vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I am beyond frustrated to find errors on my report that are unfairly lowering my scores and preventing me from moving forward financially. These mistakes are not only inaccurate but also harmful, causing unnecessary stress and limiting my opportunities. It is unacceptable that I have to deal with the consequences of incorrect information that should not be there in the first place.

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 2025-03-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
Hi CFPB! I need your assistance for my {$900.00} Gift Cards stocked with Vanilla / Incomm for the past few months, my card was placed on hold and I was told I need to verify OWNERSHIP of the card by sending in my valid documents which I did and after few business days the card was verified that Im the Legitimate Owner, and a replacement card should be sent to me but to my SURPRISE Incomm stopped the card mailing and claimed that my ADDRESS is not ELIGIBLE for receiving a REPLACEMENT Card & I was asked to send more valid documents which I did and I got the same response again, my address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Ive uploaded different documents to verify my address but they refused to send me a REPLACEMENT Card for several weeks now, please I needed help to help me have my money from these crook company bc I cant afford to loose my money to them, and I want a CHECK in REFUND, nor CARD again more. Thank you CASE NUMBER assigned : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TN

Complaint narrative:
I made my payment out of my account for {$1000.00} and my boyfriend owed me money so he was making a payment out of his account, The payment amount was going to be for {$330.00}. I do not want any email on my account. i do not have any app and I never make online payments and have no access purposefully. If there is ever online activity it is fraudulent. 

I just got off the phone with the supervisor XXXX in Illinois, who found it necessary to repeat herself 5 x and told me that without an email, she wouldn't let XXXX XXXX make the payment unless he provided an email. My boyfriend has been making payments for money he owes me since about XX/XX/XXXX. The {$330.00} was coming out of his account. We told her that there is no email that will be used on the account for me or XXXX XXXX XXXX. XXXX XXXX was also added to my account about XXXX until about XXXX with Discover. The former address I believe was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which XXXX XXXX XXXX was on my account, but i took him off later. Neither one of us has ever used an email account on my Account and will never use it. Just to mail the receipt by US Mail to my home address. I have always had a XXXX  license and have lived in XXXX and XXXX since I was XXXX. I was born in the US. The account has obviously still been mixed up with XXXX from XXXX or this would not be happening. We already know that they have mixed me up and XXXX XXXX is still mixed up and so are the other credit agencies. I provided the police report to Discover. Police report XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. I reached out to Discover on linked in to one of their XXXX security people name XXXX. That way they know who I am. XXXX XXXX continues to Mix me up. I don't have children and I am not married. I then called back and and XXXX took my payment confirmation XXXX without a problem. I need the receipt mailed to my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
My address is in correct on my credit report. 

Please update it to the following : XXXX XXXX XXXX XXXX, XXXX, FL 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My address is in correct on my credit report. 

Please update it to the following : XXXX XXXX XXXX XXXX, XXXX, FL 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 2025-03-26 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Account was opened without my knowledge. i have a hard inquiry on my credit report that wasnt made by me

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit file. According to my recent credit report, the following account contains errors : I am writing to dispute and formally request the removal of fraudulent information that has been reported on my credit file. According to my recent credit report, the following account ( s ) were opened without my knowledge or consent : XXXX XXXX XXXXXXXX XXXX  that starts with XXXXXXXX XXXX XXXXXXXX XXXX that starts with XXXXXXXX XXXX XXXXthat starts with XXXX MIDLAND CREDIT MANAGEMEN that starts with XXXX this information is inaccurate and does not reflect my true credit history. Therefore, under Section 623 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), I am requesting that this information be fully investigated. If the information can not be verified after the investigation, I request that the account be permanently deleted from my credit report. 

I respectfully request that this information be corrected or removed from my credit report. If the furnisher fails to comply with its obligations under Section 623 ( b ), Thank you for your prompt attention to this serious matter. I look forward to receiving confirmation that these fraudulent accounts have been removed from my credit report. 



XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit file. According to my recent credit report, the following account contains errors : I am writing to dispute and formally request the removal of fraudulent information that has been reported on my credit file. According to my recent credit report, the following account ( s ) were opened without my knowledge or consent : XXXX XXXX XXXXXXXX XXXX that starts with XXXX XXXX XXXXXXXX XXXX that starts with XXXX XXXX XXXXthat starts with XXXX XXXX XXXX XXXX that starts with XXXX this information is inaccurate and does not reflect my true credit history. Therefore, under Section 623 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), I am requesting that this information be fully investigated. If the information can not be verified after the investigation, I request that the account be permanently deleted from my credit report. 

