vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL. XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Collection Account XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian Disputes Department, I am writing to formally dispute an account appearing on my Experian credit report that I believe is inaccurate and incomplete. 

The details of the account are as follows : * Creditor : * * XXXX XXXX XXXX * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$910.00} XXXX XXXX * Opened : XX/XX/year> * * * Reported : XX/XX/year> * * * Status : * Closed Collections * * Original Creditor : * Not Available * I do not recognize this account and have no record of ever opening or being notified about any such debt. Furthermore, the account is incomplete because it fails to list the name of the original creditor, which is a key requirement under the Fair Credit Reporting Act ( FCRA ). Without the original creditor information, I can not verify the accuracy or validity of this account. 

Because the FCRA requires that all information on a credit report must be accurate, complete, and verifiable, I am requesting that you immediately investigate this account. Please contact XXXX XXXX XXXX and the original creditor to validate this debt and provide me with the following : * The name and contact information of the original creditor * Documentation showing that the debt is mine and legally collectible * A full payment history, including dates and amounts If the debt can not be verified with proper documentation, as required by law, I respectfully request that you delete this account from my credit report entirely. 

Please complete your investigation within the 30 days required by law and notify me in writing of the results. 

Thank you for your time and prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
XX/XX/year> my credit card was denied, i called the bank and they said i requested the account closed, i said i did not and matter or fact just activated my replacement card XX/XX/XXXX. customer service proceeds to then say after multiple transfers that fraud department accidentally closed acct instead of the card. said id get call -week went by i did not yesterday spent XXXX XXXX  until XXXX XXXX  on phone with over 50 people when one said i filed bankruptcy thats why its closed and i can not access online, my autopay shut off and they cant take over phone payment, i never filed for bankruptcy and another person came on and said a new card would be issued, called again today because no one there has any idea what they are saying today 2 reps said account closed from bankruptcy, i have not filed and have never even been late on payment. now payment due tomorrow and i cant make it as they refuse to take it. they say they are escalating it however i have a closed acct showing bankruptcy and cant make payments which are going to show late and ruin my credit. How can a bank do this? I have hours of recording from them stating so many different things. they are jeopardizing my credit and if i am having this much of an issue now how am i going to get this removed from my credit report once they show i am late on payments. How is it possible to mistakenly mark someones account that one is not late, two has a credit score over XXXX and has only a {$900.00} balance and is telling them i have NOT filed bankruptcy and they can easily confirm by pulling up pacer to clarify. this has upset me so much and i can not fix it. barclay needs to fix this, stop sending us calls over to XXXX and get people who know what the XXXX they are doing. I should not have to wait one minute to get this fixed! I need help and they should have a penalty from doing this, my time is worth something and so is my mental health for being so upset.

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 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I am filing a complaint against Acima Credit due to deceptive lending practices and a lack of transparency in their leasing agreements. I have used Acima multiple times in the past and was under the clear impression, based on their advertised and verbal policies, that if I paid off my lease within the first 90 days, I could avoid interest charges. I fully understood that interest would apply after the 90-day period, but I was deceived into believing it would only begin accruing from day 91. However, I later discovered that interest actually begins accumulating from day one and is retroactively applied, meaning all the money I initially saved by paying early was never real savingsthey simply back-charge all the interest you would have paid from the start. This practice is not only misleading but designed to entrap customers with hidden costs. When I realized I could not afford the inflated balance and attempted to return the merchandise, I was given the runaround by customer service, who repeatedly told me they had no idea what store I could return the items to. They then suggested I donate to charity and still continue making payments on the loan, which is unethical and predatory. I was left in a position where I was expected to pay for something I could not return and was no longer using. This behavior is that of loan sharksdisguising themselves as a lease-to-own company while structuring contracts in a way that sets up consumers to fail, particularly lower-income individuals who are simply trying to furnish their homes. I am requesting that the CFPB investigate these practices and hold Acima accountable for their lack of transparency, misleading payment structures, and obstruction of the return process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-15 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:
b"Please remove all these items from my credit report:- \nADDRESSESXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXACCOUNTSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-07-15 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:
b"Please remove all these items from my credit report:- \nADDRESSESXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXACCOUNTSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-07-15 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-15 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX NC XXXX INQUIRIES : XXXX XXXX Date : XX/XX/2025 XXXX Date : XX/XX/2025

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis reported my employee was in an at-fault accident to my car insurance company on XX/XX/year>. The employee was in an incident but was declared not at fault by his own insurance company. I disputed the charges with LexisNexis but it is an overly difficult process. A quick internet search will show many others have reported the same issue. 

I have been on the phone with them several times to dispute the charges. The breaking point for me is based on today 's phone call ( XX/XX/year> at XXXX ) where LexisNexis required the employee, an non-english speaker, to speak in English to verify his credentials. The employee, a LexisNexis customer service, and I were on a three-way phone call. I told LexisNexis he has trouble speaking in English and I can translate for him. The employee would grant permission for me to speak on his behalf. LexisNexis said no and said the only way to proceed is for him say in English his name, address, social security number, driver 's license number, and date of birth. 

LexisNexis has gone out of their way to make the dispute charge difficult. They are using a poor phone line system ( mostly likely an internet phone system ) that either cuts off callers randomly, or making it difficult for the consumer to hear. They require documentation be sent to a server and wait 24 hours before you can contact them again and start the whole verification process over again. I'm not complaining that they don't have an English translator available but the fact that they will not allow them to grant another person to speak on their behalf is crazy. I don't know what their incorrect reporting percentage is but for every person they misreported and can not speak English, the consumer will have no choice but to accept the situation. A quick internet search will show that LexisNexis has incredibly poor customer service and most disputes takes over 30 days to resolve. A long wait time is one thing but preventing English speakers to speak for non-english speakers is insane. LexisNexis needs to do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent information reported on my credit reports by the furnisher XXXX XXXX  XXXX. This account is listed on all three major credit bureaus ( XXXX, Experian, and XXXX  ), but the reported details differ significantly : - XXXX  reports 30 days past due - Experian reports Past due 30 days three times - XXXX  reports Not more than two payments past due Additionally, the type of account is reported inconsistently ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the original creditor is not clearly identified in any of the three bureaus. 

These contradictions violate the Fair Credit Reporting Act ( FCRA ), which requires information to be accurate, complete, and verifiable.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed multiple unauthorized hard inquiries on my credit report from Experian, Equifax, and TransUnion. I never gave written authorization for these inquiries. I submitted a written verification request to Experian on XX/XX/ XXXX XXXX but received no response. I havent received any communication from the bureaus verifying or removing these inquiries. I believe these inquiries violate the FCRA and are harming my 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 2025-07-15 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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