vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I called One Main Financial on XX/XX/year> and spoke with XXXX and explain my situation. My automatic payment was due on XX/XX/year>. I explain having financial hardship at this time and I am needing them to stop the draft. 
XXXX was nice and told me she would check into getting the draft stop for this month. Asked if could call me back, I said yes. I received a call back from her on XX/XX/year> at XXXX XXXX  and assured me the draft would not happen. 

On XX/XX/year>, I saw on my bank statement that a pending draft was coming through. I called One Mail and asked for XXXX and she was on another call. Left message for call back and did not receive. I called back and she answered the phone and I begin to remind her of our call. Then she asked me to hold on. Next there was another person on the line named XXXX. She was very rude and kept talking over me to no avail. 
She was very condescending and trying to intimate with her tone. I asked her to get the draft stopped and she stated could. She refused to give me her manager 's name and any other person of contact to handle my situation. 

During the phone call, XXXX threated me by saying if you don't pay, ( IT WILL BE BAD FOR YOU ) she kept repeating this phrase several times during the call. I contacted the police to file a report and they were not willing to accept. XXXX was all over the call with attitude and unfair communication. XXXX was very rude and obnoxious kept talking over me and rambling all over the place. I just hung up the phone. 

My loan originated with the office in XXXX XXXX  and that office has since been closed due to illegal activity. I am sure CFPB can get the full reason. I was scammed by this office. I originally had a loan then got pre-approved email for a smaller amount. To my understanding this would be separate. Then it wasn't, how I was entrapped. Tried to get straight and they refuse to assist me. This is bad business practice. I think they needs to be investigated further, and license revoked. 

I want my payment refunded to me in the form of a check ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX  * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIEXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Complaint Title : Early Warning Reinserted Fraudulent Account Despite XXXX Police Report Urgent Deletion Requested Under FCRA Complaint Details : I am filing this complaint as a victim of identity theft and a consumer protected under the Fair Credit Reporting Act ( FCRA ) and related federal laws. 

I submitted a formal police report from the XXXX XXXX Police Department ( XXXX ) regarding fraudulent activity on accounts XXXX XXXX XXXX and XXXX XXXX. I have provided a police report to Early Warning Services, which is currently reporting these accounts as legitimate. 

Initially, XXXX  XXXX XXXX and XXXX XXXX removed these accounts after acknowledging the fraud. However, Early Warning later reinserted these fraudulent accounts into my file without notifying me, without a valid reinvestigation, and without providing documentation, as required under the FCRA. 

To date, Early Warning has refused to honor my police report and continues to report these accounts as legitimate, in direct violation of FCRA guidelines and my rights as a documented identity theft victim. 

I am demanding : 1. A full investigation by the CFPB into Early Warning Services for noncompliance with the FCRA and identity theft laws.

2. The immediate deletion of all records related to the fraudulent XXXX  XXXX XXXX and XXXX XXXX accounts from my Early Warning file. 
XXXX. Written confirmation that these fraudulent accounts have been permanently removed from my file and will not be reinserted in the future without full compliance with 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Early Warning has failed to provide me with any documentation or explanation regarding the reinsertion of this account, as required under the law. Their inaction and repeated reporting of fraudulent information is damaging, unlawful, and unacceptable. 

I am attaching the XXXX police report and all supporting documentation to this complaint. 

Requested Resolution : Immediate deletion of the fraudulent XXXX XXXX XXXX and XXXX XXXX accounts from Early Warning Services. 
Full CFPB investigation into Early Warnings practices.

Written confirmation of permanent deletion and compliance with federal laws protecting identity theft victims.

I am demanding immediate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-16 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: TX

Complaint narrative:
I paid this account off in XX/XX/year> and XXXX updated my credit report and stated that the account was current when it should say the charge off was paid. Instead they updated and said it was current like they never received payment. They then closed the account so I am unable to dispute my credit report. My credit report went down XXXX points because of this false update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXXXXXX XXXX jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Your Phone Number ) ( Your Email ) XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : URGENT Dispute Request for Immediate Removal of Unauthorized Hard Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am filing this formal complaint to demand the immediate investigation and removal of unauthorized and fraudulent hard inquiries reported on my credit file. These inquiries were made without my knowledge, consent, or any permissible purpose, and thus violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The following inquiries are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entities accessed my credit file without authorization, in violation of : 15 U.S.C. 1681b ( f ) Prohibits obtaining a consumer report without a permissible purpose or consumer authorization.

15 U.S.C. 1681n and 1681o Establish civil liability for willful and negligent noncompliance with FCRA requirements.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires reinvestigation of disputed information within 30 days.

15 U.S.C. 1681c-2 Provides for blocking of fraudulent information, including inquiries resulting from identity theft, within four business days of receiving proper documentation.

These hard inquiries are not only unauthorized, but they are also causing irreparable damage to my creditworthiness. Given the urgency and the clear violations of federal law, I am requesting their immediate removal within 24 hours.

