vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Accounts & Request for Investigation To Whom It May Concern, I am writing to dispute the following account ( s ) that are appearing on my TransUnion credit report. 
These accounts are not mine, and I am requesting that TransUnion block, delete, or correct them immediately. 
Accounts to Dispute : Creditor/Company Name : XXXX XXXX Account Number : XXXX Creditor/Company Name : XXXX Account Number : XXXX Creditor/Company Name : XXXX  Account Number : XXXX Creditor/Company Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Company XXXX XXXX XXXX Account Number : XXXX I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ) and that these accounts be removed from my credit file. I also request that you block any fraudulent information within 4 business days as permitted when a consumer asserts identity theft or unauthorized accounts. 
Enclosed are copies of documents supporting my dispute : Government-issued ID Proof of address Any fraud reports or supporting documents Please send me written confirmation once the investigation is complete and the accounts are removed or corrected. 
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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Accounts & Request for Investigation To Whom It May Concern, I am writing to dispute the following account ( s ) that are appearing on my TransUnion credit report. 
These accounts are not mine, and I am requesting that TransUnion block, delete, or correct them immediately. 
Accounts to Dispute : Creditor/Company Name : XXXX XXXX Account Number : XXXX Creditor/Company Name : XXXX Account Number : XXXX Creditor/Company Name : XXXX  Account Number : XXXX Creditor/Company Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Company XXXX XXXX XXXX Account Number : XXXX I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ) and that these accounts be removed from my credit file. I also request that you block any fraudulent information within 4 business days as permitted when a consumer asserts identity theft or unauthorized accounts. 
Enclosed are copies of documents supporting my dispute : Government-issued ID Proof of address Any fraud reports or supporting documents Please send me written confirmation once the investigation is complete and the accounts are removed or corrected. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
Incorrect Accounts Reported by Innovis To Whom It May Concern, I am submitting this statement because Innovis is reporting accounts on my credit file that do not belong to me. I did not open or authorize these accounts in any way. These accounts are inaccurately attached to my Innovis credit report. 

I am requesting that these incorrect accounts be investigated and removed from my Innovis credit file. 

I am attaching my IdentityTheft.gov report, which I have already filed, as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
Let me reiterate that this complaint is entirely legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. 
These errors are causing serious and ongoing negative impacts on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. 
Resolving this issue is not merely necessary it is critical.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a consumer working to improve my credit and am disputing the following accounts on my Experian credit report. The accounts listed below contain inaccuracies that need to be corrected or removed to ensure full compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXXXXXX ( Account No. XXXX ) opened on XX/XX/XXXX with a balance of {$2900.00}. This account is inaccurately reported and needs to be corrected or removed in accordance with FCRA regulations. 

XXXX XXXX  XXXX ( Account No. XXXX ) opened on XX/XX/XXXX with a balance of {$1600.00}. This account is incorrectly reported and should be removed or corrected to reflect accurate reporting. 

Please investigate these discrepancies and ensure that the information is in compliance with FCRA standards.

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Some hacked into my PayPal account and transferred over {$400.00} XXXX  it And now I have a negative balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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: CA

Complaint narrative:
I regularly monitor my credit report because my XXXX XXXX is extremely important to me, yet I keep seeing inaccurate and false information appearing over and over again. This has been a recurring problem that still hasnt been resolved, no matter how many times XXXX  raised the issue. It has become stressful, exhausting, and is unfairly damaging both my life and my 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 non-monetary relief
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX  business days.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
These inquiries do not align with my records and appear unauthorized. I respectfully request prompt review and resolution. Attached are documents for your evaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Dear CFPB XXXX, I am writing to file a formal complaint regarding the ongoing issue I have been experiencing with Barclays Bank. For over XXXX months now, my credit card has been unjustly restricted despite my repeated efforts to resolve the matter directly with the bank. 

I have submitted all required documents multiple times and have not received any clear explanation or warning as to why the restriction persists. The lack of resolution and the hardship this has caused me has been extremely frustrating. I am now seeking your assistance to ensure that this issue is addressed promptly and fairly. 

Thank you for your attention to this matter. I look forward to your assistance in reaching a satisfactory resolution. 

Sincerely, 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 2025-11-28 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX  XXXX - Acct XXXX XXXXXXXX - Account charged off - Balance {$710.00} XXXX XXXX XXXX - Acct XXXX XXXXXXXX - Account charged off - Balance {$0.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account charged off - Balance {$720.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX XXXX  - Account charged off - Balance {$4500.00} XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account charged off - Balance {$470.00} XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX XXXX  - Account charged off - Balance {$440.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account charged off - Balance {$1300.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX XXXX - Account charged off - Balance {$690.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account charged off - Balance {$950.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-28 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: FL

Complaint narrative:
I am submitting this dispute statement regarding the following accounts that are incorrectly reported on my credit report. Please investigate and correct the inaccuracies based on the following details : Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX  Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$840.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint against Discover Bank ( Discover Card ) to request supervisory assistance in obtaining a goodwill removal of a single XXXX late payment reported in XX/XX/XXXX. 

What happened : In XX/XX/XXXX, a statement balance of only {$12.00} from a subscription service went XXXX  days past due. 
I never received any of the following : XXXX statement in the mail Email alert Text message Phone call or voicemail The only notifications were a few in-app secure messages that I did not see. I have always used and checked the Discover mobile app, but these particular secure messages were not prominently displayed on log in, and I was unaware of the small balance owed from a subscription bill. As soon as I discovered the issue, I paid the {$12.00} ( plus the fees they assessed ) immediately and have made every payment on-time since. 

I have been a Discover cardmember in good standing since XX/XX/XXXX ( XXXX years ), with perfect payment history ( I have never missed a payment and have used the card consistently ). This single {$12.00} subscription service balance due has caused a drop of more than XXXX points on my XXXX XXXX, and continues to prevent me from qualifying for better interest rates on a mortgage/refinance which has affected my financial situation deeply. 

What I have already tried Submitted multiple goodwill requests through secure message/by phone and reached out on numerous occasions. 
Filed disputes with XXXX XXXX XXXX XXXX ( all verified as accurate by Discover ) Requested reconsideration from Discover customer service and a supervisor ( still denied ) Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
a purchase transaction was agreed to with an individual on social media, a XXXXXXXX XXXX to XXXXXXXX XXXX wire transfer was done. immediately after funds were received in the receivers reported account, both the receiver and the funds vanished. the transaction was reported to both banks, the local police dept as well as police dept in the city the account owner was reported to have been, the FBI, the federal fraud agency. there are several recorded phone conversations with the receiving bank, in one conversation the agent said the funds were still there and they have been frozen, after several other communications i was then told the money was gone and they could no longer speak to me about anything and could only speak to my bank, my bank was told there was nothing else that can be done unless the matter turned into a legal matter with attorney representation. later i discovered the " seller '' posted the same exact ad under another name with a different bank account, same exact wording and sales tactic. I reported this again to bank, nothing further could be done i only agreed to the XXXXXXXX XXXX XXXX XXXX XXXX  wire transfer because both being Federal institutions, I would be protected. it was not the case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
The reported information appears to mischaracterize my financial activity. I request a detailed review and appropriate modification.

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 2025-11-28 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS 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 XXXXXXXX -- {$760.00} -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 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 XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation