vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I am disputing the XXXXXXXX XXXX tradeline appearing on my Equifax report. After forensic review, the following defects exist : 1. Contradictory Status Tradeline marked Charge Off and also Closed by Credit Grantors Request.

2. Balance/Limit Discrepancy Balance shows {$18000.00} against a {$15000.00} limit, conflicting with XXXX {$0.00} limit. 
3. Payment History Inaccuracy Equifax reports only 32 % on-time payments, conflicting with XXXX 79 %. 
4. Past Due on Closed Account Reporting {$18000.00} past due after charge-off is inaccurate. 
XXXX. Improper Payment Coding Inconsistent CO and ND notations without backup documentation. 
Legal Basis : FCRA 607 ( b ) : Accuracy obligation FCRA 611 : Reinvestigation duty Cushman v. TransUnion, 115 F.3d 220 Metro 2 : Fields 17A, 22, 24, 26, 27

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
In XXXX of this year ( XXXX ), I noticed in my XXXX XXXX app that I had a debt collection pop up from Bay Area Receivables in the amount of {$1300.00} from XX/XX/XXXX. I have never seen myself have a bill for anything this high, I do not know where it came from. I have tried disputing, but it never works even though I have put I was not notified or know that this is even my debt. 
The company has never called me, I have had a debt collector call me once or twice FROM A DIFFERENT COMPANY * * but I have never received a letter, a call, or anything from Bay Area Receivables. I have recently requested verification of debt and waiting for their response.

I don't even know what possible bill or debt this could be. I genuinely don't. And I know by law I need to be notified, and I have not at all. I have not heard of anything. I never even received a bill in the mail concerning this debt, to see it pop up on my credit report out of the blue is concerning. XXXX XXXX said that the company resolves my dispute claiming my dispute is inaccurate... I have also done research to see this company has had many lawsuits filed against them with the same issue I am having. Which is making me concerned, as it is a mark on my credit that I have no clue where it came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MI

Complaint narrative:
I am disputing these inaccurate and unauthorized information on my credit reports maintained by Equifax, Experian and TransUnion. 
The following collections were reported without my knowledge, consent, or authorization : XXXX XXXX XXXX XXXX XXXX XX/XX/year>, that resulted in collection with a Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX, that resulted in collection with a Balance : {$2900.00} Additionally, the following hard inquiries/accounts were reported without my authorization : XXXX XXXX, Experian Business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These entries are inaccurate, unverifiable, and causing harm to my credit profile. I have never applied for or initiated any of these accounts or inquiries.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute these accounts and inquiries. I request that the credit reporting agencies and furnishers provide documentation verifying these items or remove them from my credit file immediately.

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 2025-09-17 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:
I am writing to formally file a complaint regarding identity theft and the continued presence of fraudulent accounts on my credit report. Despite numerous attempts to resolve this matter directly with the credit bureaus, the inaccurate information has not been corrected.

An individual fraudulently opened credit card accounts under my name. I have repeatedly disputed these accounts with the credit reporting agencies and submitted documentation proving that I did not authorize, apply for, or sign for these accounts. To date, none of the bureaus have provided verification of my signature, proof of my application, or evidence connecting me to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I transferred an amount of {$500.00} to a friend in XXXX. Then, on XX/XX/XXXX, a friend who wanted to purchase goods from me for {$240.00} asked me to create a payment request ( invoice ) so they could send the money. Immediately after that, PayPal limited my account for further verification, and the next day they permanently locked my account without providing any specific reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
the accuracy of the Credit Card Account reported XXXX XXXX XXXX  XXXX on my Equifax, Transunion and Experian credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the accuracy of this information within the 30-day period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), I request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. 
Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this matter.

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 2025-09-17 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XX/XX/XXXX XXXX A cash app transaction that someone took out when they hacked into my debit card number and did a cash withdraw of XXXX. I did make a police report which the bank authorized me to do and when I went to make the dispute the lady on the phone said don't worry about it if they need it they will let you know. The bank closed the case and marked the charge as I don't remember this transaction which is not true. I do remember my card being charge because I did not do the charge and contacted the bank once I found out it was fraud. The bank refused to give me my money back and my mom has been with this company over 10 years this is so sad.

