vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: FISERV FINXACT CORE
State: NY

Complaint narrative:
I had a company called XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXX  ) in XXXX A company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) took {$2800.00} from my business account over a five month period. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I was never able to get in touch with anyone from the company and my emails went unanswered. I tried to get my bank ( XXXX ) to stop any transactions from the company but they would not. I had to close the account to stop them. I asked the bank to open an investigation but have not heard anything from the bank. I filled a complaint with the Federal Trade Commission ( Report number : XXXX ). I never delt with this company nor were they legally allowed to access my account. 

I filed a previous complaint with this office which closed the complaint simply because the company responded. The company is lying. They claim their is a lease agreement and that they provided it but all they provided was a typed letter that claims their is a lease agreement. The company is lying. Their is no lease agreement between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I spoke with a representative from Experian XXXX who claim they're not govern under the same laws for personal credit as business credit. Which seems a bit odd regardless of what information they house. 
The Fair Credit Reporting Act ( FCRA ) is a federal law regulating the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies ( CRAs ). Experian is considered a nationwide company. 

The issue being I submitted a dispute on XX/XX/XXXX. An agent isn't assigned to take care of the investigation which is almost 30 days. A representative explained that its takes business XXXX weeks for their investigation process. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2025-05-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA.

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score.

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I am filing this complaint because Experian has reported three unauthorized hard inquiries on my credit file. These are from XXXXXXXX XXXX ( dated XX/XX/XXXX and XX/XX/XXXX ) and XXXX XXXX XXXX ( dated XX/XX/XXXX ). I did not apply for credit with these companies and want these inquiries removed. I previously contacted Experian but have not received a satisfactory resolution.

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 2025-05-13 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account XXXX : XXXX * * * * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. I found numerous accounts and inquiries on mycredit report that wasn ' t opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the XXXX  data breach and ill provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 

( ACCOUNTS- XXXX XXXX # XXXX - XX/XX/XXXX - {$1000.00} ; XXXX  XXXX # XXXX - XX/XX/XXXX - {$590.00} ; XXXX XXXX # XXXX - XX/XX/XXXX - {$2200.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$590.00} ; XXXX XXXX XXXX - # XXXX XXXX XX/XX/XXXX - {$1000.00} ; XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} )

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 2025-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Imperium Lending, LLC
State: FL

Complaint narrative:
Imperium landing is the company. I agreed to hear their pitch. They offered XXXX skipped mortgage payments as part of an XXXX XXXXXXXX refi. Not only that but their numbers have changed a lot and worse of all they will not stop contacting me. They want my wifes number to talk to her. They send me texts, emails and calls many times each day. They are trying to pressure us under the guise of urgency. My wife has a bad feeling about this company and I support her. They however, will not let it go and continue to contact us. 
All of this happened from XXXX XXXX XXXX 
The co founders number is XXXX. To give you an idea, I received XXXX emails in 3 days all on the same subject. I feel like Ive gained a disgruntled ex.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 request a reinvestigation of the account information currently being reported on my credit file in which I sent correspondence on. In accordance with the Fair Credit Reporting Act ( FCRA ), I dispute the accuracy and completeness of the information provided by XXXX XXXX and request that a full reinvestigation be conducted. 

It is my understanding that a proper reinvestigation under the FCRA requires more than merely verifying data electronically with the furnisher. A reasonable investigation should include a thorough review of the original documentation substantiating the accuracy of the information being reported. To date, I have not received any evidence that such a reinvestigation was ever completed. 

In addition, I previously submitted a debt validation request concerning this account pursuant to the Fair Debt Collection Practices Act ( FDCPA ). That request was not fulfilled the account was merely marked as verified without any actual validation documentation provided. This is a direct violation of my rights under federal law and further calls into question the integrity of the information being reported. 

Furthermore, under XXXX XXXX ( formerly XXXX XXXX XXXX regarding Transfers and Servicing Secured Borrowings, the account in question appears to be a secured borrowing and does not reflect an actual consumer credit obligation for which I am liable. The alleged lender has failed to provide the original application or agreement naming me as a liable party to the account. 

