vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: Self Financial Inc.
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding the mishandling of my personal information due to the data breaches at XXXX and XXXX. These incidents have caused significant concern regarding the security of my personal and financial information. I have spent significant time and resources addressing potential fraud, monitoring my credit, and disputing inaccurate information. I request the CFPB 's assistance in mandating the removal of any fraudulent or inaccurate data from my credit file caused by these branches. I have attached documentation to support my claim, including credit reports and any correspondence with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 

OneMain Financial Subject : Formal Request to Delete Inaccurate Account Information Dear Sir/Madam, I am writing to formally dispute inaccuracies in the information reported on my account with OneMain Financial. Upon reviewing my credit report dated XX/XX/year>, I identified several errors that significantly misrepresent my account history. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my creditworthiness. 
The following issues are of particular concern : Reported Balance : My balance is listed as {$12000.00}, which does not accurately reflect my payment history or current balance. 

Payment History : The report claims I have made only 50 % of payments on time, which is false. My records demonstrate consistent and timely payments.Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), inaccurate or unverifiable information must be corrected or removed from my credit report. Specifically : 15 U.S.C. 1681i ( a ) : You are required to investigate disputed information within XXXX days of receipt of this letter.

15 U.S.C. 1681s-2 ( b ) : As the furnisher of information, you are required to conduct a reasonable investigation and promptly delete inaccurate, incomplete, or unverifiable data from credit reports. 
Given the inaccuracies in the information provided and the harm it has caused, I am requesting that the account information in question be immediately deleted from my credit report. 
Please confirm in writing that this account has been deleted, or provide documentation verifying the accuracy of the reported balance and payment history. If the account is not deleted or properly verified, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Additionally, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ). 
For your review, I have attached copies of payment receipts and account statements to support my claim. Please respond to this letter within XXXX  days as required by law. 
Thank you for your immediate attention to this matter. You may contact me at the phone number or email listed above with any questions. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
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 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to stem from a data breach or fraud. I request verifiable proof, including documentation of my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf and not through any third party, so I urge you to review it thoroughly. These actions were not authorized by me and constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies associated with these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original proof. Since I did not authorize them, the accounts and inquiries in question are inaccurate and either result from a data breach or represent the unlawful reporting of my consumer information by creditors or third-party data furnishers. 

I request that you promptly investigate these matters and take immediate action to remove the unauthorized entries from my credit report. Your timely response to this issue is greatly appreciated.

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 2025-01-05 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: PA

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of my XXXX XXXX account ending in XXXX on my credit report. Despite my efforts to resolve this matter directly with XXXX, XXXX and Equifax, the reported information remains inaccurate and misleading. The issues include but are not limited to : Incorrect Balance : The credit report lists a balance of {$250.00}, which is inaccurate and does not reflect the payments I have made. Contradictory Account Status : The account is reported as Closed but also listed as Current, which is contradictory and misleading. False Dispute Resolution Remark : The report states, Dispute resolved ; reported by grantor, despite no proper resolution or documentation from XXXX  XXXX. These inaccuracies have negatively impacted my financial reputation and violate my rights under both federal and state consumer protection laws. Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit agencies must ensure the maximum possible accuracy of information. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reinvestigation of disputed information within 30 days. 15 U.S.C. 1681s-2 ( b ) : Furnishers of information must correct or delete inaccurate data after receiving notice of a dispute. Fair Credit Billing Act ( FCBA ) : 15 U.S.C. 1666 : Despite repeated requests under 15 U.S.C. 1666 ( d ), the company has failed to produce essential documentation validating the accuracy of the alleged debts, including books of accounts, invoices, or transaction records. Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ) and Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) : 73 P.S. 2270.4 : Prohibits creditors from reporting false or misleading information. 73 P.S. 201-3 : Deems false credit reporting an unfair or deceptive practice. Attempts to Resolve : I have contacted XXXX, XXXX and Equifax to dispute this matter but received no resolution. I also contacted XXXX XXXX, which failed to provide supporting documentation or correct the errors. Harm Caused : The inaccuracies in my credit report have caused the following issues : Lowered Credit Score : Affecting my ability to obtain financing or favorable terms. Emotional Distress : The prolonged dispute process has been frustrating and stressful. Potential Financial Loss : Due to higher interest rates and limited financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CA

Complaint narrative:
TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX Re : Follow-Up to Dispute Unauthorized Credit Inquiries/ Non-Permissible Reporting Violations To Whom It May Concern : I am writing in response to your recent letter regarding my dispute of unauthorized credit inquiries appearing on my credit report. Your responsethat inquiries remain on credit reports for XXXX years and advising me to contact the companies directlyfails to address the substantive nature of my dispute and raises concerns regarding XXXX adherence to its legal obligations under the Fair Credit Reporting Act ( FCRA ). 

