vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: IN

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
TransUnion closed my previous dispute claiming that it did not come directly from me or someone I authorized. This is completely incorrect. I personally submitted the dispute myself through the CFPB portal, and I have not authorized any third party or credit repair organization to act on my behalf.

I am the original consumer and the rightful subject of the credit file in question. I am now requesting that TransUnion properly reinvestigate the following inaccurate information that remains on my credit report : Incorrect Addresses : XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong address XXXXXXXX XXXX XXXX XXXX  FL XXXX Wrong address Inaccurate Accounts : XXXX XXXX XXXX XXXX  High Balance : {$3700.00} | Date Opened : XX/XX/XXXX Reported as Charge Off, which is inaccurate. I have no knowledge of this account and have never authorized or opened it. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$2700.00} | Date Opened : XX/XX/XXXX Reported as Charge Off, which is also inaccurate and does not belong to me. 

Unauthorized/Unverified Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and should be deleted immediately. 

I am asking the CFPB to ensure that TransUnion conducts a proper reinvestigation of the disputed items listed above and provides written verification of all findings. Any information that can not be fully verified as accurate must be corrected or removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The investigation did not fix an error on my credit report

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 2025-11-13 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: FL

Complaint narrative:
The investigation did not fix an error on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
A purchase was made via XXXX and the credit card associated with my account using Barclays XXXX XXXX  on Sunday morning XX/XX/2025. 
I contacted XXXX, as well as Barclays, as I did not recognize the amount of {$3500.00} being charged to my credit card. I originally thought it was a scam until the charge was shown on my credit card. 

The item which was purchased from XXXX, was a 'domain ' name ( XXXX ). After considerable time with XXXX on the phone within days, I found that the purchase was made by my XXXX XXXX XXXX grandson, using my XXXX with my saved login and payment credentials. 

I have contacted XXXX, Barclays as well as XXXX. They will not reverse the charge of {$3500.00} as they said it was a 'domain ' name which was being sold by XXXX and that XXXX was the 'middle man ' selling the domain for someone else. Ironically, I received an email several days later which XXXX offered to buy the domain for {$1600.00} I have filed complaints with XXXX, XXXX as well as Barclays. They all have denied my request to reverse the charges even though it was an unauthorized purchase made by a XXXX XXXX XXXX, who can't read and has no concept of money. 

HELP!

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
In late XX/XX/year>, I discovered a derogatory Affirm tradeline on my credit report that I did not recognize. The tradeline involved multiple Affirm point-of-sale loans ( XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX ). I had never received prior notice, documentation, or validation showing these accounts belonged to me. 

On XX/XX/year>, I submitted a written dispute, a full validation request, an arbitration election pursuant to the governing Affirm loan agreement, and a written-only communication directive to Affirms collection vendor, XXXX XXXX. I also mailed the same notice by certified mail. 

On XX/XX/year>, XXXX XXXX replied in writing and confirmed that they were : no longer attempting to collect on this account on behalf of Affirm , Inc . 

XXXX then directed me to contact Affirm directly. 
This confirmed that collection activity stopped immediately after my dispute and arbitration election, meaning Affirm should not have continued furnishing negative information unless it validated the account. 

I then issued a litigation-hold notice, which XXXX acknowledged. 

Also on XX/XX/year>, I opened a dispute directly with Affirm through its Help Center ( XXXXXXXX XXXX XXXXXXXX ). 

On XX/XX/year>, Affirm responded but did not provide any validation. Affirm failed to produce : Any signed applications or agreements Any complete account histories Any documentation linking these loans to me Any proof I opened or authorized these accounts Any assignment or internal verification records Any acknowledgement of my arbitration election Any acknowledgement of my written-only directive After receiving my disputes ( to both Affirm and XXXX ), Affirm continued furnishing and updating the derogatory tradeline and marked the accounts delinquent in XXXX and XX/XX/year>. 

My credit-bureau dispute results show that Affirm verified the information as belonging to me and updated multiple fields despite never providing validation and despite its own vendor ceasing all collection activity after my dispute. 

Affirm has not produced a single document proving these accounts belong to me. 

