vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 XXXXXX/XX/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 2025-07-09 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year>2025 I disputed some items with XXXX  Credit Bureau because there were item on my credit profile that weren't mine. The item came back validated without showing signature proof of validation.

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 2025-07-09 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: Transfinancial Companies, Inc
State: TX

Complaint narrative:
XX/XX/year> I disputed some items with TransUnion Credit Bureau because there were item on my credit profile that weren't mine. The item came back validated without showing signature proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Dear CFPB team, I am submitting a new complaint regarding a serious unresolved issue involving a {$20000.00} balance transfer between XXXX and Barclays. 

In XX/XX/XXXX, I mistakenly selected a {$20000.00} balance transfer when opening a new XXXX XXXX credit card with Barclays. Although I attempted to cancel it, the transfer was already processed by XXXX and sent to Barclays. To resolve the issue, I made a full {$20000.00} repayment to Barclays on XXXX XXXX XXXX 

However, in XX/XX/XXXX, I discovered a reversal of the same {$20000.00} transfer on my XXXX credit card statement, indicating a duplicate charge caused by what appears to be a system error between the two institutions. 

I previously submitted a complaint to the CFPB ( XXXX XXXX. XXXX ), but Barclays closed the case under the claim that I had received the transfer funds in my external account. They also claimed not to have received any returned funds. Despite this, I have clear documentation that I repaid Barclays in full on XXXX XXXX XXXX 

This new complaint is being filed because : The issue remains unresolved. 

I am at risk of being held responsible for a duplicate {$20000.00} charge. 

Barclays has not acknowledged receipt of the repaid funds, and XXXX claims that Barclays initiated the reversal. 

I am attaching proof of payment and respectfully request that this matter be re-investigated, and that CFPB require both Barclays and XXXX to provide a joint resolution. 

This issue is causing significant financial stress and potential credit risk. Please intervene urgently to ensure fair resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: OH

Complaint narrative:
My chime credit builder card was charged on XX/XX/year> twice for XXXX amounts in the amount of {$220.00} and {$210.00} {$430.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
This account is currently showing a delinquent status, which is incorrect. I would like it to be disputed and updated to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it my concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : Address : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Employer : Self-Employer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 exercise my rights under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ), also known as Section 605B, to request the immediate blocking and removal of fraudulent accounts that have been added to my credit file. The following accounts are not mine, and I did not authorize or initiate any of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened using my personal information without my knowledge or consent. I am requesting that you block and permanently remove these accounts from my credit report, in accordance with FCRA 1681c2 ( b ).

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 2025-07-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX  - XXXX, XXXX  - XXXX, XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-09 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: NC

Complaint narrative:
I was alarmed to discover that my credit report has been accessed without my knowledge or consent. Applications were submitted in my name, and inquiries from companies I have never dealt with now appear on my report. I did not authorize these actions, nor have I applied for credit with these entities. This is a clear violation of my consumer rights and raises serious concerns about possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to the atm the night before my dogs XXXXXXXX because they wouldnt take cash and needed payment before they started the XXXX. I drove to the closest atm and it was closed so i went to the next closest atm. First transaction was fine. The second transaction took my money .. my husband gave me XXXX in cash and I had extra money in the pile as well. At minimum it was XXXX dollars but told the customer service rep between XXXX and XXXX. I called number provided on the receipt which I assume was their after hours number because it was almost XXXX. The report was documented. I told them I also left a message at the bank for the manager. Never recieved a call back from the branch manager and was basically ignored. Got a credit of XXXX and then recieved a letter saying they found my claim to be inaccurate. They keep blowing up my phone for the money because my account is in the negative. I told the chase representative they stole a lot of money from me and I cant just give them more money I explained I need to pay off my dogs XXXX  to people I actually owed money to not a company who is lying about a deposit I made they wont take the blame for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I did a PayPal pay monthly for a set of hard drives and I only received one from the seller and they promised me a full refund and then only issued a partial refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
There are multiple inquiries on my credit report tied to applications I did not initiate or authorize. I do not recognize these companies, nor did I give them permission to access my credit information. These unauthorized inquiries have harmed my credit score and caused considerable stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

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 explanation
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX I noticed XXXX accounts on my Equifax account showed up and it was XXXX cards that I never opened they are reporting to my Equifax credit report : XXXX XXXX  opened XX/XX/year> in the amount of {$550.00} and XXXX XXXX XXXX  opened XX/XX/year> the amount of {$700.00} reflecting negative on my credit report and I have never opened theses XXXX accounts PLEASE TAKE THE TIME TO FIX THE PROBLEM YES I HAVE POLICE REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchony Bank still has not responded to previous complaint about status of account. I looked at my Transunion account and it shows incorrect status. It should say in the remarks " settled in full '' see attached letter. It is saying " Payment after charge off/collection settled-less than full balance. That is not the documented status. It needs to be what the agreement was and the letter states. It needs to be corrected. I have noticed that the double account information was removed that showed date opened XX/XX/year>. This is extremely time consuming and affecting me from finding a place to live. It's absurd due to an open dispute about this account on Transunion, I am unable to submit this document. I am not paying for postal service when I should be able upload pertinent documentation.

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 2025-07-09 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX DE XXXX INQUIRIES : XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I am a victim of identity theft. My personal information was used without my authorization to open several fraudulent accounts, which are now appearing on my credit report. I have never applied for or used these accounts, and they were opened without my knowledge or consent.

I submitted an official FTC Identity Theft Report, along with proof of my identity and supporting documentation, to the three major credit bureaus. I requested the immediate removal of these fraudulent accounts in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2, which requires the deletion of any account resulting from identity theft and prohibits consumer reporting agencies from including such accounts once a valid identity theft report has been submitted. 

Despite following the legal process, the following fraudulent accounts remain on my credit reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were not opened or used by me, and I am not legally responsible for them. I have no knowledge of or connection to the creditors or collection agencies listed. Each account is a direct result of identity theft, and their continued presence on my credit report is a violation of 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I was in an inpatient treatment facility from XXXX, during this time I was victim of fraudulent activity on my PayPal debit card of multiple transactions. On XX/XX/year> after I was discharged I notified PayPal and filed a dispute. PayPal denied my dispute. I then appealed the cases with evidence, of which I provided appropriate discharge paperwork from XXXX XXXX showing admission and discharge dates of my inpatient treatment. The total amount of transactions was {$1200.00}. PayPal denied my appeal and this is my response to them. In addition, the total amount of transactions appealed was 29, 21 of those cases PayPal states were authorized and thus denied my claim of fraudulent activity. Interestingly and illogical enough, PayPal found that 8 of those transactions were indeed unauthorized and approved my claim. The total of 29 transactions occurred during the same time frame, leading one to question the logic in deciphering between the 21 denied cases and 8 approved. I have requested the documentation used in concluding their decision to deny my claims from PayPal a total of three times. Once via in-app message to customer service, once to their designated appeal email address, and once by United States Postal Service XXXX

Company response to consumer: Closed with explanation