vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: DE

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide various documents pertaining to this alleged account including the purchase agreement to show full ownership of such account, so that I may review XXXX see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MA

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 2025-04-28 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024.

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 




Account Name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX  Reason : Unverified account

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 2025-04-27 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX Name : XXXX XXXX XXXX Balance : {$650.00} Date XXXX XXXX Name : XXXX XXXX XXXX Balance : XXXX Date XXXX XXXXAcct Name : XXXX XXXX Balance : XXXX Date XXXX INCORRECT ADDRESSES XXXX XXXX XXXX. ) XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX # WA XXXX XXXX, XXXX XXXX. ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX. ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX UNAUTHORIZED INQUIRY LISTED : XXXX. ) XXXX XXXXXXXX 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 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX Name : XXXX XXXX XXXX Balance : {$650.00} Date XXXX XXXX Name : XXXX XXXX XXXX Balance : XXXX Date XXXX XXXXAcct Name : XXXX XXXX Balance : XXXX Date XXXX INCORRECT ADDRESSES XXXX XXXX XXXX. ) XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX # WA XXXX XXXX, XXXX XXXX. ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX. ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX UNAUTHORIZED INQUIRY LISTED : XXXX. ) XXXX XXXXXXXX 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 2025-04-27 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: CA

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and discovered a fraudulent hard inquiry by XXXXXXXX XXXX ( XXXXXXXX XXXX  ) dated XX/XX/year>. 
I never applied for any XXXX credit account. Immediately after noticing the inquiry, I contacted XXXXXXXX XXXX. XXXX confirmed in writing that the application was fraudulent, not initiated by me, and the inquiry was unauthorized.

This inquiry violates the Fair Credit Reporting Act ( FCRA ) 604 because it was made without a permissible purpose or my consent. Additionally, under FCRA 605B and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to have fraudulent information resulting from identity theft blocked or deleted immediately.

TransUnion allowed unauthorized access to my private consumer data, damaging my creditworthiness and exposing me to further risk of fraud.

I am formally requesting immediate action and enforcement of my rights under federal law.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Last year I can not find the account disputes on XXXX XXXX further. I had disputed by mail and then online student loan account early XXXX and other accounts. They have now closed XXXX accounts over the disputed thirty-day time. XXXX account XXXX student loan when I requested original loan and account information. I also by mail requested to be removed inquires being that I did not get a loan koons auto as well. They waited over the allotted time and do not respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX violated my rights with improper information on my report 15 U.S.1666b ( a ) & ( b ) A Creditor may not treat a payment on credit card account under an open end consumer credit plan as Late for any purpose, 15U.S. Code & 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights so please delete this from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is attempting to collect an incofimed debt on behalf of XXXX XXXX XXXX, and has been doing so since 2022. In their reposting to the credit bureaus, they have described the account as CO ( charged off ) every month since 2022. This is an attempt to re-age the alleged debt and keep it appearing on my credit files longer than allowed. In addition, the statute of limitations for a debt owed to a heal care facility in the state of Florida is XXXX ( XXXX ) years. Finally it is my understanding that CFPB has implemented a rule that medical debt not be reported to credit bureaus. XXXX XXXX XXXX and XXXX XXXX XXXX are both subject to the laws of the state of Florida, which is my state of residence. 

Thank you, 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is attempting to collect an incofimed debt on behalf of XXXX XXXX XXXX, and has been doing so since 2022. In their reposting to the credit bureaus, they have described the account as CO ( charged off ) every month since XXXX This is an attempt to re-age the alleged debt and keep it appearing on my credit files longer than allowed. In addition, the statute of limitations for a debt owed to a heal care facility in the state of XXXX is XXXX ( XXXX ) years. Finally it is my understanding that CFPB has implemented a rule that medical debt not be reported to credit bureaus. XXXX XXXX XXXX and XXXX XXXX XXXX are both subject to the laws of the state of XXXX which is my state of residence. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute and demand the removal of XXXX unauthorized hard inquiries that appear on my Equifax credit report. 
I do not recall authorizing these creditors to access my credit report, nor did I provide written consent as required under federal law for a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to maintain the maximum possible accuracy of the information contained in my credit reports, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit files, I found multiple unauthorized and inaccurate accounts, outdated addresses, and hard inquiries reported without my consent. Specifically, items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and multiple collection agencies appear across my credit reports. Additionally, several previous addresses and unauthorized hard inquiries from XXXX XXXX and XXXX XXXX were listed. These reports were made without permissible purpose and without my written authorization, violating 15 U.S.C. 1681b and 1681c.