I believe Affirm has : 1. Continued reporting unvalidated, disputed accounts 2. Failed to conduct a reasonable investigation under the FCRA 3. Failed to mark the tradeline as disputed 4. Ignored my arbitration election under the Affirm agreement 5. Allowed derogatory reporting to continue after its vendor stopped collection 6. Verified unverified or inaccurate information to the credit bureaus This has caused credit score damage, financial disruption, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NV

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 2025-11-13 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: SC

Complaint narrative:
The continued reporting of raises multiple violations : A. Late Payments : Violating 15 U.S.C. 1681a ( 2Xi ) and related provisions. 
B. Permissible Purpose Requirements : Violating 15 U.S.C. 1681b. 
C. Furnisher Responsibilities : Violating 15 U.S.C. 1681 ( s ) -2. 
D. Accuracy Standards : Violating 15 U.S.C. 1681e ( b ) and 1681i ( 5 ) ( a ). 
E. Verification Requirements : Violating 15 U.S.C. 1681i ( 7 ). 

I write as a documented South Carolina Pro Se victim of identity theft arising from the XXXX TransUnion and XXXX data breaches and my SSN was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education/Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education/Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education/Opened XXXX XXXX XXXX XXXX XXXX XXXX I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act. I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: IN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
This agency is infringing on my consumer rights by using misleading, false and tactics. Ive already tried to resolve these issues directly with them, but they continue to violate my rights. They must remove all late payments on my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive previously placed a complaint with Capital one due to Capital one reporting debt on my credit report. Credit one has removed themselves from a contract Capital one and I had agreed with. Capital one then sold my account to XXXX which I never agreed too. After speaking with a Capital one representative, the representative notifed me Capital one is no longer the debt collector. I then contacted XXXX and paid the debt agreed upon in full. Im filling this second complaint due to capital ones response. Capital one reports that im not an authorized person on this account. Attached is my Ca drivers license to confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 am a consumer seeking assistance in correcting inaccurate or unverifiable information being reported on my credit reports by the credit bureaus. The following disputes are separated by bureau for clarity. 

Disputed Accounts : XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off, Balance : {$390.00}. 

I dispute this account as inaccurate. I have not received proper validation of this debt, and the reported balance and status are inconsistent with my records. Please verify or remove. 

Inquiries : The following inquiries appear without my consent or completed application XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove any inquiries that can not be verified as authorized by me. 

Late Payment : XXXX XXXX Account # : 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 2025-11-13 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: MD

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-13 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: MD

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting several accounts and inquiries that I believe are inaccurate, incomplete, or unverifiable. I have contacted Equifax and the furnishers directly but have not received satisfactory validation or correction. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 either : Do not belong to me, Contain inaccurate balances or dates, Or were not properly verified under FCRA 611. 

Unauthorized or Questionable Inquiries : XXXX 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: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
So I have a Capital One credit card and they indicated that my account has been restricted and that they need documents such as bank statements by Social Security card, drivers license, proof of address verification, which I provided all that there was one bank statement that I have provided. Thats a prepaid bank and they indicated me from that prepaid bank that the county is closed and they can generate the statement, but it always shows the last numbers of the account. The full account number just does not show. I have been trying my hardest to work with Capital One finding all these documents and no one is helping me to have my account un restricted. They indicated that the account is gon na still be restricted because they need the bank statement showing the full account number which I can not provide if the maker of that bank does not provide that on their bank statement and Ive been calling with those bank account accounts that are prepaid but they said thats just how prepaid bank accounts were compared to big chain bank account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: FL

Complaint narrative:
Hi my XXXX is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX fl My ITiN number is XXXX My phone number is XXXX I've already made payments to this company ... My surprise is that I'm paying 223.9936 % annual interest. And there are 26 payments, which are debited twice a month. When I open my online account, I see that for the {$1700.00} I borrowed, I have to pay {$2500.00} in finance charges. Making a total of {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information appearing on my credit reports from the three major credit bureaus ( Equifax, XXXX XXXX XXXX ). The following items have been disputed for their inaccuracy, and I request that a thorough investigation be conducted into these matters in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts and inquiries that are in dispute, separated by each bureau : Equifax Dispute : Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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