vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: SC

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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I kept trying to get in touch with someone higher up than the people who worked at the place. After calling and asking to many questions they closed my account. And also sold my information to another company without my permmission which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 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 2025-05-21 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: Chime Financial Inc
State: MS

Complaint narrative:
I had several unauthorized charges to my debit card. Over {$200.00}. I filed disputes on those charges and it was denied due to they found no fault for disputes. If the charges were unauthorized ; that's enough for disputes. I called back to appeal the denials because again they were unauthorized charges I did not make and they did not reopen the case nor did they refund my money after I was told they would

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX XXXX XXXX - PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent 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 2025-05-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
I started a Self Inc credit builder account and realized after reading multiple reviews that this company is involved in theft practices. I paid off my loan and requested immediate payout to my attached bank account. During this time Self requested documentation to keep the account open which I provided but still would like the account closed and my payout sent to the attached bank Account. Self is refusing to release my funds contrary to the signed contract stating once completion of the loan that the monies would be paid out directly back to consumer. Self Inc is attempting to hold my funds against my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-21 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: Source Receivables Management LLC
State: FL

Complaint narrative:
I just discovered that my personal information has been compromised in a data breach. I'm shocked and concerned about the potential misuse of my data. Taking immediate steps to secure my accounts and monitor for suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
am writing to formally dispute several inaccuracies being reported on my credit file. This letter serves as a request for a full investigation and removal of any inaccurate, unverifiable, or outdated information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). I invoke the following provisions : 15 U.S.C. 1681e ( b ) Requiring consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) Mandating that information furnishers report accurate and complete information.

FERA 605B Providing consumer protections in cases of identity theft and fraudulent account reporting. 
The following companies are reporting information I believe to be inaccurate, incomplete, or otherwise unverifiable : 1. 2. XXXX XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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, XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I request that each of these accounts be thoroughly investigated. If the information associated with them can not be properly verified, it must be removed from my credit file, as required by 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 2025-05-21 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-21 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: FL

Complaint narrative:
I am filing this complaint regarding a collection account being reported by LVNV FUNDING for a credit card account that was previously issued by XXXX XXXX XXXX. I formally disputed the accuracy and completeness of this account, yet LVNV FUNDING failed to conduct a proper investigation, continued collection efforts while the dispute was still active, and provided no verification or documentation supporting their claim. 
This is a violation of my rights under 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed information and to consider all relevant evidence provided by the consumer. Despite this legal obligation, the account was verified as accurate without addressing the concerns I raised. In addition, LVNV FUNDING has misrepresented the legal ownership of this alleged debt. I have reason to believe this account was securitized by XXXX XXXX XXXX  and sold into a trust for investors. While the original creditor may now be acting as a servicer, it appears the debt was improperly and illegally transferred to LVNV FUNDING. I have not been provided with any documentation proving a lawful transfer of ownership. 
I am demanding to see the chain of assignment and purchase agreement to verify who actually owns the debt. If LVNV FUNDING does not legally own the debt, their collection activities and reporting of this account violate XXXX U.S.C. 1692e, which prohibits false or misleading representations in connection with debt collection. The details of my dispute and document request are outlined in the letter attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Incident Report : XXXX XXXX XX/XX/XXXX to XX/XX/2025 Between XX/XX/XXXX and XX/XX/2025, I was in XXXX XXXX, Nevada, for personal travel. During this period, I was XXXX multiple times by individuals I encountered. Based on my symptomssuch as confusion, memory loss, blackouts, and lack of motor controlI believe I was given substances like XXXX, which are known to cause severe memory impairment and make individuals highly vulnerable to exploitation. 

While under the influence and incapacitated, unauthorized access was made to my financial accounts. Funds were stolen via XXXX, XXXX XXXX, and XXXX without my knowledge or consent. I later discovered that someone had also contacted financial institutions pretending to be me and requested new card informationan action I have no memory of due to the effects of the XXXX 

I did not authorize any of these transactions or changes to my accounts. I am requesting this matter be treated as a case of XXXXfacilitated financial theft. I am willing to fully cooperate with law enforcement and all relevant financial institutions to investigate the situation and recover the stolen funds.

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 2025-05-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Removal of Derogatory Credit Entry Account Ending in XXXX Dear XXXX XXXX XXXX, I am writing to formally request the removal of a derogatory remark associated with account number ending in XXXX, originally held with XXXX XXXX XXXX. According to my credit reports, your company continues to report this account as derogatory, despite the fact that it has been sold to XXXX XXXX XXXX XXXX XXXX and is no longer under your ownership. 

Under the Fair Credit Reporting Act ( FCRA ), all credit information must be accurate and current. Continuing to report a negative status on an account you no longer own may be considered misleading or inaccurate. 

I respectfully request the following : Immediate removal of any derogatory tradeline related to this account from XXXX Equifax, and XXXX ; Cessation of any further reporting or updates, as the account is no longer part of your active portfolio. 

Please confirm in writing that this request has been received and addressed. If unresolved within XXXX  days, I will file a dispute with the credit bureaus and may consider further legal remedies under federal and Illinois consumer protection laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Removal of Derogatory Credit Entry Account Ending in XXXX Dear XXXX XXXX XXXX, I am writing to formally request the removal of a derogatory remark associated with account number ending in XXXX, originally held with XXXX XXXX XXXX. According to my credit reports, your company continues to report this account as derogatory, despite the fact that it has been sold to XXXX XXXX XXXX XXXX XXXX and is no longer under your ownership. 

Under the Fair Credit Reporting Act ( FCRA ), all credit information must be accurate and current. Continuing to report a negative status on an account you no longer own may be considered misleading or inaccurate. 

I respectfully request the following : Immediate removal of any derogatory tradeline related to this account from Experian, XXXX, and XXXX ; Cessation of any further reporting or updates, as the account is no longer part of your active portfolio. 

Please confirm in writing that this request has been received and addressed. If unresolved within XXXX days, I will file a dispute with the credit bureaus and may consider further legal remedies under federal and Illinois consumer protection laws. 

Thank you for your prompt 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 2025-05-21 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: NM

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and dispute regarding multiple unauthorized hard inquiries that have been reported on my credit file without my knowledge or consent. These inquiries have negatively impacted my credit score and do not reflect any credit applications that I have knowingly initiated. 

Specifically, the following inquiries were found on my credit report : XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  - Date of Inquiry : XX/XX/XXXX I did not apply for any credit, loans, or services from the above-listed entities. These inquiries were not authorized by me in writing, verbally, or digitally. As such, they constitute inaccurate and potentially fraudulent entries on my credit file. 

I have contacted the credit reporting agencies to begin the dispute process, but I am also seeking your assistance to ensure that these inquiries are fully investigated and permanently removed from my Experian, Equifax and Trans Union credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request the following : A full investigation into how and why these hard inquiries appeared on my credit report. 
Immediate removal of the unauthorized inquiries listed above. 
Confirmation of the outcome of this complaint and the corrective action taken. 

Please find attached a copy of my government-issued ID, a recent utility bill for address verification, and a copy of my credit report highlighting the disputed inquiries. 

Thank you for your prompt attention to this matter. I appreciate your assistance in helping me protect my credit profile from further unauthorized actions. 


Ps, I also noted that on my credit report there is a name that does not belong to me. I was not able to take it up with the credit agencies, but Im hoping you can adjust this issue as well. 

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 2025-05-21 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: NJ

Complaint narrative:
Upon reviewing my recent credit report from Experian, I identified a bankruptcy record and associated accounts that have been inaccurately included. This information is outdated, unverifiable, and incorrectly reported, resulting in significant damage to my credit profile and financial reputation. 

I formally disputed this bankruptcy record with Experian and requested that they provide proper verification directly from the original source, as required by the Fair Credit Reporting Act ( FCRA ). Despite my initial dispute, Experian failed to provide adequate verification documentation from the relevant court or original source, as required by law. Additionally, the credit bureau did not conduct a manual review of the record and instead relied on automated systems like XXXX, which do not meet the reasonable investigation standards mandated by the FCRA. 

This ongoing issue infringes on several crucial consumer protection laws : - Privacy Rights [ 15 U.S.C. 1681a ( 4 ) ] : The bankruptcy record was included without my explicit consent, infringing on my privacy rights under the FCRA. 

- Permissible Purposes [ 15 U.S.C. 1681b ( 2 ) ] : This information doesn't meet the permissible purposes requirements for inclusion in my credit report.

- Right to Verification Proof [ 15 U.S.C. 609 ( a ) ( 2 ) ] : I'm entitled to receive proof of verification, but the documentation provided was insufficient to confirm the accuracy and legitimacy of the record.

- Procedures for Removing Inaccurate Information [ Public Law 91-506, Title VI, Section 611, Subsections A-D ] : The credit bureau failed to meet the legally required procedures to remove inaccurate or incomplete information from my report. 

The presence of this unverified bankruptcy record on my report has led to unfairly restricted access to credit, directly impacting my financial stability and causing me tangible harm.

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