vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: IN

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$480.00} XXXX  Date opened XX/XX/XXXX XXXX {$860.00} XXXX  Date opened XX/XX/XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX {$630.00} XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XXXX Paid off XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX Paid off XX/XX/XXXX Transunion : XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$480.00} XXXX  Date opened XX/XX/XXXX XXXX {$860.00} XXXX Date opened XX/XX/XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$16000.00} XXXX  Date Opened : XX/XX/XXXX XXXX {$290.00} XXXX  Paid off XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX {$400.00} XXXX  Paid off XX/XX/XXXX Equifax : XXXX XXXX  Date opened XX/XX/XXXX XXXX {$480.00} XXXX Date opened XX/XX/XXXX XXXX {$860.00} XXXX  Date opened XX/XX/XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX {$630.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$16000.00} XXXX  Date Opened : XX/XX/XXXX XXXX {$290.00} XXXX  Paid off XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX {$400.00} XXXX Paid off XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$480.00} XXXX  Date opened XX/XX/XXXX XXXX {$860.00} XXXX  Date opened XX/XX/XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX {$630.00} XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XXXX Paid off XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX Paid off XX/XX/XXXX Transunion : XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$480.00} XXXX  Date opened XX/XX/XXXX XXXX {$860.00} XXXX Date opened XX/XX/XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$16000.00} XXXX  Date Opened : XX/XX/XXXX XXXX {$290.00} XXXX  Paid off XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX {$400.00} XXXX  Paid off XX/XX/XXXX Equifax : XXXX XXXX  Date opened XX/XX/XXXX XXXX {$480.00} XXXX Date opened XX/XX/XXXX XXXX {$860.00} XXXX  Date opened XX/XX/XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX {$630.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$16000.00} XXXX  Date Opened : XX/XX/XXXX XXXX {$290.00} XXXX  Paid off XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX {$400.00} XXXX Paid off 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed this account due to not being removed several time its involved with a litigation matter with a public record thats inaccurate and has been reporting as a open loan on my credit report involved in Identity theft also

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 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I XXXX XXXX is declare fraud on my PayPal account and I didnt not authorized any transaction with hard rock bets

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> LexisNexis XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Bankruptcy Reporting / Violations of FRBP Rule 9037 & FCRA 1681i Dear Lexis Nexis and affiliates, I am writing to formally dispute the inclusion and reporting of a bankruptcy record associated with my name and credit profile by LexisNexis. The reporting of this bankruptcy is in clear violation of Rule 9037 of the Federal Rules of Bankruptcy Procedure, which mandates the redaction of personal identifiers and prohibits the public disclosure of full sensitive information from court records. Further, this reporting constitutes a willful and negligent violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), specifically relating to the accuracy, reinvestigation, and handling of disputed information.

This bankruptcy record should have never been published or furnished in the format you have presented, as it includes details obtained in violation of redaction rules, which compromises my legal rights and my personally identifiable information.

I am demanding the immediate deletion and permanent suppression of this bankruptcy record from my LexisNexis file and all related data systems. Additionally, I request full documentation of the source from which this bankruptcy record was obtained, including any third-party vendor or system used in its collection and reporting.

You are hereby notified of your legal obligation to conduct a proper reinvestigation under 1681i of the FCRA. Failure to remove the inaccurate and unlawfully reported information within XXXX  days of receipt of this letter will result in a formal complaint filed with the Federal Trade Commission ( FTC ), and your state Attorney Generals office.

Further, I will not hesitate to file a claim in Small Claims Court for statutory damages, actual damages, court costs, and attorneys fees under 15 U.S. Code 1681n and 1681o, should this matter not be resolved promptly and lawfully. 



Please provide me with written confirmation that this record has been removed and all steps you have taken to ensure compliance. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Several accounts have went to third parties that I don't know and did not sign any contract with. My information has been found on several dark webs and I continue to still get these letters about my information being on a dark web so I'm not sure who has my information also I've been offered identity theft protection from Equifax and trans that they want to charge me for but tell me in a letter is free

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 2025-07-06 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: FL

Complaint narrative:
A charge in the amount of {$1600.00} was placed on our card XX/XX/XXXX by Barclays. The company indicated was XXXX XXXX XXXX. The phone number on the XXXX statement was a recording at XXXX telling you to check their site for transaction receipts which I did and of course, there wasn't XXXX because we purchased nothing from this company. 

Initially, the dispute was ignored, and it took several more calls to get Barclays to actually open an investigation. We have opened XXXX disputes since with Barclays. Each one has been denied because they received an invoice from a person - not a company- and I was told because it has my email address on it, they consider it a valid invoice. After the first denial, it has taken them less than an hour to deny the other cases. I can only assume they are not doing anything additional to investigate. 

They finally provided me with a phone which is for someone other than the name on the invoice. We were able to locate a total of XXXX phone numbers for this individual. I have texted and called and received no response back. We have requested a copy of the invoice from Barclays and have yet to receive a copy. I was even told by XXXX representative that because my husband did not answer the phone when they called, they denied the claim and closed it. 

Barclays lost information from first claim filed in XXXXXXXX XXXX  # XXXX XX/XX/XXXX - XXXX XXXX # XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX sending invoice and reopening case XXXX XXXX The last phone call with them was on XX/XX/XXXX. I was told a new case would be open. Within an hour it was closed. They don't seem to understand, everyone 's information is on the internet. 