I formally disputed these inaccuracies and issued an opt-out notice to each bureau, demanding that they delete the disputed accounts, addresses, and inquiries, and cease any further unauthorized reporting of my personal information. Despite providing detailed disputes and invoking my rights under the FCRA and the Privacy Act of 1974 ( 5 U.S.C. 552a ), the bureaus have not adequately corrected the records or provided sufficient verification of the disputed items. 

Their failure to correct and remove these unauthorized and inaccurate items has negatively impacted my creditworthiness, caused financial hardship, and subjected me to emotional distress. 

I am requesting the CFPBs assistance in enforcing my consumer rights. I respectfully ask that the CFPB investigate these violations and ensure that Equifax, Experian, and TransUnion : Permanently delete the inaccurate accounts, addresses, and hard inquiries ; Cease reporting my personal information without explicit written consent ; Provide an updated and corrected copy of my credit reports free of charge. 

If these issues are not resolved promptly, I am prepared to pursue all remedies available under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your time and 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 non-monetary relief
Consumer complaint received 2025-04-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to maintain the maximum possible accuracy of the information contained in my credit reports, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit files, I found multiple unauthorized and inaccurate accounts, outdated addresses, and hard inquiries reported without my consent. Specifically, items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and multiple collection agencies appear across my credit reports. Additionally, several previous addresses and unauthorized hard inquiries from XXXX XXXX and XXXX XXXX were listed. These reports were made without permissible purpose and without my written authorization, violating 15 U.S.C. 1681b and 1681c.

I formally disputed these inaccuracies and issued an opt-out notice to each bureau, demanding that they delete the disputed accounts, addresses, and inquiries, and cease any further unauthorized reporting of my personal information. Despite providing detailed disputes and invoking my rights under the FCRA and the Privacy Act of 1974 ( 5 U.S.C. 552a ), the bureaus have not adequately corrected the records or provided sufficient verification of the disputed items. 

Their failure to correct and remove these unauthorized and inaccurate items has negatively impacted my creditworthiness, caused financial hardship, and subjected me to emotional distress. 

I am requesting the CFPBs assistance in enforcing my consumer rights. I respectfully ask that the CFPB investigate these violations and ensure that Equifax, Experian, and TransUnion : Permanently delete the inaccurate accounts, addresses, and hard inquiries ; Cease reporting my personal information without explicit written consent ; Provide an updated and corrected copy of my credit reports free of charge. 

If these issues are not resolved promptly, I am prepared to pursue all remedies available under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your time and 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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
OneMain Financial Group, LLC has failed to lawfully validate an alleged charged-off unsecured loan account after a formal written debt validation demand was issued pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Specifically, OneMain Financial failed to provide : A wet-ink signed original loan agreement bearing my physical signature ; The full name, official title, and company affiliation of each individual who executed or authorized the original agreement; Individual notarization verifying the authenticity of all signatures tied to the creation, transfer, or assignment of the loan ; A complete and itemized payment ledger from inception through charge-off ; Proof of chain of ownership if the loan was assigned, transferred, or securitized ; Proof of legal authority to collect or enforce the alleged debt in the State of Georgia. 

Despite the lack of lawful validation, OneMain Financial has continued to report negative information regarding the alleged account to consumer reporting agencies, in violation of the FDCPA and FCRA. 

I respectfully request supervisory review and appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX I do not have any affiliation with this\n address please remove off my creditXXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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