vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I bank a Old National bank where I have three bank accounts. On XX/XX/XXXX I noticed that several large sums of money had been withdrawn from my bank account ending in XXXX and had gone into a someone else 's account without my permission. The following were the unauthorized transactions XX/XX/XXXX, {$1500.00}, XXXX XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX, XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$870.00} XXXX XXXX XXXXXX/XX/XXXX, {$570.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$500.00} XXXX XXXXXXXX. I filed a claim to get this money back on XX/XX/XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana branch. XXXX XXXX thought the bank would honor the claim because I did no online banking on any of my accounts. The bank credited me {$1900.00} and denied the rest of the claim because they said the rest of the claim had happened outside of 60 days. However, {$4700.00} was taken from XX/XX/XXXX until XX/XX/XXXX when I reported the loss which was within 60 days. The amount that should have been refunded back to me should have been {$4700.00} and not {$1900.00}. I have copies of all the emails I sent regarding this matter. I was told later by a XXXX XXXX employee that the employees were told not to help me and this was happening to a lot of people.

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 2025-05-23 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:
In accordance with the Fair Credit Reporting act. The companies on the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Has violated my rights under ; Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a are consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The companies on the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Has violated my rights under ; Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a are consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-23 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: CA

Complaint narrative:
Recently I took a look a copy of my credit report and I noticed there were inaccuracies on my report. These accounts are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: DISCOVER BANK
State: NC

Complaint narrative:
I am filing this complaint because a Discover credit card account ( ending in XXXX ) appears on my credit report, but I have written documentation from Discover stating that the account was closed because they were unable to verify my personal information. In a notice dated XX/XX/year>, Discover wrote : We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor. This confirms that Discover could not verify the account as mine. Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item of information that can not be verified must be deleted from a consumers credit file. I disputed the account with XXXX XXXX and included this letter from Discover, but Transunion refused to delete it, stating that they must report what Discover provideseven though the data furnisher admitted they can not verify the account. This is a direct violation of federal law. I am requesting that the CFPB compel XXXX XXXX to delete this unverifiable account from my credit report and ensure that Discover updates their reporting accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: OH

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Experian 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

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 2025-05-23 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: PA

Complaint narrative:
This is a follow-up complaint to ensure that XXXX  and Experian thoroughly reinvestigate the late payment entry reported on my credit report for the XXXX XXXX account ( ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) with a reported date of XX/XX/year>. The account currently shows a past due amount of {$0.00}, yet the late payment notation remains, which is inaccurate and misleading. Given the age of this entry and the fact that the balance and past due amount are reported as XXXX, it raises serious questions about whether the late payment status is properly verified and whether the information is complete and accurate.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to conduct a reasonable reinvestigation of any disputed information. The bureaus must verify with the furnisher that the late payment is both accurate and complete. Moreover, 15 U.S.C. 1681e ( b ) requires the agencies to maintain maximum possible accuracy in all reported data. The persistence of a late payment status on an account with XXXX balance and no past due amount suggests either a failure in investigation or negligence in data handling. Additionally, this could be a byproduct of potential data breaches that compromise the integrity of consumer information, which further necessitates rigorous verification.

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 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NC

Complaint narrative:
I am filing this follow-up complaint to dispute an inaccurate and outdated address currently listed on my Experian credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX This address is incorrectly reported as a former residence as of XX/XX/year>, but I have no verified or documented history of residing at this address. I have submitted prior disputes to Experian requesting verification of this information, but no valid documentation has been provided to prove its accuracy or relevance to my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required by law to maintain accurate and verifiable personal information. The continued reporting of this incorrect address reflects a failure to comply with 15 U.S.C. 1681i, which mandates a thorough reinvestigation of disputed data. The presence of this incorrect personal information suggests potential exposure to a data breach or a systemic issue within Experians data handling process. If Experian can not produce original source documentation that justifies the inclusion of this address, then its continued presence constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: IL

Complaint narrative:
Recently checking my credit report I notice that I had multiple collection and closed accounts. All of these accounts I have no knowledge of. 
They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. 
These accounts are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SELF FINANCIAL XXXX XXXX XXXX SELF / XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SELF FINANCIAL / LEAD BA SELF FINANCIAL / LEAD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MO

Complaint narrative:
Unrecognizable hard inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Collections : XXXX XXXX XXXXXX/XX/XXXX. Closed accounts : XXXX XXXX XXXXXX/XX/XXXX {$690.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX {$120.00}, XXXX XXXX XXXXXX/XX/XXXX {$990.00}, XXXX XXXXXXXX. I have tried to contact all of these companies and have been dealt with rude employees that just want to collect debt and accounts that arent even mine. My identity was stolen. Also Im having a problem with XXXXXXXX XXXX, I was an authorized user on XXXX XXXX from my fathers account which we paid off {$17000.00} to close the account and I just get hit with an email a week ago saying that we owe {$10000.00} even though they had sent my dad a {$3900.00} check because we overpaid the balance but now theyre trying to claim that we owe {$10000.00} after they gave us money back so now were having problems with that too. I reported this all in the XXXX this is ridiculous. I can not believe that theyre trying to hit me with this. I can not believe all these are on my credit report. It is just blows my mind.

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 2025-05-23 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: MO

Complaint narrative:
Unrecognizable hard inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX Collections : XXXX XXXX XXXXXX/XX/XXXX. Closed accounts : XXXX XXXX  XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX {$120.00}, XXXX XXXX XXXXXX/XX/XXXX {$990.00}, XXXX XXXXXXXX. I have tried to contact all of these companies and have been dealt with rude employees that just want to collect debt and accounts that arent even mine. My identity was stolen. Also Im having a problem with XXXX XXXX I was an authorized user on XXXX XXXX from my fathers account which we paid off {$17000.00} to close the account and I just get hit with an email a week ago saying that we owe {$10000.00} even though they had sent my dad a {$3900.00} check because we overpaid the balance but now theyre trying to claim that we owe {$10000.00} after they gave us money back so now were having problems with that too. I reported this all in the XXXX this is ridiculous. I can not believe that theyre trying to hit me with this. I can not believe all these are on my credit report. It is just blows my mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Unrecognizable hard inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collections : XXXX XXXX XXXXXX/XX/XXXX. Closed accounts : XXXX XXXX XXXXXX/XX/XXXX {$690.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX {$120.00}, XXXX XXXX XXXXXX/XX/XXXX {$990.00}, XXXX XXXXXXXX. I have tried to contact all of these companies and have been dealt with rude employees that just want to collect debt and accounts that arent even mine. My identity was stolen. Also Im having a problem with XXXX XXXX I was an authorized user on XXXX XXXX from my fathers account which we paid off {$17000.00} to close the account and I just get hit with an email a week ago saying that we owe {$10000.00} even though they had sent my dad a {$3900.00} check because we overpaid the balance but now theyre trying to claim that we owe {$10000.00} after they gave us money back so now were having problems with that too. I reported this all in the XXXX this is ridiculous. I can not believe that theyre trying to hit me with this. I can not believe all these are on my credit report. It is just blows my mind.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : 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/year>

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