We did not make this purchase. It is fraud and Barclays unwillingness to do anything amounts to legalized theft. I have no evidence I did not purchase the supposed services because I did not purchase them, and Barclays keeps telling me I must prove I didn't purchase anything.

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 monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Account TRANSWORLD SYSTEM INC # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action. 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt The debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Since XX/XX/XXXX, I have asked the XXXX XXXX XXXX, Equifax, Experian and TransUnion to lift a security freeze requested after I had been victim of identity theft. 

The XXXX credit bureaux asked for additional and updated documents. I have sent copies of the deed to my house, copies of my last XXXX, my Social Security Card, my Driver 's license, a copy of a bill in my name, a copy of a Statement by a Utility company, copies of my bank statements. More recently, I mailed copies of my paystubs and copies of my new Driver 's License after I had lost my old one. 

I am receiving conflicting information from TransUnion who said that " there was no security freeze '' while saying at the same time in XX/XX/XXXX that " my documents were too old. '' I just resubmited copies of my paystubs and a copy of my new Driver 's License. 

Equifax has requested information about my husband and more information about me. I submitted my husband 's driver 's license, his XXXX form and his XXXX from the VA. I also submitted my Driver 's License, my Social Security, my last XXXX and copies of my paystubs. 

Experian is the only credit bureau who said that " my file does not display a freeze. '' Yet, I still sent copies of my paystubs and my renewed Driver 's License to Experian. I have not heard anything from the other credit bureaux, TransUnion and Equifax. 

I am trying to apply for a credit card and a loan along with my husband and the refusal of the credit bureaux to lift that security freeze is affecting my ability to get a credit card and a loan. I always have had a good credit score before. However, after this identity theft out of caution, I have no credit history and I would like to rebuild a credit history. 

I thank you very much in advance for your assistance with getting my security freeze permanently lifted.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Since XX/XX/XXXX, I have asked the XXXX XXXX XXXX, Equifax, Experian and TransUnion to lift a security freeze requested after I had been victim of identity theft. 

The XXXX credit bureaux asked for additional and updated documents. I have sent copies of the deed to my house, copies of my last XXXX, my Social Security Card, my Driver 's license, a copy of a bill in my name, a copy of a Statement by a Utility company, copies of my bank statements. More recently, I mailed copies of my paystubs and copies of my new Driver 's License after I had lost my old one. 

I am receiving conflicting information from TransUnion who said that " there was no security freeze '' while saying at the same time in XX/XX/XXXX that " my documents were too old. '' I just resubmited copies of my paystubs and a copy of my new Driver 's License. 

Equifax has requested information about my husband and more information about me. I submitted my husband 's driver 's license, his XXXX form and his XXXX from the VA. I also submitted my Driver 's License, my Social Security, my last XXXX and copies of my paystubs. 

Experian is the only credit bureau who said that " my file does not display a freeze. '' Yet, I still sent copies of my paystubs and my renewed Driver 's License to Experian. I have not heard anything from the other credit bureaux, TransUnion and Equifax. 

I am trying to apply for a credit card and a loan along with my husband and the refusal of the credit bureaux to lift that security freeze is affecting my ability to get a credit card and a loan. I always have had a good credit score before. However, after this identity theft out of caution, I have no credit history and I would like to rebuild a credit history. 

I thank you very much in advance for your assistance with getting my security freeze permanently lifted.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To whom is May Concern, As you can see this account was purchased by a Third Party Debt Collector. 
PORTFOLIO RECOV ASSOC This account must be deleted immediately as the status is not accurate, the amount is not correct and account was paid for less than what is owed by PORTFOLIO RECOV ASSOC As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. There For it must be DELETED IMMEDIATELY. 
Here is the account name and number for reference and incorrect amount also. 

PORTFOLIO RECOV ASSOC XXXX How much did the collection company pay for this debt? I don't know and neither does my credit file reflect the same amount. This is a clear violation the FCRA as this is not accurate nor is it complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have tried many times over the years to have accounts with chase. My last account with them was back in XXXX I believe. I have never done anything fraudulent with this bank organization and yet everytime I try to successfully open an account it is closed days later and they refuse to give any information as to why that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, capital one has closed all my credit card accounts, In which I has XXXX credit cards with this company. I have been a valued customer for XXXX years and just recently had a return payment from my other bank institution. I never spoke with anyone regarding this matter prior to closing of the account. I have not received anything in the mail, and when i called to get a better understanding, i was told because the account payment was sent back. this was not ok due to the fact I have been with this company for XXXX long years. I never received a credit increase like i requested many of times and was denied every time. 

I asked the representative was there any option for reinstatement, especially the fact that not even a month ago i made a payment on XX/XX/year> of XXXX another payment was made prior to that as well. I explained to the representative that i was calling to dispute charges from XXXX rental car only to get notice over the phone that both of my capital one accounts was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have decided to report the credit bureaus for reporting inaccurate data on the accounts posted on my credit reports with XXXX XXXX and TransUnion. According to the law FCRA all data must accurate and incomplete. Which means all accounts must have the exact information on each accounts. I am ware that the creditors are the ones who furnishes the information to the credit bureaus but XXXXXXXX XXXX and Transunion publih the inconsistency for all accounts. This type of error affects my ability to buy a home and start a new business. This type of action is deframing my character as a consumer. 

The accounts that are inaccurate are the following XXXX XXXX - Account XXXX -- XXXX reporting inaccurate sate last active, payment history and date last payment. All of these notation are reporting inccurate. 

XXXX XXXX Account number- XXXX reported inaccurate dates for last active and last reported.

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