vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because the nationwide credit reporting agencies ( CRAs ) ExperiaN are reporting inaccurate, outdated, and unverifiable personal information on my credit profile. I have previously disputed these inaccuracies directly with the CRAs, but they have failed to properly investigate and correct them as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) and 1681e ( b ), CRAs are obligated to maintain complete and accurate consumer information and promptly correct or delete any inaccuracies. Additionally, CRAs must process disputes in accordance with OCR ( Online Consumer Reporting ) standards and e-OSCAR dispute handling protocols, which require thorough verification of all personal identifying information. 

Disputed Items : Incorrect or outdated names, addresses, phone numbers, and employer information currently appearing on my credit report. 

Correct Information : Full Name : XXXX XXXX Current Address : XXXX TRADE, XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SSN Last XXXX : XXXX Employer ( if applicable ) XXXX XXXX XXXX XXXX I am demanding that all inaccurate and outdated personal identifying information be immediately corrected or permanently deleted from my credit file. The failure to address this issue is causing me financial harm and is a direct violation of my rights under federal law. 

I request that the CFPB compel the CRAs to investigate and correct this matter immediately and ensure full compliance with FCRA, OCR standards, and e-OSCAR processing requirements.

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WY

Complaint narrative:
Someone stole my barclays credit card number and bought three flights on XXXX XXXX. I noticed when I received an email about the flight. The confirmation code on XXXX  was XXXX. The traveler name listed was XXXX XXXX. I called barclays to dispute and stop the card. I called XXXX XXXX and canceled the flight. The charged amount was {$930.00}

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 2025-06-01 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Company refuses to return calls or answer phone. website doesn't work for submitting payments ... XXXX of XXXX reviews show others having same issues. Meanwhile credit is negatively affected and We have the concern of if they will sue us.

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 2025-06-01 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
To : Navy Federal Credit Union XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request for Loan Discharge Due to Hardship To Whom It May Concern, I am writing to formally request a discharge of my personal loan account with Navy Federal Credit Union due to extreme and ongoing financial hardship. 

I was recently involved in a major car accident that has drastically impacted my physical health, ability to work, and overall financial stability. As a result, I am no longer in a position to maintain the repayment terms of this loan. This hardship is not temporary, and I have made previous attempts to seek assistance, but have not received support that adequately addresses my current situation. 

Given the severity of my circumstances, I am respectfully requesting that Navy Federal Credit Union discharge the remaining balance of my personal loan or provide information on any applicable hardship discharge or forgiveness options. 

I am willing to provide documentation, such as medical records, proof of loss of income, or accident reports, to support this request. 

Please consider my situation with compassion and understanding. I am doing my best to recover and stabilize, and a discharge of this loan would significantly ease the burden I am facing. 

I appreciate your time and attention, and I kindly request a written response outlining any next steps. 

Sincerely, [ Signature ] XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: RI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, Collector : XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Zip XXXX ( account number ) XXXX HAS VIOLATED MY RIGHTS. H 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
I use to live in a house with other people. They were not roommates as I did not know them. I only rented a room out of the house. The other people also rented rooms out of house. And there was a high turn over on most of the rooms. In XXXX of 2020 I was not home most of the month. One of the other room renters broke into my room and gained access to my personal information and opened a crefit card in my name. I also opened a new credit card in 2020 with a different company. When I got the credit card bill I assumed it was for my card that I opened as I only had the one card and the name on card wasn't the same as the name for website ( which is a lot of off brand crefit cards ) so i made a payment on card. It wasn't until later I realized that I paid on a card that someone else opened in my name fraudulently. I have spoken with spring oaks ( indigo crefit card ) and explained the situation. I filed a police report and submitted a copy to them. But they are still demanding me pay for a crefit card that I did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I disputed this charge because I believe the service I received was misrepresented and of unacceptable quality. On XX/XX/year>, I was charged {$270.00} by XXXX for a paint protection film installation. I submitted a dispute to Wells Fargo on XX/XX/year>, explaining that the installation was grossly substandard and did not align with the promised quality or industry standards. Specifically : The edges of the film were lifting, showing improper installation. 
Air bubbles and visible dirt were trapped under the film. 
The film was cut into smaller sections instead of applied as a continuous piece, leaving areas unprotected. 
The film had scratches immediately upon installation. 
Most seriously, the installation caused scratches on my cars sensors, and one of the rubber rings around the sensors was damaged and partially missing. 
I have photographic evidence documenting all of these issues. Additionally, I had to incur further out-of-pocket expenses to have the defective film removed and replaced at another shop. 
Despite submitting this detailed dispute, I received no communication or follow-up from Wells Fargo during the investigation. Then, on XX/XX/year> more than four months later the {$270.00} was withdrawn from my account without prior notice or any explanation. I was never informed of the decision or given the opportunity to respond. 
I am requesting that Wells Fargo : Provide a formal written explanation for the denial, including what evidence and rationale were used. 
Review whether their dispute investigation process was handled properly, considering the excessive delay and lack of communication. 
If not, I request the disputed {$270.00} be reinstated. 
I also ask that Wells Fargo take responsibility for the lack of transparency and the financial inconvenience caused by this situation.

