vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report five 5 fraudulent accounts appearing on my consumer FICO Experian report credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX XXXX XXXX on XXXX under the XXXX. Another credit card account opened at XXXX on XXXX under the account number XXXX. A personal loan opened at XXXX XXXX opened on XXXX under the account number XXXX. And XXXXXXXX XXXX  loan accounts opened at XXXX XXXX on XXXX under the account number XXXX. I demand the aforementioned fraudulent items be removed for my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 non-monetary relief
Consumer complaint received 2025-06-29 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: ID

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: ID

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
In XX/XX/XXXX, I received an official email from MOHELA stating that my federal student loans were placed in forbearance during the Department of Education 's " on-ramp '' period following the pandemic payment pause. The email specifically stated : " We will not report you as delinquent to credit reporting companies '' and " Your account is no longer considered delinquent and will be made current. '' Despite this written assurance, my credit reports from XXXX, XXXX, and/or XXXX  are showing multiple missed/delinquent payments on my MOHELA student loan account for the months following the payment pause restart in late XXXX through XXXX. 

Timeline : - XX/XX/XXXX : Federal payment pause ended - XXXX : Missed some payments during transition period - XX/XX/XXXX : Received MOHELA email confirming accounts in forbearance and would not be reported delinquent - Current : Account is active and current with autopay enabled. Set up automatic payments and began making regular payments The negative marks on my credit report directly contradict MOHELA 's written communication and the federal on-ramp protections. My credit score has dropped to XXXX due to these erroneous delinquent marks. 

I am happy to pay these loans. From my communications, it said I could wait to pay them as they were in forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-29 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:
After reviewing my credit report, I found a fraudulent account impacting my credit. Please remove this account from my credit report as it is affecting 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 2025-06-29 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: NY

Complaint narrative:
I was billed XXXX on my credit card from a company called XXXX XXXX Out of Texas XXXX XX/XX/year>. I did not make this purchase cause my utility company is out of XXXX NY. The credit card company said the chip was was used and that's false cause when I use the chip I get a receipt. I keep my receipt and I don't have one from that company. Help would be appreciated Thank you!

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 2025-06-29 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn that Ive been a victim of identity theft. Please remove this fraudulent account from my credit report. It is hurting my ability to obtain credit to purchase a home for my family. Thank you.

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 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Between XX/XX/XXXXXXXX  and XX/XX/XXXX, I became a victim of identity theft. Several credit card accounts were fraudulently opened in my name without my knowledge or consent, including accounts with XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXXXXXX  ). I discovered these unauthorized accounts in XX/XX/XXXXXXXX  after reviewing my credit report, which listed unfamiliar debts and inquiries. 

These actions violate the Fair Credit Reporting Act ( FCRA ), which protects consumers from the inclusion of inaccurate or unauthorized information in their credit files, and the Truth in Lending Act ( TILA ), which governs unauthorized use of credit. 

I have already submitted an official FTC Identity Theft Report, confirming these accounts were opened fraudulently. I have not received sufficient assistance from the companies involved in removing these accounts or halting collections. 

Under FCRA 605B, I formally requested that these fraudulent accounts be blocked from my credit report. I also requested that any collections or negative marks associated with these accounts be removed. I have taken the following actions : Filed a report with the FTC on XX/XX/XXXXXXXX  ( FTC Report # XXXX ) Contacted credit bureaus to dispute fraudulent entries Requested the blocking of identity theft-related information under FCRA rights Despite these efforts, the accounts remain on my credit report, and I continue to receive notices related to debts I do not owe. 

I am seeking the immediate removal of these fraudulent accounts, a block of all related negative information, and confirmation that no future collections or reporting will occur for these items.

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 2025-06-29 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-06-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
so i bought XXXX  XXXX  and something with XXXX  and now i tried to buy something with XXXX  again and it declined my visa vanilla gift card with XXXX bucks. i then tried to add it to XXXX and XXXX also declined the card. so i tried buying XXXX dollars of XXXX  XXXX  and it worked. it has XXXX dollars and the thing i was trying to buy with XXXX  was only XXXX idk what is wrong with it and why it only worked with steam and worked with XXXX  XXXX time and stopped working.

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 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: IL

Complaint narrative:
When attempting to create and use a Cash App Card they sent me the wrong name on the card. They stated it was the correct name and that I inputted that name and it was legal and verified. This is false as under the cash app account under their own legal name section the name is spelled correct. They claimed they can not change the card since the account was sponsored and cant be changed until the person sponsored becomes XXXX. However the name seems to be correct in all locations and simply seems to be an error on their end. I had the person who was sponsored and the sponsor both reach out to the company and both said the card was already correct even when I submitted photographs to the company showing that under their own site the name was spelled correct. They made no effort for any solution and their last message said that they can not change the name in the card because there is no error. I tried to provide all the evidence I could but they did nothing to correct the incorrect name on their end card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am writing PayPal account ( XXXX ). I am attempting to close the account after suspecting fraud. I received a money transfer on XX/XX/XXXX  in the amount of {$97.00} from an XXXX XXXX XXXX. I do not know this person and never authorized the transfer to my account. I have never attempted to access the funds. The funds are presently in the account as a positive balance. I have attempted on several occasions to close the account. I get a message that it is not possible to close the account because there is a balance due? 
I want PayPal to refund XXXX XXXX, her money and close my account. 
I do not trust PayPal. This issue arose after I received another notification that my account had been improperly accessed and my user credentials changed to XXXX  XXXX with a phone number I do not recognize. 
I want this account closed and PayPal will not comply with my demand that it be closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is now my third CFPB complaint against American Express. I have made multiple formal requests for full verification and breakdown of this alleged debt. In each response, American Express has shown a blatant disregard for their legal obligations. Theyve continued to respond with the same boilerplate letter dated XX/XX/XXXX, which was already submitted in response to my previous complaint as if I would not notice. 

