vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance Reported : {$3600.00} Disputed Late Payments : TransUnion XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX Inconsistent Reporting : The late payment dates do not match across bureaus, violating FCRA 623.

Failure to Verify : Under FCRA 609, I request proof that I was actually late. 
XXXX XXXX XXXX Compliance Violation : If my account was brought current, the late payment must not be reported as delinquent.

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 2025-02-27 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: NY

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance Reported : {$3600.00} Disputed Late Payments : XXXX XXXX XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX V Inconsistent Reporting : The late payment dates do not match across bureaus, violating FCRA 623.

Failure to Verify : Under FCRA 609, I request proof that I was actually late.

V Metro 2 Compliance Violation : If my account was brought current, the late payment must not be reported as delinquent.

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 2025-02-27 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: NY

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance Reported : {$3600.00} Disputed Late Payments : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX V Inconsistent Reporting : The late payment dates do not match across bureaus, violating FCRA 623.

Failure to Verify : Under FCRA 609, I request proof that I was actually late.

V Metro 2 Compliance Violation : If my account was brought current, the late payment must not be reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: LA

Complaint narrative:
Experian, Equifax and TransUnion have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and TransUnion have neither corrected nor removed disputed items with late payments despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: LEXISNEXIS
State: CA

Complaint narrative:
To whom this may concern, It has come to my attention that someone has been fraudulently opening bank accounts in my name. I am submitting a FTC report in accordance to FCRA 605B to have the attached accounts removed or blocked from listed credit reporting agencies as well as removed from any sister companies your reporting these fraudulent accounts too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I applied for a balance transfer card with XXXX on feb. XXXX 2025. I was approved, got email verifications and got my card. 

XXXX XXXX 2025 I got a letter in the mail from XXXX XXXX with a brand new card asking me to activate now so I may use my card. I DID NOT activate that card. Instead I called XXXX XXXX to dispute and inform them that I did not apply for this card. They Said the investigation could take up to 60-90 and that in the meantime I was to fax them my social and drivers license, I told them I was not going to do that at all. They then gave me a case # XXXX. I asked for them to send me email verifications and I still have yet to see any of that. I also never received any emails about this account prior. 

Then the following day I received another piece of mail from XXXX XXXXXXXX XXXX saying that they had denied by credit card account application due to to many inquiries. I connected XXXX and disputed only the XXXX XXXX, and then dispute the XXXX XXXX with XXXX. 

Last night I received an email from my bank informing me that my credit score had dropped XXXX points! I looked into my that and saw two most credit cards. I have not seen anything in the mail for those at this time. 


Here are all the cards that I did NOT apply for. 
XXXX - XXXX XXXX 2025 Barclays Bank - XXXX XXXX- have no documents at this time XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX- Have not documents at this time I know about the ones with no documents because they are showing up on my credit report. 

As of this moment none of them are showing a balance.

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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: ID

Complaint narrative:
Free annual credit report shows a negative on report from AWA llc for junk debt from XXXX XXXX. 
I've never heard of said company and feel it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized XXXX  parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), XXXX U.S.C. XXXX ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 


XXXX : XXXX failed to properly restrict access to consumer information. 
XXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX et seq. 


XXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX et seq. 


XXXX ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. XXXX ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I will take them to court if they do not remove all of these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are inaccuracies on my credit report, including incorrect names, addresses, and phone numbers. It is essential to dispute these errors to ensure the report reflects accurate and up-to-date information. Prompt correction of these inaccuracies can help prevent potential issues with credit applications and identity verification. I am writing to formally dispute inaccuracies on my credit report and to address potential negligence and civil liability under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I recently reviewed my credit report and found incorrect names, addresses, and phone numbers that do not belong to me. These inaccuracies suggest a failure to maintain accurate consumer information, which may have resulted from the Equifax data breach and subsequent mishandling of my personal data.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of consumer information and to investigate disputes promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nations Info Corp
State: OH