I respectfully request that this information be corrected or removed from my credit report. If the furnisher fails to comply with its obligations under Section 623 ( b ), Thank you for your prompt attention to this serious matter. I look forward to receiving confirmation that these fraudulent accounts have been removed from my credit report. 



XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I did not authorize this inquiry or opening of account nor do I have any recollection of applying for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), any hard inquiry must be authorized by the consumer. Since I did not grant permission for this inquiry, I am requesting its immediate removal from my credit report. 

Please consider this letter as my formal request for the removal of this unauthorized hard inquiry. Additionally, I request that you provide written confirmation once the inquiry has been successfully removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Debit Card declined 5 times multiple phone calls talking to three Wells Fargo agents, and one of their fraud agents and none of them could solve the problem. Despite admitting they could see I had plenty of money in my 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 explanation
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX, XXXX :, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXXXXXX on XX/XX/XXXX under the XXXX and XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in few fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-27 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: WI

Complaint narrative:
I filed complaint XXXX, the complete complaint was not display. 

I attached the complaint. The complaint will describe XXXX XXXX was at my home a second time to remedy the damages they caused with their XXXX XXXX XXXX installation. They did not recommend a redo which it does require a redo. I will have this demolished and replaced. 

I did give them a good lashing and they deserved it. 

My Complaint is attachment filename XXXX XXXX and XXXXCompliant. 
Image of damage and injury Contract Change Orders ( 2 )

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 2025-03-27 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: FL

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: HW Holding, Inc
State: IL

Complaint narrative:
We left that apartment complex due to a XXXX that happened in my apartment, then shortly after, a XXXX  happened in the apartment above mine. XXXX XXXX ruined my stuff in my apartment. I informed management I was leaving the complex due to me being XXXX, and myself and my children XXXX XXXX XXXX XXXX  constantly, which I have Dr reports of. Because of the XXXX  we had XXXX in my apartment which I have pictures of. Management knew we were leaving and told us it was ok to go then all of a sudden we have rental debt on our record. Ive never had rental debt before, never defaulted on a lease, and now Im stuck with either having to pay a debt that I dont owe, or I have to spend a thousands of dollars on an attorney to get this removed from my credit. The apartment did us an injustice in how we were treated there, and now a debt collector adding this to my credit. Not to mention, when they rented me the apartment the apartment had no XXXX XXXX. And we werent alerted of XXXX .i also took pictures of them installing a XXXX XXXXXXXX  because i knew people would try to lie. I will be attaching an image of my son being terribly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We didnt default on a lease we were told we could leave because we were living uncomfortably. There should be no debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The alleged account is from Macys account # XXXX open on XX/XX/year> in the amount of {$500.00} in my name I dont recall opening this account and sought proof that this account was opened with my information and signature by verification and validation and never received any response from the creditors on this 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 2025-03-26 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: CA

Complaint narrative:
I have a company by the name XXXX consumer on my credit report. I am requesting a verification of debt under 15 U.S.C 1692g ( a ), a 1099c of verification of the debt being a charge off see XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

I want a original contractor bearing my signature with 10 point font it should be understandable and readable per consumer protection Act 68 2008 ( CPA ). 

I want a itemize breakdown of how you figure i owe this money. 

I understand XXXX has engaged in false malpractice 's and erroneous FDCPA violations. SEE COMMONWEALTH OF PENNSYLVANIA BY ATTORNEY GENERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a complaint with the XXXX, and sent information to the Attorney general. 

I want this information i requesting to be uploaded as a response into the CFPB portal. 

Failure to comply will result in a filing with the department of consumer affairs & FCRA & FDCPA rights violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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 2025-03-26 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 submitting an FTC report Containing XXXX fraudulent accounts. I am also submitting XXXX inquires I did not apply for. Addresses and employment information to be deleted as well. 
I am also attaching My temporary Identification renewal dated XXXX to verify my identity along with my voters registration card.

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 2025-03-27 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: 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and recently discovered several unauthorized hard inquiries on my credit report that I did not initiate or approve. These inquiries were made by companies I have no relationship with and I did not apply for credit with them on any of the listed dates. 

The following inquiries are unauthorized : XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I did not authorize any of these companies to pull my credit, nor did I submit any applications for credit cards, loans, or services with them on or near those dates. 

Upon discovering these inquiries, I took the following actions : I submitted disputes with the credit reporting agency to request removal of these fraudulent inquiries. 
I reported the identity theft incident to the Federal Trade Commission ( FTC ). 
I initiated steps to protect my identity, including placing a fraud alert on my credit profile. 
These inquiries are negatively impacting my credit and are the result of unauthorized use of my personal information. I am requesting the Consumer Financial Protection Bureaus assistance in having these inquiries removed from my credit file.

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