vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I found out that I am a victim of identity theft. When I found out I about this I let the credit bureaus know and I filed a police report to detail the issue. I set up an online portal with Chexsystems and although I was able to receive my consumer disclosure report I am unable utilize their online disputing. When I called about this I was told this is because some of my information needs to be manually reviewed and then the person I was speaking with couldn't explain what that meant and the conversation made no progress towards resolution. There is an item being reported on my Chexsystems report under " reported information '' that is a result of identity theft. That item is : XXXX XXXX  ; Reported For : Overdrafts ; Original Charge-off {$460.00}. Additionally, the following inquires are showing on my report that were not authorized by me : XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I request that the reported information above as well as these fraudulent inquires be removed from my report. I am attaching a copy of my photo ID as well as a copy of the identity theft police report. My chexsystems consumer ID : 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 2025-04-07 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a XXXX XXXX XXXX account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XXXX/XXXX/XXXX under the account number XXXX, a XXXX XXXX  account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$450.00} that appears related to the aforementioned XXXX XXXX account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX 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 explanation
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
This is regarding Barclay USA credit card company.

There was series fruad transaction for the purchase I've never done with total amount of more than {$7000.00}. 
I called company and reported fruad back in XXXX, XXXX and I was told it will be resolved in a few week, but never happened. 
I called follow up calls for more than 5 times, and the latest call I made was XX/XX/XXXX, and was informed same thing that my issue will be resolved in XXXX business days. 
The ability handles fruad issue in this credit card company, Barclay USA is just horrible... never heard any company who is not capable of dealing with fruad issue like this one. 
My CASE # : XXXX Account manager I talked on XX/XX/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 2025-04-07 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: MN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-04-07 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: DISCOVER BANK
State: GA

Complaint narrative:
HUD : Joined HUD in ( XXXX ) to view properties @ ( $ XXXX ). Properties held by banks, not for sale. Canceled my subscription in XXXX XXXX. HUD continued to bill me, Discover paid the monthly fee even though I was not on HUD website after XXXXPaid XXXX bill thinking cancel notice was late getting to HUD office. Called HUD. they said I did not cancel to the California office as I was supposed to. ( XXXX ) learned HUD did not enroll me as a member in XXXX so I did not get member ID nor the " new member packet '' with the proper information on how to cancel, HUD refunded two payments to Discover, Discover said they did not know what the payments were for. Asked HUD to resend Discover info on the two payments. for goods not requested nor delivered. 

Paddle.net : Received Discover bill, Paddle billing me ( {$29.00} ) a month, called discover to find out who or what Paddle was, gave me number to call. Paddle said I bought software from them, they did not know what type I bought! They did know what operating system I had! They did not know what my " machine number '' was necessary for download. I told them I would not pay them Discover took my monthly payments and paid Paddle three payments for ( XXXX ). I have since stopped paying discover, I can not pay for things I did not purchase XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
In XX/XX/year>, Midland Credit Management ( MCM ) sent a debt collection notice bearing my name to an address I had never authorized for correspondencemy mothers residence. She recognized the sender from the envelope and, concerned that I was facing legal action, informed me of the letter. This misaddressed communication caused her considerable distress and fear. 

Only one of the three accounts listed in MCMs portal shows her address ; the others correctly display mine. Despite that, MCM chose to send a legal threat letter referencing multiple accounts to a third party without consent or verification. This constitutes unauthorized third-party disclosure under the Fair Debt Collection Practices Act ( FDCPA ), particularly egregious given their knowledge of the correct address for the majority of accounts.

Moreover, while MCMs portal now displays old account statements, I never received proper written debt validation in response to my certified cease-and-desist letter sent on XX/XX/year>. That letter clearly requested validation under federal law and a stop to all phone contact due to accessibility and documentation needs. The fact that MCM failed to use the correct address undermines any claim that they complied with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX, a charge of {$140.00} from XXXXXXXX XXXX was withdrawn from my DasherDirect ( XXXX ) payroll card, which is managed by Payfare and issued through DoorDashs financial platform. This charge was unauthorized and occurred after I submitted a written cancellation notice to the merchant on XXXX XXXX XXXX in line with their 30-day cancellation policy and my month-to-month agreement. Despite this, the merchant had already attempted to process this same payment on XX/XX/XXXX and XXXX, both of which failed. 

After the charge was posted, I immediately filed a dispute with PayfareXXXX XXXX XXXX XXXX XXXX, and submitted my signed written confirmation on XXXX XXXX XXXX, as requested. On XXXX XXXX XXXX, I received a generic denial letter stating that no error occurred, but it included no evidence, reasoning, or explanation of what documents were reviewed. I responded asking for documentation used in their determinationno documents or responses have been provided. 

To make matters worse, Payfare claimed they were not responsible for the XXXX card despite their name being on all dispute communications and their partnership with XXXX through the DasherDirect platform. This lack of accountability, refusal to share documentation, and continued enabling of unauthorized charges is deeply concerning. I followed all proper steps to cancel the gym membership and dispute the charge, but my rights as a consumer were ignored by both Payfare and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have had a delinquency/charge off on my experian credit report and on the experian website under the account dispute section, you are able to see when the account would be removed from your credit report. The date of the removal has came and went and the account still shows, but now the removal date has vanished from the page. The removal date was scheduled for XX/XX/scrub> 2025. Attached are screenshots of what was showing prior, stating that the account would be on record until XXXX 2025 as well as screenshots showing the account on record until is now missing from the report and the account is still showing, and has not been removed as previously stated it would be by this agency.

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 2025-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I was a victim of the XXXX scam through Bank of America in the fall of 2022. In total, I lost about {$8900.00} and Bank of America and XXXX have both refused to reimburse me any amount lost whatsoever and have blamed me for falling victim to this major scam. Additionally, they have not been helpful when I have attempted to seek documents etc. to help support my own case and personal knowledge. I have filed a police report as well ; however, the leads ended out of the county, so no legal action has been possible. I have since closed these accounts and am no longer banking with them. The money was transferred via XXXX from the savings account I previously had with BOA. I have requested a copy of my police report in order to provide more specific details of my case if requested. 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 2025-04-07 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-04-07 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: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
On XXXX I was browsing on XXXX to inquire about a new cell phone and plan. During this process I added a new phone to my cart but never checked out at which time google pulled my credit without authorization and without notification though it clearly stated in their terms and conditions it clearly stated a credit check would not be pulled until the time of checkout ( which never occurred ) After speaking to XXXX they stated they were not able to remove the inquiry and installment loan

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 2025-04-07 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 explanation
Consumer complaint received 2025-04-07 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:
I have been disputing with this agency and I detailed everything wrong with my report in my last dispute. Equifax did not send me any dispute results. This company failed to modify or delete the items. I demand that Equifax complies with the FCRA. Below I attached a new dispute of the accounts and I demand they send me the procedures of how they verified this information.

Company response to consumer: Closed with non-monetary relief