Complaint narrative:
I was on XXXX XXXX  XXXX  XXXX looking for a room to rent and a person put an ad up pretending to be renting out a room when in fact they were an affiliate with the company, " Your score and more '', and also " XXXX XXXX, XXXX XXXX sending me affiliate links to sign up saying that he needed my credit score in order to rent me a room. I signed up with both websites using my credit card and I was charged {$29.00} with " XXXX XXXX XXXX or XXXX XXXX XXXX '' and then " For your score and more '' I was charged, {$1.00} For a seven-day trial. The next day I canceled both memberships. They said from XXXX XXXX that they would refund my money within seven to 10 days. I am going to be waiting to see if I really will get the refund. I got charged a XXXX  for your score or more, but I don't know if I'll get that as a refund. When I was still communicating with him about the room I sent him screenshots of my credit reports to show him my credit score from the credit monitoring websites your score and more and XXXX XXXX XXXX, he texted me another link to another affiliate credit score website saying he needed a 3rd Confirmation of my credit score to make sure that my credit score was safe for him to rent me the room. That's when I knew it was a scam, and I texted him telling him I knew he was scamming me trying to make money off of his affiliate links with those credit score websites. And when I went to look for the ad on XXXX it was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
OneMain Finance call Me about loan I Applied for yesterday XXXX XXXX said I was Approved for {$15000.00} they were going to Pay My XXXX XXXXXXXX XXXX {$8300.00}... I was going to get after the XXXX was Paid {$7500.00} on My Debit card ... XXXX said within the Hour the Money would be on My Card... 
Everything was set I Underwriter Approved and I was in the Closing Room gave All My Information Debit Card so they Can Deposit My Loan after an hour in the waiting on papers from My Insurance company to fax them and get My Money Deposited in Debit Card... 

XXXX ( Agent ) came after Assuring Me I was Approved just wait insurance papers to come.. 

Then After waiting XXXX came said Underwriter said I would Only get {$3200.00} after Paying the XXXX that is Not what We Agreed On... 
I Feel I Was Lied too... 
They ran My Credit Report and Now that Dropped My Credit score because of what they did ... and someone should be Held Accountable for what they done by Pulling Me into the Closing Room and then backing out of Our Agreement...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year>, I called Midland credit Management regarding this debt that they have listed as account # XXXX, which they purchased from XXXX, the account from XXXX was charged off, which, I believe, is grounds to have it removed from my credit report. At any rate, I called Midland credit management, verified myself and spoke with a representative named XXXX. I gave my account number, they have listed, and humbly requested that she send to me a forward flow agreement, a chain of assignment, a debt validation letter, and had there been any insurance claims on this debt. She, at this point refused the request and stated she was going to put someone on the phone who could assist me. The next person I spoke with stated that her name was XXXX XXXX, and again, I asked for the above items, but to no avail. As a consumer, I am entitled to ask for these items and receive them, which they refused to do. Also they obtained my personal information without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
I am disputing the XXXX XXXX charge-off reporting on my credit file due to multiple factual errors and inconsistencies across TransUnion, Experian, and Equifax. 
DISPUTE DETAILS : Creditor : XXXX XXXXXXXX Account Number : XXXX Balance Discrepancy : TransUnion & Equifax show {$2900.00}, but Experian shows $ O. 
Charge-Off Dates Are Inconsistent : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Account Status Conflict : TransUnion & Equifax say `` Charge-Off '', but Experian says " Account was in dispute - now resolved. '' If the dispute was resolved, Experian must update OR delete 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-27 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: TX

Complaint narrative:
Second CFPB Complaint Equifax Failed to Remove Account After Confirming Deletion This is my second complaint due to Equifaxs failure to follow through. Based on my previous dispute with Equifax I was advised XXXX & XXXX was removed from my credit report. As of date XX/XX/year>2025 it has not been removed. My latest credit report dated XX/XX/scrub>/2025 still shows the account. This is a false representation by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-27 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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