Enclosed/attached are : A copy of my government-issued ID A proof of address A copy of my credit report, highlighting the unauthorized inquiries Please confirm the removal of the disputed inquiries and provide written documentation of the results of your investigation. Should this matter not be resolved immediately, I am prepared to file complaints with the FTC, the Ohio Attorney General, and pursue legal action as necessary. 

Thank you for your prompt attention to this serious 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 2025-07-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Your Phone Number ) ( Your Email ) XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : URGENT Dispute Request for Immediate Removal of Unauthorized Hard Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am filing this formal complaint to demand the immediate investigation and removal of unauthorized and fraudulent hard inquiries reported on my credit file. These inquiries were made without my knowledge, consent, or any permissible purpose, and thus violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The following inquiries are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entities accessed my credit file without authorization, in violation of : 15 U.S.C. 1681b ( f ) Prohibits obtaining a consumer report without a permissible purpose or consumer authorization.

15 U.S.C. 1681n and 1681o Establish civil liability for willful and negligent noncompliance with FCRA requirements.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires reinvestigation of disputed information within 30 days.

15 U.S.C. 1681c-2 Provides for blocking of fraudulent information, including inquiries resulting from identity theft, within four business days of receiving proper documentation.

These hard inquiries are not only unauthorized, but they are also causing irreparable damage to my creditworthiness. Given the urgency and the clear violations of federal law, I am requesting their immediate removal within 24 hours.

Enclosed/attached are : A copy of my government-issued ID A proof of address A copy of my credit report, highlighting the unauthorized inquiries Please confirm the removal of the disputed inquiries and provide written documentation of the results of your investigation. Should this matter not be resolved immediately, I am prepared to file complaints with the FTC, the Ohio Attorney General, and pursue legal action as necessary. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: DE

Complaint narrative:
b'XXXX XXXX\nXXXXnXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX\n\n \nExperian XXXX XXXX XXXX, TX XXXX\n \nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1.\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n2.\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX\n3.\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nINQUIRIES:\n1.\tXXXX XXXX XXXX XXXX\n2.\tXXXX XXXX XXXX XXXX XXXX\n3.\tCXXXX XXXX XXXX XXXX XXXX XXXX XXXX\n4.\tXXXX XXXX XXXX XXXX XXXX XXXX\n5.XXXX XXXX XXXX XXXX XXXX\n6.\XXXX XXXX XXXX XXXX XXXX\n7.XXXX XXXX XXXX XXXX XXXX\n8.\XXXX XXXX XXXX XXXX XXXX\n9.\tXXXX XXXX XXXX XXXX XXXX XXXX\n10.\tXXXX XXXX XXXX XXXX  XXXX XXXX XXXX\n11.\tXXXX XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nXXXX 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
I paid this account off in XX/XX/scrub> 2025 and XXXX updated my credit report and stated that the account was current when it should say the charge off was paid. Instead they updated and said it was current like they never received payment. They then closed the account so I am unable to dispute my credit report. My credit report went down XXXX points because of this false update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
XXXX. XXXXXXXX XXXX XXXX in XXXX XXXX, CA, sent my file to collection agency upon vacating the unit without NOTICE to me XXXX. Upon inquiring about the status of my deposit refund on XX/XX/XXXX, they finally provided support of additional charges in XXXX, yet, incomplete breakdown of charges ; we spent much of XXXX in dialog back and forth about predatory charges ; in meantime, collection the agency called me, which I informed them that this is an Open Dispute Matter and asked to allow time as XXXX XXXX asked for time to review my concerns. Today, XX/XX/XXXX the XXXX and XXXX XXXX IQ Data International INC reported me to the XXXX credit bureau without affording due process of holding off for at least 30 days, nor did they advise ahead of their action. 
XXXX at issue as well, XXXX XXXX to address a bio-hazard safety issue with adjacent trash bin with excessive foul smell and flies ; among other issues, I broke the lease and paid them 2 months penalty...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AL

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 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am writing to express my deep dissatisfaction with USAA BANK the handling of my recent dispute and to raise concerns about what I believe to be discriminatory treatment. 

My account was involved in a transaction with a company based in XXXX, which I later discovered was a scam. I initially reported this fraud, and USAA temporarily credited my account with {$2300.00}. However, five days later, I received a note indicating that the funds had been removed due to a lack of documentation. 

I had previously sent USAA all relevant documentation proving the fraudulent nature of the transaction, including details of the company involved and evidence of the scam. Despite this, I was informed that USAA did not have my documentation on file, and I was told that no request for such documentation had been made. This contradiction is concerning, and I believe my case was not thoroughly investigated. 

Furthermore, the resolution provided was insufficient ; I only received a partial refund, and I feel that my case was not given the appropriate attention or consideration. I also want to note that XXXX recognized the scam and refunded my money, which underscores the legitimacy of my claim. 

I have been a USAA customer for 14 years, and I am disappointed by the apparent lack of diligence and the dismissive manner in which my dispute was handled. I suspect that discrimination may have played a role in this process, and I respectfully request a thorough investigation into my case. 

Thank you for your attention to this matter. I look forward to your prompt response and a fair resolution.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is XXXX XXXX correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with explanation