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 2025-06-01 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: GA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Radius Global Solutions LLC XXXX XXXX XXXX XXXX, MN XXXX Reference # : XXXX Subject : Dispute of Debt Dear Radius Global Solutions LLC XXXX XXXX am writing to formally dispute the debt referenced above, which you claim I owe to Travelers Insurance-Personal XXXX XXXX I received your verification of debt letter dated XX/XX/year>, stating that I owe {$80.00} as of XX/XX/year>, with no additional interest, fees, or payments applied. I am disputing this debt because I believe the information provided is incorrect. Specifically : I do not believe this debt belongs to me. I have no recollection of an account with Travelers Insurance-Personal Lines under account number XXXX, nor do I recall incurring this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. I am exercising my right to dispute this debt within the 15-day window you provided ( by XX/XX/year> ). I request that you provide the following information to verify the debt : 1. Proof that I am the debtor, including any signed agreements or contracts with Travelers Insurance-Personal Lines that demonstrate my obligation to this debt.

2. A detailed account statement showing the history of this debt, including the original amount, any payments made, and how the current balance of {$80.00} was calculated. 
XXXX. The name and address of the original creditor, if different from the current creditor, along with documentation showing the transfer of this debt to Radius Global Solutions LLC. 
Additionally, I request that you cease all collection activities on this debt until you have provided the requested validation, as required by federal law. Please send the validation documents to my address listed above or electronically via the dispute portal you provided at https : //dispute.radiusgs.com. 
If you are unable to validate this debt, I expect you to cease all collection efforts and remove any related negative reports from my credit file. I also request written confirmation that this matter has been resolved. 
You may contact me at the address above or via email ( if applicable ) for any correspondence related to this dispute. Please refrain from contacting me by phone, as I prefer written communication to maintain a clear record. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-01 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:
A fraudulent collection from XXXX XXXX XXXX opened on XX/XX/XXXX for {$930.00}, a fraudulent collection account from XXXX XXXX XXXX opened XX/XX/XXXX for {$4100.00}, a fraudulent account from XXXX XXXX opened XX/XX/XXXX, a fraudulent XXXX XXXX XXXX XXXX account opened in XXXX for XXXX, a XXXX  XXXX XXXX  for {$3200.00}, A XXXX XXXX XXXX loan for XXXX, a XXXX XXXX for {$3500.00}, A XXXX XXXX credit card for {$8900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-01 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:
Some of my credit information is incorrect also my account was hacked

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 2025-06-01 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:
Some of my credit information is incorrect also my account was hacked

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 2025-06-01 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: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-01 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: NY

Complaint narrative:
XXXX XXXX UNVERIFIED 30-DAY LATE PAYMENT Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} Reported Late : 30 Days in XX/XX/year> Past Due : {$0.00} Status : Open / Current Last Payment : {$370.00} on XX/XX/year> Violations : Equifax reports the account as Current but also lists a 30-day late in XX/XX/year>, which is logically and legally contradictory under 1681e ( b ).

There is no documented past due amount, no history of escalating delinquency, and timely payment in the same month as the alleged late mark.

This late payment violates Metro 2 Format rules, which require late status, past-due amount, and payment history to align.

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 2025-06-01 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:
I am a documented victim of identity theft stemming from the XXXX  Data Breach. I am also a United States military veteran. I submitted a full identity theft package to TransUnionincluding my official FTC Identity Theft Report ( # XXXX ), a copy of my ID, and proof of residence. 

Despite this, TransUnion has refused to remove several fraudulent inquiries and accounts from my credit report. These inquiries were made without my knowledge or consent, and I never authorized any of them. Furthermore, the same inquiries and accounts do NOT appear on XXXX  or XXXX, which confirms they are illegitimate. 

I have demanded the method of verification for these entries and inquiries. TransUnion has failed to provide proof, such as a signed application, timestamp, IP address, or any permissible purpose documentationyet continues to verify and report them anyway. 

This is a violation of my rights under : 15 U.S.C. 1681b No permissible purpose 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate 15 U.S.C. 1681c-2 Refusal to block identity theft data 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy FDCPA and FCRA protections for identity theft victims TransUnions failure to act has caused me emotional distress, blocked my ability to secure funding, and damaged my chances to buy a home. Their negligence is delaying recovery from a crime I did not commit, and their response has been dismissive despite being given all proper 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 non-monetary relief
Consumer complaint received 2025-06-01 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: IL

Complaint narrative:
This is my * * third formal attempt * * to address the inaccurate and misleading information that remains on my credit report since XXXX of XXXX.While I acknowledge that some items have been removed or updated, * * several accounts continue to be incorrectly reported * * either marked as accurate despite lacking proper verification, or returned with status changes that do not reflect the truth. 

These negative accounts and remarks are * * unfounded * *, and they are continuing to * * severely damage my credit score * * and overall financial standing. The ongoing presence of this false information constitutes a * * failure to meet the accuracy, completeness, and verifiability standards required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) * * and * * Metro 2 compliance guidelines * *.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my * * third formal attempt * * to address the inaccurate and misleading information that remains on my credit report since XXXX of XXXX.While I acknowledge that some items have been removed or updated, * * several accounts continue to be incorrectly reported * * either marked as accurate despite lacking proper verification, or returned with status changes that do not reflect the truth. 

These negative accounts and remarks are * * unfounded * *, and they are continuing to * * severely damage my credit score * * and overall financial standing. The ongoing presence of this false information constitutes a * * failure to meet the accuracy, completeness, and verifiability standards required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) * * and * * Metro 2 compliance guidelines * *.

Company response to consumer: Closed with explanation