vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
The bureau is reporting incorrect information on my credit file. I have disputed only for them to update with more incorrect information. Data has not been verified. Each bureau is reporting different information for the same account. Please remove the inaccurate information immediately. I am attaching screenshots of all 3 bureaus regarding this account for proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
The bureau is reporting incorrect information on my credit file. I have disputed only for them to update with more incorrect information. Data has not been verified. Each bureau is reporting different information for the same account. Please remove the inaccurate information immediately. I am attaching screenshots of all 3 bureaus regarding this account for proof.

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 2025-08-01 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: NY

Complaint narrative:
I recently obtained a copy of my credit report and was surprised to find a single late payment listed, which is inconsistent with my long-standing record of timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: CA

Complaint narrative:
Took possession of used truck on XX/XX/year> Noted issues with damaged tire ( photo proof of low tread and tire plug attached ) to delivery tech Vehicle advertised as flexible fuel ( XXXX ) capable - Vehicle is not capable of accepting this fuel Alerted the company to the tire issue, which they refused to resolve. Alerted the company to the advertising issue, as it could have resulted in a vehicle fire and/or residence fire ( garage ) ; company refused to acknowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I am filing this complaint against Barclays ( Financing XXXX ) for mishandling valid billing disputes under the Fair Credit Billing Act ( FCBA ).

On XXXX XXXX XXXX, I purchased computer parts from XXXX using the above-mentioned cards. The items were shipped via XXXX  and marked as delivered, but were stolen from my property shortly after delivery. I have security camera footage showing the theft and filed a police report. 


Timeline : XX/XX/year> : Items stolen immediately after XXXX delivery ; I filed a dispute with Barclays within the required timeframe. 
XXXX XXXX  : Barclays temporarily credited my accounts during investigation. 
XX/XX/year> : Barclays re-billed me despite the evidence, stating that XXXX and XXXX confirmed delivery. 
XX/XX/year> : I submitted formal dispute letters citing FCBA, which protects consumers when goods are not received in usable condition. Both banks denied my disputes again. 
XX/XX/year> : I filed a complaint with the CFPB ( Case # XXXX ). Barclays maintained their positions. 
XX/XX/year> : I filed with the OCC ( Case # XXXX ). OCC referred the complaint back to CFPB as Barclays have > $ XXXX in assets. 


Why This Violates FCBA : Both XXXX and Barclays equate merchant shows delivered with consumer received the goods. This is not correct. I never physically received the merchandise. FCBA ( 15 U.S.C. 1666 ) defines a billing error to include items not accepted by the consumer or not received.

Both banks ignored video proof, the police report, and my timely dispute submissions.

They closed my disputes by shifting liability onto me, even though I had no chance to take possession of the goods.

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 2025-08-01 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: TX

Complaint narrative:
It has come to my attention that my credit report contains a late payment record that is incorrect. I have always fulfilled my payment obligations on or before the due date and have documentation that confirms my timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-01 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: NY

Complaint narrative:
I am writing to formally dispute a late payment that has been inaccurately reported on my credit report. I have consistently met all of my payment obligations on time, and this isolated claim is not supported by my payment history.

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 2025-08-01 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: CA

Complaint narrative:
I noticed a late payment on my credit report that does not match my actual payment history. I verified through my records that this payment was submitted on time.

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 2025-08-01 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: NV

Complaint narrative:
I recently noticed a late payment reported on my credit file that I believe to be incorrect. My records show the payment was made on time and never overdue.

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 2025-08-01 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: IN

Complaint narrative:
I 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: IN

Complaint narrative:
I 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 2025-08-01 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: AR

Complaint narrative:
" I noticed that three hard inquiries were made to my credit report without my knowledge or consent. These inquiries were from XXXX XXXX ( XX/XX/year> ), XXXX XXXX  ( XX/XX/year> ), and XXXX XXXX XXXX XXXX ( XX/XX/year> ). I did not apply for credit or authorize any of these institutions to access my credit file. I am requesting an immediate investigation and removal of these unauthorized inquiries from my credit report as they are negatively affecting my credit score and were not initiated by 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA 609 and 611, you must provide a complete investigation and validation of these accounts within 30 days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. 
XXXX XXXXXXXX XXXX XXXX  Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} SUN XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$9900.00}

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 2025-08-01 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I am a victim of XXXX  XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX  XXXX : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX RTN/ACCT # : XXXX / XXXX Date of XXXX Original Charge Off Amount : {$1300.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX / XXXX Date of Closure : XX/XX/XXXX Original Charge Off Amount : {$150.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX 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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: AL

Complaint narrative:
I got my payment of {$6000.00} in my Axos bank checking account on XX/XX/XXXX. 
My account was hacked from different countries which can be seen from login activity history. 
I complained to Axos bank and filled a dispute for {$1900.00} which was used at XXXX. After so many weeks and complaints axos bank made a preliminary deposit of {$1900.00}. 
I have filed dispute for the remaining {$4000.00} which was sent as wire transfer. Its been over a week and Axos bank has been unresponsive. They have also refused to start processing the dispute. No response from their customer care. No processing of my dispute. They have been totally unresponsive, unprofessional and reeks of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: SD

Complaint narrative:
b'My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607(b), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard.\nXXXX XXXX XXXX  Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX  Balance: XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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: CA

Complaint narrative:
I am writing to dispute a late payment reporting that does not accurately reflect my history of consistent, on-time payments for this account. I have been a responsible and timely payer, and this single late mark appears to be a reporting error.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am disputing several accounts reported to Early Warning Services that I did not open or authorize. These accounts were reported by XXXX XXXX and XXXX XXXX, with activity spanning from XXXX to XXXX. I was not made aware of these accounts until I obtained a copy of my Early Warning file disclosure in late XX/XX/XXXX. 

I have never had a banking relationship with these institutions under the account numbers listed, and I believe this information may have been reported in error or due to identity theft. For example, one of the XXXX XXXX accounts shows over {$600.00} in unpaid balances and returned transactions, which I did not authorize or initiate. There are also returned ACH transactions from XXXX tied to routing number XXXX, which I have no involvement with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am disputing a late payment entry that is falsely listed on my credit report. I made the payment on time, and Ive attached proof for your review. This reporting error is negatively affecting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I am the victim of identity theft. Multiple fraudulent accounts and inquiries are on my credit reports with Experian, Equifax, and TransUnionincluding XXXX XXXX XXXX XXXX ( auto loan ), XXXX XXXX XXXX auto loan ), XXXX XXXX XXXX  XXXX and XXXX XXXX. 

I have never applied for or authorized these accounts, do not recognize any joint applicants, and have not benefited from them. There are no legitimate hard inquiries corresponding to these accounts. 

I have submitted multiple disputes and FTC Identity Theft Reports ( see attached ), formally requested a manual investigation, and requested original signed documentation for these accounts from both the credit bureaus and the creditors. 

Despite this, the fraudulent accounts and inquiries remain. The credit bureaus are using automated ( E-OSCAR ) responses, which is a direct violation of FCRA Section 605B and 1681c-2, requiring a permanent block within 4 days upon receipt of my FTC report .

My requests to remove all incorrect names, addresses, and aliases have also been ignored.

This ongoing inaction is causing severe harm to my credit score, credit opportunities, employment, and housing prospects.

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 2025-08-01 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: LA

Complaint narrative:
I am the victim of identity theft. Multiple fraudulent accounts and inquiries are on my credit reports with Experian, Equifax, and TransUnionincluding XXXX XXXX XXXX XXXX ( auto loan ), XXXX XXXX XXXX auto loan ), XXXX XXXX XXXX  XXXX and XXXX XXXX. 

I have never applied for or authorized these accounts, do not recognize any joint applicants, and have not benefited from them. There are no legitimate hard inquiries corresponding to these accounts. 

I have submitted multiple disputes and FTC Identity Theft Reports ( see attached ), formally requested a manual investigation, and requested original signed documentation for these accounts from both the credit bureaus and the creditors. 

Despite this, the fraudulent accounts and inquiries remain. The credit bureaus are using automated ( E-OSCAR ) responses, which is a direct violation of FCRA Section 605B and 1681c-2, requiring a permanent block within 4 days upon receipt of my FTC report .

My requests to remove all incorrect names, addresses, and aliases have also been ignored.

This ongoing inaction is causing severe harm to my credit score, credit opportunities, employment, and housing prospects.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
u guys stole XXXX XXXX XXXX  from me and put my info on the dark web!!! XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
Disputing inaccurate, unverifiable, or outdated accounts reported by TransUnion, including collections, charge-offs, and re-aged items. Documentation uploaded. No validation or reinvestigation per FCRA 609 & 611.I am disputing multiple inaccurate and unverifiable accounts reported on my TransUnion credit report. These include items from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. Despite submitting online disputes and supporting documentation, these accounts have not been validated or corrected. Some show obvious system errors ( e.g., Date Closed : XX/XX/year> ) .I am filing a complaint against TransUnion and Experian for continued reporting of inaccurate, outdated, and unverifiable accounts despite multiple disputes and documentation submitted through their online portals. 

The accounts in question include items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others. Some show obvious system errors ( e.g., Date Closed : XX/XX/year> ), and others were paid or closed years ago yet are still reported as delinquent or charged off.

I uploaded supporting documents through their portals, but no reinvestigation was properly conducted as required by FCRA 611. In many cases, no validation was provided under FCRA 609 or FDCPA 809.

This has caused serious harm to my credit standing. I am requesting immediate deletion of all inaccurate and unverifiable accounts and a full investigation into TransUnion and Experians failure to follow consumer protection laws.

If not resolved promptly, I will pursue litigation for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I bought a product from XXXX and I returned within 30 days. And I purchased with XXXX  loan in installment. I returned the product and they didnt release the full refund and I stopped making the payment and now they reported me to credit bureau and now Ive a charge off loan and missed payment and late payments in 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