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 2025-09-17 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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
Consumer complaint received 2025-09-17 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
Status Mismatch : TransUnion and Experian show status as 'Closed ', Equifax shows status as 'Closed ' but with different reporting ( Equifax Only indicator ). ( Account : XXXX  BANK / # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inconsistent Reporting : Equifax only reports this account, not found in TransUnion or Experian. ( Account : XXXX  BANK / # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inconsistent Reporting : Equifax only reports this account, not found in TransUnion or Experian. ( Account : XXXX  BANK / # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXs 'Closed ' with 2 matches, but discrepancies may exist in details not fully specified. ( Account : XXXX  / # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Inconsistent Reporting : Experian only reports this account, not found in TransUnion or Equifax. ( Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Discrepancy in Count : TransUnion reports 9 accounts, Experian reports 9 accounts, Equifax reports 8 accounts ; inconsistency in total number. ( Account : Total Accounts ) Discrepancy in Count : TransUnion reports 6 delinquent accounts, Experian reports 6, Equifax reports 6 ; labeled as large discrepancy but counts match, possible error in labeling. ( Account : Delinquent Accounts )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
So XXXX XXXX XXXX told Capital One that I was behind on a payment which is why they repossessed the vehicle and I was not due for a refund. Now, there has been documentation received from the repo company stating that they said it was fraud. This creates a paramount discrepancy because which lie is it? Was it fraud or was it an actual repossession regarding the defaulting on payments that I owed XXXX and not XXXX XXXX XXXX? 

I am disputing this claim again and demanding that a proper investigation be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
XX/XX/XXXX I deposited a check from the California state lottery through the state controller 's office for a {$2500.00}. There was no hold information provided to me at the XXXX XXXX XXXX XXXX XXXX XXXX locked me out of my account and would not allow me access to my funds, despite several attempts to contact they still have not provided the access to my funds. they have also locked me out of my account via online and ATM card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 Balance : {$4000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-09-17 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: TX

Complaint narrative:
I am filing this complaint because my credit reports across all three major bureausXXXX XXXX, and Equifaxare showing multiple collections and a charge-off that are either inaccurate, unverifiable, or outdated. These reporting errors are negatively impacting my creditworthiness, causing financial hardship, and violating federal law, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The collection accounts in question are all associated with the Department of EducationXXXX XXXX They are reported as follows : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3700.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$6500.00} DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4300.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} Each of these accounts has been reported without sufficient documentation to substantiate that I am legally responsible for the debts. When I disputed these items, I did not receive evidence such as contracts, payment histories, or statements confirming the validity of the debts. Simply marking the accounts as verified does not constitute a lawful reinvestigation under 15 U.S.C. 1681i. A proper reinvestigation requires the credit bureaus to obtain and review verifiable documentation directly from the furnisher, yet this standard has not been met. By allowing these collections to remain on my credit reports without verification, the bureaus are publishing information they can not verify as accurate, which is a direct violation of their obligations under the FCRA. 

In addition, Equifax is reporting a XXXX charge-off ( XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} ) that is inaccurate. This account reflects a XXXX balance, meaning it has already been satisfied or otherwise resolved, yet it continues to appear as a derogatory charge-off. Under 15 U.S.C. 1681c, outdated accounts and accounts with XXXX balances must not be reported in a way that misrepresents a consumers credit standing. Equifaxs continued reporting of this charge-off is misleading, harmful, and legally indefensible. 

These inaccuracies are not just technical errorsthey have real consequences. Because of these accounts, I have been denied credit opportunities and offered higher interest rates. Lenders have questioned me about these collections and charge-offs during credit applications, causing significant stress, embarrassment, and financial disadvantage. I have been forced to explain and dispute matters that should have been resolved long ago, which has caused emotional distress and wasted countless hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
UniFin , Inc. contacted me on [ date of notice ] about a XXXX XXXX XXXX debt ( {$1800.00}, account ending XXXX ), time-barred since XX/XX/XXXX ( XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. Their attempt to collect violates FDCPA 1692e ( 2 ) ( A ) by misrepresenting the legal status. The debt was re-aged ( reported as opened XXXX ), violating FCRA 1681c ( a ) ( 4 ). They obtained my contact info post-dispute ( likely via credit bureau data share, XX/XX/XXXX update ), enabling this illegal pursuit. Nothing is reported yet, but I demand they cease all contact and not report it. Ive disputed this debt with credit bureaus ( XX/XX/XXXX, XXXX XXXX, XXXX ) and filed CFPB complaints ( cases XXXX XXXX XXXX XXXXXXXX ), proving its time-barred status. This harms my credit ( XXXX ) and job prospects. I request FDCPA/FCRA enforcement.

Company response to consumer: Closed with explanation