re-aging, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX and XXXX XXXX compliance. 

Additionally, the current reported balance is {$18000.00}, yet the highest balance ever listed is {$15000.00}. It is not legally possible for the balance to exceed the original loan amount post-charge-off without new financial activity, which there has not been. This indicates either incorrect balance inflation or the addition of fees in violation of the original loan terms. 

Key fields are missing from the tradeline, including payment schedule, original terms, and credit limit making the report incomplete and unverifiable. No new payment activity has occurred since XXXX, yet the account continues to damage my report in XXXX. 

I have disputed this account with the credit bureaus and requested validation directly from XXXX including the original signed contract, complete payment history, and legal basis for continued derogatory updates. They have failed to provide any of it. 

I am requesting that this account be immediately and permanently deleted from all credit reporting agencies due to continued inaccurate, incomplete, and unverifiable reporting, and clear violations of federal law. 


This dispute was submitted directly by me, XXXX XXXX XXXX. 
I am the consumer. No third party is involved. I repeat, NONE. I simply know the LAW, and this is a straight up VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TN

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 non-monetary relief