To reiterate, my dispute centers on the lack of permissible purpose for the inquiries made by the following entities : XXXX ( Finance/Personal ) Inquiry dated XX/XX/XXXX XXXX XXXX XXXX ( Automotive ) Inquiry dated XX/XX/XXXX Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), any inquiry must be backed by verifiable evidence demonstrating permissible purpose. It is XXXX responsibility to ensure the accuracy and verifiability of all information reported. Directing me to the companies in question does not fulfill your duty under Section 611 ( 15 U.S.C. 1681i ) to conduct a thorough reinvestigation and remove unverifiable information.I hereby demand that you : XXXX. Provide a detailed explanation of your reinvestigation process, including the evidence you reviewed to conclude that these inquiries were valid. 


XXXX. Verify the permissible purpose for the disputed inquiries or immediately remove them from my credit report. 


XXXX. Confirm whether you requested supporting documentation from XXXX and XXXX XXXX XXXX to substantiate their inquiries, and provide me with copies of this documentation. 



Failure to comply with these requests will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for your failure to adhere to FCRA standards. 

Please be advised that I expect a response within the timeframe prescribed under the FCRA. Your failure to properly investigate this dispute may constitute willful noncompliance, which is actionable under 15 U.S.C. 1681n. 

I look forward to your prompt resolution of this matter and a corrected credit report reflecting the removal of these unauthorized inquiries. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : * -- XXXX Phone : ( XXXX ) XXXX Email : 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 2025-01-05 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: Early Warning Services, LLC
State: IN

Complaint narrative:
These accounts were opened without my knowledge or consent and are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
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 2025-01-05 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/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 2025-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I I opened up this account had it for a long time the company was with capital one they made it transition and switched over to XXXX XXXX, which I had a hard time never received the The new card from them to use or make purchases. I made a purchase without the card called Bank and told him that I didnt have a card and I needed a card.card send XXXX XX/XX/XXXX then close my account on XXXX XXXX, which I thought was not fair and then told me I had to reapply with them to resolve it or remove this whole account of my credit I wasp never late

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 

XXXX XXXX Subject : Formal Request to Delete Inaccurate Account Information Dear Sir/Madam, I am writing to formally dispute inaccuracies in the information reported on my account with XXXX XXXX. Upon reviewing my credit report dated XX/XX/year>, I identified several errors that significantly misrepresent my account history. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my creditworthiness. 
The following issues are of particular concern : Reported Balance : My balance is listed as {$12000.00}, which does not accurately reflect my payment history or current balance. 

Payment History : The report claims I have made only 50 % of payments on time, which is false. My records demonstrate consistent and timely payments.Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), inaccurate or unverifiable information must be corrected or removed from my credit report. Specifically : 15 U.S.C. 1681i ( a ) : You are required to investigate disputed information within XXXX days of receipt of this letter. 

15 U.S.C. 1681s-2 ( b ) : As the furnisher of information, you are required to conduct a reasonable investigation and promptly delete inaccurate, incomplete, or unverifiable data from credit reports. 
Given the inaccuracies in the information provided and the harm it has caused, I am requesting that the account information in question be immediately deleted from my credit report. 
Please confirm in writing that this account has been deleted, or provide documentation verifying the accuracy of the reported balance and payment history. If the account is not deleted or properly verified, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Additionally, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ). 
For your review, I have attached copies of payment receipts and account statements to support my claim. Please respond to this letter within XXXX days as required by law. 
Thank you for your immediate attention to this matter. You may contact me at the phone number or email listed above with any questions. 
Sincerely, 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 2025-01-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> I am writing to formally report unauthorized hard inquiries on my credit report as a result of identity theft. I did not authorize these credit inquiries, nor did I apply for any new lines of credit associated with them.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
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