Theyve failed to provide any legitimate documentation, such as : A signed original agreement A full accounting of charges, payments, interest, and fees Any proof that they have legal standing to report this tradeline Instead, they continue to XXXX by sending me recycled responses, as if the CFPB process is a joke to them. This is not a valid investigation. This is intentional noncompliance, and it is clear they are abusing the system. 

I have also submitted an FTC report in relation to this matter due to the repeated failure to verify the debt. Ive been forced to dispute this account multiple times because Amex refuses to engage in a real investigation. They continue to update this account monthly, damaging my credit with no legitimate basis, despite being fully aware this matter is in dispute. 

At this point, I believe American Express is acting in bad faith, violating both the FCRA ( 15 U.S.C. 1681s-2 ) and CFPB regulations by failing to : Properly investigate my dispute Provide verification upon request Stop reporting information they cant validate This is a textbook case of willful and reckless disregard for federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TN

Complaint narrative:
I am filing a formal complaint against Experian for maintaining inaccurate and unverified information on my credit report, which is obstructing my ability to secure financing. Despite my repeated requests to Experian to correct or remove these inaccuracies, the issues remain unresolved, violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and Metro 2 reporting standards. Below are the details of the disputed account and my concerns : Disputed Account : XXXX XXXX XXXX XXXX ( Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) Issue : Listed with a late payment entry for XX/XX/XXXX, an Account Status of " Closed, '' an Account Type of " Installment, '' a Creditor Type of " Banking, '' a Date of Last Activity of XXXX, a Date Reported of XXXX, and a Balance Owed of {$0.00}. 
The late payment entry for XX/XX/XXXX is erroneous, likely due to a billing error, and should be corrected to " paid as agreed '' or " never late. '' The reported data, including Creditor Type ( " Banking '' ), Account Status ( " Closed '' ), Account Type ( " Installment '' ), and Date of Last Activity ( XXXX ), is inaccurate or inconsistent with Consumer Data Industry Association ( CDIA ) Metro 2 standards. 

Experian has not provided documented proof of compliance with federal and state regulations, including FCRA and Metro 2 guidelines, to verify the accuracy of this account.

The reported Balance Owed ( {$0.00} ) and Account Rating ( " As Agreed '' ) appear inconsistent, and no evidence has been provided to substantiate the accounts accuracy. 

Experians practice of sending form letters in response to disputes, as noted in my correspondence, violates 15 U.S.C. 1681i, which requires individualized investigation of consumer disputes.

Under the FCRA ( 15 U.S.C. 1681 ), Experian is required to ensure the accuracy and completeness of credit report information and to conduct thorough investigations of disputed items. Legal precedents, such as XXXX XXXX Experian Information Solutions ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), underscore the obligation of credit reporting agencies to verify disputed information accurately. Additionally, Metro 2 standards, as established by the CDIA, mandate precise and compliant reporting of all account details. Experians failure to provide verifiable documentation or correct these inaccuracies violates these regulations.

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 2025-06-29 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: OH

Complaint narrative:
Dispute and Request Verify Accounts, Violation of 15 USC 1681C-2 NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX I am writing to bring to your attention a serious matter regarding inaccurate reporting on my credit file, specifically pertaining to accounts listed above. This will be my 2nd attempt to resolve this matter. I have no knowledge of these creditors nor have I authorized any accounts with them. In my previous correspondence I requested verification and with these accounts not being verifiable my consumer laws are now being violated. Not only were these accounts opened due to identity theft, I have no knowledge of these accounts, or any affiliation with these creditors. Its inclusion on my credit report violates ( USC ) 1681, which governs the fair and accurate reporting of consumer information. I have no knowledge of this account or have given any written consent. Furnishing Identity theft accounts further violates the FCRA, specifically 15 USC 1681 C-2. These accounts being reported are severely impacting my ability to obtain new lines of credit. Your company has a legal obligation to ensure the accuracy of the information being reported. The only address that should be on my credit profile is listed above.

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 2025-06-29 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: OH

Complaint narrative:
Dispute and Request Verify Accounts, Violation of 15 USC 1681C-2 NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX I am writing to bring to your attention a serious matter regarding inaccurate reporting on my credit file, specifically pertaining to accounts listed above. This will be my 2nd attempt to resolve this matter. I have no knowledge of these creditors nor have I authorized any accounts with them. In my previous correspondence I requested verification and with these accounts not being verifiable my consumer laws are now being violated. Not only were these accounts opened due to identity theft, I have no knowledge of these accounts, or any affiliation with these creditors. Its inclusion on my credit report violates ( USC ) 1681, which governs the fair and accurate reporting of consumer information. I have no knowledge of this account or have given any written consent. Furnishing Identity theft accounts further violates the FCRA, specifically 15 USC 1681 C-2. These accounts being reported are severely impacting my ability to obtain new lines of credit. Your company has a legal obligation to ensure the accuracy of the information being reported. The only address that should be on my credit profile is listed above.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following previous addresses are wrong : Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief