vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I am submitting this formal complaint due to inaccurate and unauthorized XXXX  inquiries appearing on my credit report with XXXX. I have already submitted disputes to all XXXX  major credit bureaus XXXX XXXX XXXX XXXX regarding the following inquiries and accounts : XXXX XXXX XXXXXXXX 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  XX/XX/XXXX Both XXXX  and XXXX  completed their investigations and removed these unauthorized inquiries/accounts from my file. However, XXXX failed to conduct a proper investigation and refused to remove these entries, even after being provided documentation and prior results from the XXXX XXXX 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ) ( XXXX ) ( A ), which requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information. 

Additionally, I have begun gathering supporting documents and plan to submit them to and the Federal Trade Commission ( FTC ). XXXX failure to follow proper reinvestigation procedures and to align their resolution with the findings of XXXX and XXXX  is unacceptable and is damaging to my creditworthiness. 

I am requesting immediate removal of these inaccurate and unauthorized inquiries/accounts from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-29 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  XXXX  Date : 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 2025-07-29 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:
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened 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 explanation
Consumer complaint received 2025-07-29 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: CBC Companies, Inc.
State: TX

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to the XXXX XXXX  regarding a fraudulent Discover XXXX card account that appears on all XXXX  of my XXXX XXXX ( XXXX XXXX XXXX XXXX  ). I did not open this account, and I have reason to believe it is the result of identity theft. 

In my original dispute, I submitted a police report documenting that my wallet and multiple bank cards were stolen. Despite this, the account was not removed. Instead, between XXXX XXXX XXXX, the XXXX updated my XXXX  to reflect a charge-off status on the fraudulent Discover account. This caused an XXXX drop in my XXXX XXXX. 

I was never contacted by Discover or given an opportunity to provide more information before the charge-off was reported. 

Now, I am being told that payments made on the account are being used as proof that I am responsible, but those payments were made using my stolen bank cards, without my knowledge or consent. This is detailed in the police report I submitted. 

I requested : The results of the investigation, The name and contact information of the data furnisher ( Discover ), XXXX of any communication with Discover, And an explanation of how the XXXX  concluded the account was valid despite my identity theft report. 

I received no such information. Instead, my complaint was ignored or redirected to unrelated tradelines. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a proper investigation, the removal of fraudulent information, and to be notified of the results. That has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DIME COMMUNITY BANCSHARES, INC.
State: WI

Complaint narrative:
I attempted to transfer funds through XXXX on XX/XX/year> to my XXXX  account based in XXXX. However, I mistakenly entered the wrong routing number, thinking it belonged to my intended institution. The routing number I used was for XXXX XXXX XXXX  which is unrelated to my actual investment platform. The amount sent was approximately XXXX. 

After realizing the mistake, I contacted XXXX immediately. They informed me that the transfer had already been completed and that they would initiate a recall through their banking partner. However, they stated that they could not guarantee the success of the recall and that the process could take XXXX business days, depending on the cooperation of the recipient bank. 

I have also contacted XXXX XXXX XXXX, but they refused to help directly, stating that only the originating bank ( XXXX or its partner ) can initiate a recall. Meanwhile, I have no way of verifying whether the funds have been deposited into someone elses account, nor do I have any confirmation that the recall request is being actively processed. 

This is a highly distressing situation as I am a XXXX student working temporarily in the XXXX, and this transfer involved nearly all of my XXXX. I believe the systems in place should have been able to detect a mismatch between my name and the recipient account name, especially since I do not hold any account with XXXX  XXXX XXXX. I am asking for assistance in expediting the investigation and return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Self Financial Inc.
State: MA

Complaint narrative:
I wrote a letter to the company called them when I first noticed it talks to the XXXX, all XXXX credit reports found dispute after dispute have gone nowhere, the company said. It's my, and when it's not a secure alone out of XXXX, I live in XXXX, never had a secure loan in my life. Never mind my Credit reports were all frozen.I don't even know how they got it. They said, I'm behind in payments. Somebody was making payments on the loan, not me. They won't take it off my credit report. Even though it is not me. I've asked them multiple times to see all the original documentation, and they still have yet to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
CREDENCE RM falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent inquiries off of my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-07-29 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent inquiries off of my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
Notice of Dispute and Formal Demand for Full Debt Validation Request for Immediate Deletion from Credit Reporting Agencies This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g & 1692e ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I am formally disputing the alleged debt that you claim I owe and demanding strict validation of this debt.

You are hereby notified that I request the following : 1. Full Validation of the Alleged Debt Under 15 U.S.C. 1692g ( b ), you are legally required to provide competent evidence that I owe the debt. This includes but is not limited to : A complete account history showing how the debt was calculated The original signed contract or agreement bearing my signature The name and address of the original creditor Proof that you have legal authority to collect on this alleged debt Documentation of the chain of assignment if the debt was sold or transferred Mere itemized statements or screenshots do not constitute legal validation. I am requesting full and complete documentationno summaries, no recreations.

2. Immediate Cease Reporting and Deletion Until Validated If you can not provide the above documentation within 30 days, you are required under federal law to : Cease collection efforts entirely Immediately delete all tradeline entries from all three credit reporting agencies ( Experian, Equifax, TransUnion ) Refrain from further contact unless proper validation is produced Reporting unverifiable or inaccurate information is a direct violation of the FCRA, specifically 1681s-2, and the FDCPA 1692e ( 8 ), which prohibits false, deceptive, or misleading representationincluding the continued reporting of inaccurate credit information.

3. No Phone Contact I demand all communication be in writing only. Any phone calls from your office will be recorded and may be considered harassment under FDCPA 1692d.

If you fail to comply, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals office, and pursue legal remedies as appropriate. 

I am keeping records of all correspondence regarding this matter for documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: VA

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I added chase credit card offer of 10 % cash back on XXXX, up to {$16.00}, offer expires XX/XX/XXXX. After adding that offer, I made purchase online on XX/XX/XXXX for {$100.00} and I'm expecting {$10.00} cash back. Chase refuses to give me cash back because they say that my transaction was not posted until XXXX. I checked the terms and it says " payment must be made on or before offer expiration date '' and there's no requirement for the post date. Hence I think I should be qualified for the cash back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
SPRING OAKS CAPITAL LLis falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LLis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> while I was traveling overseas, Synchrony Bank closed 11 credit cards that I had with them for no reason. Of the 11 cards 9 were in 0 balance and the the two with balance, were very low balances. All were in good standing, never a late payment. The reason they gave me was activity on accounts indicative of high risk of failure to pay. I tried to reason with them that their reason might be a mistake, because it made no sense. I called XXXX  ( which they said their decision was based on ) T said that my credit report was outstanding. The unfair closing of these accounts could affect negatively my credit.

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