vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Dear CFPB ; Credit Bureaus : In 2023, Barclays Bank Delaware pursued a debt that was subject to a legal proceeding. The case was fully dismissed by the court and the judge, meaning there is no enforceable debt obligation. Despite this, Barclays continues to report the account on my credit report as a charged-off debt. This violates FCRA 623 ( a ) ( 1 ), which prohibits the reporting of information known to be inaccurate. It also violates FCRA 611, as they failed to properly investigate my dispute when I challenged the reporting with the credit bureaus. Additionally, Barclays has not provided any original documentation validating the debt under FDCPA 809, nor have they corrected their XXXX XXXX reporting, which remains inconsistent and noncompliant. This inaccurate and unverifiable information has remained on my credit report for over a year following the legal dismissal, harming my credit standing and financial opportunities.

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 2025-08-07 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:
This is my third follow up complaint attempt to resolve a matter concerning the reporting of information and/or items on my credit report that I believe may have been accessed or added without proper authorization, as required under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ).

As per the Fair Credit Reporting Act, no one is allowed to access or report to my credit file without a legally permissible purpose. I am formally requesting that you provide clear documentation showing that the party or parties responsible for this Items had a valid reason to access or report on my file.

If you can not provide tangible evidence of this permissible purpose, I am requesting the immediate deletion of the disputed Items from my credit report. Continued reporting of unverifiable or unauthorized information violates my consumer rights under federal law. 
Items Disputed 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 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 XXXXXX/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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a loan that was fraudulently opened in my name. I did not authorize or apply for this account, and I am a victim of identity theft. I am not responsible for any charges or activity related to this loan. Please investigate this matter and remove the fraudulent account from my credit report as soon as possible.

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 2025-08-07 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 loan that was fraudulently opened in my name. I did not authorize or apply for this account, and I am a victim of identity theft. I am not responsible for any charges or activity related to this loan. Please investigate this matter and remove the fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-08-07 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: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-07 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 submitting this complaint in connection with fraudulent information appearing on my credit report as a result of identity theft. The account ( XXXX ) in question were opened or used without my knowledge or authorization. I discovered these accounts when reviewing my credit report on XX/XX/year>. 

On XX/XX/year>, I filed an identity theft report through IdentityTheft.gov, and I am formally requesting that the credit reporting agency block this fraudulent information from my file under FCRA Section 605B ( 15 U.S. Code 1681c-2 ). 

I submitted the required documentation, including my identity theft report, proof of identity, and proof of address, as required by law. According to the FCRA, the credit bureau is required to block the disputed information within 4 business days of receiving this request.

Despite my submission, the information remains on my credit report. I am requesting the CFPBs assistance to ensure compliance with FCRA 605B and to have the fraudulent information permanently removed. 

The company has not taken the necessary steps to block or delete the disputed account ( s ), and I am seeking resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure how they ended up there. I routinely check my report, but this time, unexpected discrepancies appeared. I even refreshed the browser thinking it could be a technical issue, but nothing changed. These inaccurate accounts stayed visible. Because of this, Im requesting a careful review of the documents Ive submitted to finally put this concern to rest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Skopos Financial, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX that stated my credit rating went up. I logged in to see the good news. Then, XXXX webpage stated that I had (? ) 6 ( approximately ) new loan and credit card offers.Being curious, I looked at these offers. Half of the offers were outrageous ( example : 168 % interest ) Then there were a couple more offers, by the same lender - REPRISE FINANCIALXXXX ( Access granted Inquiry date XX/XX/2025 ) This Company preapproved a {$23000.00} loan - down to a {$4000.00} loan ; I contacted them regarding the {$4000.00} loan ( to possibly catch up on my Property Taxes ). 
They were very persistent with me to, also, transfer my car loan to them. ( My car loan is with a local credit union with a better interest rate than Reprise had to offer. That would have been silly to do. Reprise kept talking to me and getting me so confused, that they almost talked me out of giving them my personal bank account number and username and password. I couldnt remember my password or user name. Reprise had me so confused that I was not thinking straight and I was becoming more and more frustrated. They talked me into calling my bank to get my account password and username. 
Thank XXXX, my bank refused to give me this information, and asked me to come down to the bank. 
At this point, I was shaking and confused. I hung up on Reprise. And, cried profusely. Im still shaken up today, but got the courage to contact you. 
I am a XXXX senior citizen with XXXX XXXX 
Thank You in Advance for your help, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
I am requesting the permanent deletion and blocking of the fraudulent account listed below from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX  Account Number : XXXX This account was not opened or authorized by me and is the result of identity theft. I have already submitted all required documents under 15 U.S.C. 1681c2, including : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of current address Per FCRA requirements, I expect the following actions to be taken : Permanent deletion of the fraudulent account from all credit files. 

Blocking of all identity theft-related data within 4 business days.

A corrected credit report showing the removal.

Written confirmation of the deletion and action taken.

If not resolved, I will proceed with complaints to the CFPB, FTC, XXXX, and Attorney General, and may pursue legal action under FCRA 616 for 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
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am reporting identity theft involving a XXXX XXXX credit card account opened fraudulently on XX/XX/XXXX. The account was charged off with a {$730.00} balance, which I did not authorize or use. A payment was reported on XX/XX/XXXX, which I did not make. I contacted XXXX XXXX to dispute the account and filed an FTC Identity Theft Report. Additionally, I discovered unauthorized hard credit inquiries on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX by XXXX XXXX XXXX, on XX/XX/XXXX by XXXX XXXX XXXX, and on XX/XX/XXXX by XXXX XXXX. I did not apply for credit with any of these companies. I have placed fraud alerts and am requesting that the account and inquiries be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ULRS, Inc.
State: AZ

Complaint narrative:
In in XX/XX/2023, a default judgment was entered against a company called XXXX XXXX XXXX, Systems by XXXX XXXX XXXX XXXX XXXX The judgment was only against XXXX. I am a defendant in the case. Unlike XXXX, I responded. I also filed a counterclaim. That case is still pending against and for me. But the collection company persists notwithstanding many requests by me and my attorney to remove the derogatory comment that they have placed on my credit bureau report. And sending various demands to the company, they have not responded to any of these emails. There have been approximately XXXX email sent, XXXX by me and XXXX by my turn. The name of the co is Credit Collection Bureau. Phone. XXXX. Location : XXXX XXXX XXXX XXXX XXXX CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I woke up to find an unauthorized inquiry on my credit report this morning, and I have no idea how it got there. I reviewed my report as I usually do, but this time I was met with unexpected and frustrating discrepancies. I even refreshed my browser hoping it was a technical glitch, but the inquiry remained. Im extremely frustrated and urgently request that the documents I provided be reviewed carefully so this doesnt continue to disrupt my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-08-07 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-08-07 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Block, Inc.
State: DC

Complaint narrative:
Unauthorized transaction made with merchant XXXX. 
I did not authorize any transaction with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
A medical collection was put on my credit report although company 's are not supposed to put them on credit reports as you stated on your site here as well and I contacted them and spoke with a lady name XXXX and I told her this as I am sure she knows and they are ignoring and violating my rights.This is a malicious practice and I want this off my report as I currently seek a attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am formally filing a complaint with SYNCB/ROOMS TO GO data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

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