Based on these facts, I am requesting : XXXX reinvestigation of the disputed account in full compliance with the FCRA. 
Suspension of reporting the account until a thorough and documented investigation is completed. 
Full disclosure of the documentation used to verify the accuracy of the reported information. 
Written confirmation of the outcome of this reinvestigation. 
If this matter is not resolved within the timeframe allotted by the FCRA, I am prepared to pursue further legal remedies.

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 2025-05-13 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-13 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: NJ

Complaint narrative:
I checked my credit profile and came across quite a few inquiries that are not mine.

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 2025-05-13 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts o XXXX my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
My information was used to get several online loans but the bank the money was sent to was not mine the email used was not mine I never applied for the loan but because they said my social was correct I am responsible to pay it back I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion and Equifax are reporting different information for the account XXXX Lend 1.High Balance 2.Last Verified 3.Date of Last Activity 4.Date Reported 5.Date Opened 6.Closed date 7.Account Rating 8.Last Payment See attachment for the above highlighted items that are reported differently across TranUnion and Equifax

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 2025-05-13 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: CA

Complaint narrative:
My name is listed XXXX times with different variations of XXXX XXXX XXXX. There should only be XXXX name listed, XXXX XXXX XXXX. Not XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXXXXXX or anything else. Also addresses. Just XXXX address last 10 years XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Also erroneous info, theres been a data breach and i want all three bureaus to wipe my record clear of any potentially negative items. Under all the applicable laws.

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 2025-05-13 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-13 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$1400.00}

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 2025-05-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Sage LLC
State: TX

Complaint narrative:
On XX/XX/year>, I was contacted by Credit Sage after my husband gave them my contact information, under the false pretense they were a debt collector. I believed I was speaking to a debt collection agency to resolve a specific issue on my credit. Instead, I was unknowingly speaking to the credit repair company called Credit Sage. They did not clearly disclose that they were a third-party credit repair company and not the debt collector I intended to speak to. 

I have a XXXX and am on a fixed income, and my only objective was to clear the debt in question, not to sign up for credit repair services. The representative read a contract to me quickly, and I felt pressured and misled. I do not recall giving informed consent to begin full credit repair services. Furthermore, I was not adequately informed that I was entering into a service agreement with a third-party credit repair company. 

XXXX hours after agreeing to the service, I received statements from my bank that revealed the companys actual name was XXXX XXXX. Upon realizing this, I immediately attempted to assess the situation and take appropriate action. 

XXXX XXXX is refusing to issue a refund, claiming services were already rendered. This is particularly troubling as I was misled, and I do not believe I ever fully consented to the agreement. This situation has caused me significant emotional distress and is exacerbating my existing health challenges. 

I am requesting a full refund for services that I did not knowingly agree to and that were not aligned with my original objective. As I am on a fixed income, I am financially vulnerable, and this situation has placed undue strain on my resources. 

I kindly ask for your immediate review and intervention on this matter, as I am in need of a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I have repeatedly disputed the inaccurate balance listed on my XXXX XXXX XXXX Credit Card Acct ending in XXXX asserted that Equifax 's reported balance of {$41.00} is INACCURATE & INCORRECT. The actual balance is {$0.00} ( or less ). Please see attached snapshots from XXXX XXXX account as of XXXX XXXX XXXX 

When I tried to dispute the accuracy of the reporting of this account on XXXX XXXX online dispute portal, a red message appears stating that a dispute is not available. See attached excerpt from XXXX XXXX online dispute portal. 

There is inaccurate information on my Equifax credit report that Equifax refuses to let me dispute. Equifax is in direct violation of XXXX or more consent orders with CFPB that they agreed to recently and are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a {$520.00} medical debt to the credit bureaus. I checked directly with XXXX XXXX XXXX XXXX FL the real balance is only {$86.00}. This inflated amount is false and deceptive. I never agreed to or signed any contract authorizing this amount. The account is also in the name XXXX XXXX XXXX XXXX, which is a legal fiction and not my true identity as a living person. I sent a debt validation letter and received no itemized proof or lawful contract. 
Additionally, the original provider still shows this debt as active on their billing system for {$86.00}. This proves the debt has not been legally sold or assigned to XXXX XXXX, yet they are attempting to collect at an inflated amount. This is a deceptive and unlawful attempt to collect on a debt they do not own. 
This violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for misrepresentation and inaccurate credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation