vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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 report that my personal data has been compromised in a recent security breach, and this incident has significantly and negatively affected my credit report. I have reason to believe that unauthorized parties may have gained access to my sensitive personal and financial information, including but not limited to my full name, date of birth, address, banking details, and possibly my identification documents. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am entitled to dispute inaccurate or incomplete information in my credit report, and I am asserting my rights under this statute. Upon reviewing my credit report, I identified several accounts that I did not open and transactions that I did not authorize. These accounts are the result of identity theft, which I believe is directly related to the information compromised in the data breach.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Independence Capital Recovery, LLC
State: NJ

Complaint narrative:
XXXX  took advantage of me by debiting my account on the wrong dates making them unauthorized debits/transactions then without my knowledge charged off my account and sold it to Independence Capital Recovery. Independence Capital Recovery is in the process of sueing me when XXXX XXXX breached their contract with me making it an inappropriate lawsuit. I signed a contract with XXXX XXXX XXXX XXXXXX/XX/XXXX payments of {$260.00} were due on the XXXX of each month but XXXX XXXX  took the money out of my account on random days each month causing me to go into a financial deficit I called them back in XXXX of XXXX and explained that and their resolution was to give me a temporary relief which was a contract that modified the original contract for the next XXXX periodic payments which were for XX/XX/XXXX and XX/XX/XXXX but on XX/XX/XXXXXXXX XXXX made an unauthorized transition of {$260.00} instead of the modified agreed amount of {$26.00} which further sent me into a financial deficit it took XXXX weeks for the money to be funded back in my account so I signed another temporary relief for the next two periodic payments which were for XX/XX/XXXX and XX/XX/XXXX but again they breached their contract with me and debited my account on the wrong dates XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX they also debited the wrong amount {$31.00}. Then when I complained about all the wrong transactions and dates they froze my account while they investigated and we went back and forth with disputes and then in XXXX without my knowledge they charged off my account and sold it to Independence Capital Recovery. I have already explained this to Independence Capital Recovery but they are still trying to sue me even though XXXX breached their contract and took advantage of me making This lawsuit inappropriate!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I applied for a loan with this company on XX/XX/25 because it said I was pre-qualified thru experian. I processed the loan application and got hit with a credit inquiry and I was APPROVED for the loan of XXXX with monthly payments of {$66.00} for XXXX months. I did the bank verification and also submitted photos of my ID. I called the XXXX hours later just to check on the status of my application and the woman on the phone redid what seems to be a whole new application and then said I was denied. I told her how can that be if I was approved and just pending my documents to be reviewed. She said she has no explanation and I would receive an email in 30 days with their decision. I said they falsely informed me I was approved for this loan and caused a hard inquiry on my credit reports which is now going to affect my scores which I have been working to hard to fix. She asked me more personal questions about my credit report and collection accounts which were no business of hers. I literally told her I was APPROVED for this loan and was happy because it was going to help with my credit reporting with my timely payments. I dont know how I can go from approved to denied in one sitting. She then gave me a number to call for their customer service credit bureau reporting line of XXXX and when I called it went straight to a voicemail. I called it again after a little while and again went to a voicemail. The company does not seem to care about the customers or potential customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently noted that there are fraudulent accounts on my credit report and sent a complaint to company to delete the accounts in question. Some were not deleted as requested but closed. I wanted all the accounts in question be deleted not just closed. A couple were not deleted but updated, even though I created a identity theft report and sent it to company so that the accounts can be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I recently noted that there are fraudulent accounts on my credit report and sent a complaint to company to delete the accounts in question. Some were not deleted as requested but closed. I wanted all the accounts in question be deleted not just closed. A couple were not deleted but updated, even though I created a identity theft report and sent it to company so that the accounts can be deleted.

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 2025-05-20 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: WA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-20 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: NJ

Complaint narrative:
After pulling my credit report, I noticed some serious mistakes with my personal information, things like wrong names, addresses Ive never lived at, and missing employment details. My legal name is XXXX XXXX XXXX, but I found incorrect name variations listed, including XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXXnone of which are accurate. Ive also lived at XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX for the past 33 years, yet there are completely unrelated addresses showing up on my file like XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Ive never lived at any of those locations. I am a victim of identity theft, and I believe these inaccuracies may be linked to someone who attempted to use my information to open an account without my permission. Also, my employment information is missing. I currently work at XXXX XXXXXXXX XXXX  XXXX, and that should be reflected accurately on my report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. Reporting incorrect names, addresses, and leaving off my employment history violates that obligation and affects my credit profile. Im requesting that these inaccuracies be deleted and my current employer information be added right away.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to dispute inaccurate information listed on my Experian credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), which grants me the right to request verification and correction or deletion of any erroneous credit information.

The following item ( s ) on my credit report are inaccurate or incomplete and should be investigated :

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 2025-05-20 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: NV

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 non-monetary relief
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
There are several inquiries on my report that I am unfamiliar with. I have reported this several times to the creditor and the credit reporting agency.

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 2025-05-20 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: AL

Complaint narrative:
There are several inquiries on my report that I am unfamiliar with. I have reported this several times to the creditor and the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Im writing to dispute the reporting of an account from XXXX XXXX XXXX ( Account # : XXXX * * * * ) that currently appears on my credit report. This account should not be reporting. 

In response to CFPB complaint # XXXX, XXXX & XXXX XXXX XXXX in their official response ( attached ) that : XXXX & XXXX has not reported this account to any credit bureaus, but we reserve the right to do so in accordance with applicable laws and regulations. 

Given that statement, Im confused as to how this account is now appearing on my credit report. If they have confirmed in writing that they are not reporting the account, it should not be showing up under any circumstances. 

In fact, Equifax has already deleted this account, and XXXX XXXX XXXX has confirmed that the account is closed and theyve ceased collection activity. 

Additionally, I contacted the original creditor, XXXX XXXX, who confirmed that XXXX XXXX XXXX not XXXX XXXX XXXX is listed as the purchaser of this debt. There is also a discrepancy in the balance, as XXXX XXXX records do not match the amount that XXXX XXXX XXXX has claimed. 

Given all of this, I am requesting that this account be immediately removed from my credit report. Ive attached the response from XXXX XXXX XXXX for reference. Please investigate this matter thoroughly and ensure that inaccurate and unauthorized information is no longer reported.

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 2025-05-20 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NV

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
mailed a certified debt validation request to Midland Credit Management on XX/XX/year> regarding a collection account they reported to the credit bureaus. The company received my request but never provided any validation of the debt. 
Despite failing to validate the debt, they continued to report and even updated the account on my credit report on XX/XX/year>, which violates the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXX XXXX XXXXXXXX ). 
Under the FDCPA and the Fair Credit Reporting Act ( FCRA ), a debt collector must stop all collection activity and credit reporting until they provide proper validation. This account remains unverified and inaccurately reported. 
I am requesting that the CFPB assist in having this collection account permanently deleted from my credit reports and to stop any further unlawful reporting or collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: LEXISNEXIS
State: FL

Complaint narrative:
You keep on saying that " During our investigation, LexisNexis verified that bankruptcy record case number XXXX is accurately associated with the consumers identity and reflects an accurate case status in the consumers consumer reports prepared by LexisNexis. '' I am here saying to you that the BANKRUPTCY is not mine. I need this deleted ASAP. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing this complaint against American Express for its ongoing failure to address a series of unauthorized ACH debits from my business checking account with XXXX XXXX XXXX. Since XXXX XXXX, there have been 12 or more ACH transactions totaling nearly $XXXX  debited from my account, with each payment made out to American Express.\n\nTransaction Summary:\nXXXX  - $XXXX\nXXXX  - $XXXX\nXXXX - XXXXnXXXXXXXX  - XXXX\nXXXX  - $XXXXnXXXX - $XXXX\nXXXX - $XXXXnXXXX XXXX $XXXX\nXXXX - $XXXX\nXXXX - $XXXX (able to be recovered by XXXX XXXX)\nXXXX  - $XXXX\nXXXX - $XXXX (able to be recovered by XXXX XXXX\n\nI am the account holder for both the XXXX XXXXXXXX XXXX  account and several American Express accounts (business and personal). However, despite extensive communication with American Express customer service, I have been informed that none of these ACH payments match any transactions in their system tied to my name or any of my accounts.\n\nBecause the transactions cannot be found internally by American Express, their representatives refuse to escalate the matter, allow me to speak to a supervisor, or involve the fraud department. I am continually told, there is no transaction to dispute. This response is deeply concerning because it indicates that American Express is receiving and depositing funds into an unknown or incorrect account without any accountability or process to investigate such errors.\n\nMy bank has verified that the payments were successfully routed to American Express. The burden, therefore, lies with American Express to trace and identify the destination of these funds. I have exhausted all available internal channels and submitted a complaint to the Better Business Bureau, but after more than a month, the issue remains unresolved. No action has been taken by American Express to investigate or reimburse the lost funds.\n\nThe financial and operational consequences of this negligence have been severe. I have had to pull money from personal savings to make payroll, incurred overdraft and wire transfer fees, and faced significant disruption to my business operations.\n\nAll documentation, including bank statements, transaction details, and communication logs with American Express, will be attached to this complaint.\n\nThank you for your time and for reviewing this complaint. I look forward to your support in resolving this matter.'

Company response to consumer: Closed with explanation