vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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 am writing to dispute a fraudulent and inaccurate account reported by XXXX XXXX on my Experian credit report. This account is being reported as an auto loan with a repossession, but this account never belonged to me and was confirmed by XXXX themselves as a mistake. 

This account appears only on my Experian report and is causing significant damage to my credit profile. 

The account details are : Creditor : XXXX  XXXX Account Number : XXXX Type : Auto Loan ( reported as repossession ) Status : Incorrect Never mine I have never opened or applied for any auto loan with XXXX XXXX and I have never had a repossession of any kind. When I previously contacted XXXX, they confirmed that this account was not mine, closed it, and even issued a refund due to their internal error. Despite this, Experian continues to report it as a repossession. 

I am a victim of identity theft and have completed a formal FTC Identity Theft Report ( Report # XXXX, signed XX/XX/year> ). I am including it as supporting 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 2025-12-03 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: TX

Complaint narrative:
I am disputing the following accounts reported by Equifax. These accounts are incorrectly reported, and I request that they be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$9600.00} XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} EQ ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I asked for the records of the account that was put under my name without permission. Email used was XXXX. I said I asked for them back in the beginning of XXXX  and I was told they would be emailed to me. I never got them so asking again and they kept trying to get me to pay the balance in order to log in to get the records which would make me apart of the fraud and dismissed me after I said that I filed an identity theft police report and have a case number. 

They refused to provide account records They demanded I pay a disputed balance They told me to log into an account I dispute ownership of They dismissed police report documentation They attempted to coerce payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have 2 complaints against Barclays. First they ran my credit report without my consent. In turn revoked my credit line in which I would not use anyway. My score is good regardless and they had no right to run my credit at random without my consent. I spoke to a rep in regards to this matter and he told me to file a complaint against Barclays. Secondly did not credit my payment at time of payment.

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 2025-12-03 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:
I am writing to dispute the accounts shown, as I did not authorize or open them. Please examine this matter carefully and delete them if verified as inaccurate. Attached are documents to help with your assessment.

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 2025-12-03 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : DEPT OF EDUCATION/XXXXXXXX XXXX XXXX XXXX  {$6600.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$600.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$1000.00} DEPT OF EDUCATION/XXXXXXXX XXXX XXXX XXXX {$2700.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$4000.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$6500.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX  {$5400.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX  {$1200.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$3400.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$4100.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX  {$5500.00} DPEDXXXX XXXX XXXX XXXX {$3100.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX  {$3100.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX$5400.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00}

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 2025-12-03 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: SC

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/year>XXXX  I received a denial letter from American Express credit card. The reason for the decision was bankruptcy. I have taken steps to remove this inaccurate information as it is not mine. I have contacted XXXX XXXX and the 3 agencies via the CFPB portal. It is unjust that my property could be used for the benefit of the companies but not for the enjoyment of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
I am disputing multiple items on my Equifax credit report, as I believe the information is inaccurate or incomplete. The details of the accounts in dispute are as follows : Inquiries Account Name : XXXX  Date : XX/XX/year> Late Payments Account Name : DPT EDXXXX Account Number : XXXX Date of Late Payment : [ XXXX XXXX ] Account Name : DPT EDXXXX Account Number : XXXX Date of Late Payment : [ Insert Date ] Account Name : DPT ED/XXXX Account Number : XXXX Date of Late Payment : [ Insert Date ] Account Name : DPT EDXXXX Account Number : XXXX Date of Late Payment : [ Insert Date ] Account Name : DPT EDXXXX Account Number : XXXX Date of Late Payment : [ Insert Date ] Account Name : DPT EDXXXX Account Number : XXXX Date of Late Payment : [ Insert Date ] Account Name : DPT ED/XXXX Account Number : XXXX Date of Late Payment : [ Insert Date ] Account Name : DPT EDXXXX Account Number : XXXX Date of Late Payment : [ Insert Date ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Multiple accounts on my credit report contain inaccurate information and are not being reported with the level of accuracy required by law. These errors are not minor. They are materially misrepresenting my financial history and causing real hardship. I did not authorize the reported activity, and I expect my file to reflect only fully verified, accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I am writing to dispute inaccurate information that is appearing on my credit file. This letter serves as a formal request for investigation under the Fair Credit Reporting Act ( FCRA ). 
Full Name : XXXX XXXX Email : XXXX Last 4 of SSN : XXXX XXXX : XX/XX/year>XXXX  Account in Dispute : XXXX : XXXX XXXX Account Number : XXXX Type : Charged-Off Account Credit Bureau ( s ) : Equifax, Experian, TransUnion The charge-off reported on this account is inaccurate, incomplete, and/or unverifiable. Specifically : I settled/paid this account, but it is still showing as a charge-off. The furnisher has failed to provide proof of ownership, verification, or accurate reporting Based on FCRA 602, 607, and 611, credit bureaus must ensure information is accurate, verifiable, and reported consistently. Because the information currently appearing is not accurate or can not be verified, I am requesting the bureaus conduct a reinvestigation and remove or correct this charge-off accordingly.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit report that have been reported by various creditors and collection agencies. These items are negatively impacting my creditworthiness, and I am requesting immediate investigation and correction. 

The disputed accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$5200.00} Issue : Reported as Late Payment I have never made a late payment on this account. This history is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$110.00} Issue : Reported as Late Payment I have never made a late payment on this account. This is false reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$190.00} Issue : Reported as Collection I have no knowledge of this account. I request deletion of this account from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$210.00} Issue : Reported as Collection I have no knowledge of this account. I request deletion. 

XXXX Inquiries Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Issue : Unauthorized inquiries These inquiries were not authorized by me and should be removed. 

XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry This inquiry was not authorized by me and should be removed. 

These inaccuracies are causing significant harm to my credit profile and financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate or unverifiable. I request that your office investigate these items and ensure that my credit report is corrected to reflect only accurate and verifiable information. 

Please confirm receipt of this complaint and provide me with updates on your investigation. I expect prompt resolution and the removal or correction of all inaccurate and unauthorized entries. 

Thank you for your attention to this urgent matter.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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