vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$71.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: SD

Complaint narrative:
I opened my account on XX/XX/XXXX with a welcome bonus offer of XXXX dollars when direct depositing XXXX dollars in XXXX  days. I made a direct deposit of XXXX on XX/XX/XXXX. You are suppose to get the bonus within XXXX business days i still have not received it. Asked customer service and they are no help.

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 2025-07-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hello, thank you. On XX/XX/year>, someone added me as an authorized user of their credit card account. I am completely unaware of this transaction, it is completely fraudulent since I have never had that type of Barclay XXXX XXXX account. I was in contact with the bank, they confirmed that nothing appears in their systems, but my credit report still shows that I have a debt of XXXX, an account I do not recognize.

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 2025-07-28 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} INQUIRIES XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal my account was hacked in XXXX  and another address not mine was added to my account in XXXX XXXX  and is probably the culprit who did those actions. Last year there was some charge to my PayPal account and the person claiming i owe them money was for XXXX dolls I supposedly said I would sell them. That was not me at all and I had no idea what they were talking about. The person said that my account was who the money was sent to for those dolls. I told them i have no clue about dolls or money sent for them. I had been sent money a couple of times from a friend or XXXX that were helping me pay a bill or XXXX while i was not working. My Identity was stolen in the XXXX and XXXX breaches and since I have had hundreds if not thousands of emails for products i supposedly purchased but did not order anything at all. My identity being hacked is having someone using my information and using it to bill me and have those products shipped to the culprits adress or something like that. Any and all emails involving PayPal I am sending to XXXX. {$110.00} is supossedly being collected upon which has nothing to do with me whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
All dates, accounts and information is attached below

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Following my reinvestigation, into my XXXX XXXX account ending in ( XXXX ), I obtained documentation confirming that the account balance was settled, the remaining balance was canceled, and a Form XXXX was issued. The current balance, per XXXX records, is {$0.00}. ( See Attachments ) Despite this, your bureau continues to report this account as a charge-off with an outstanding balance, which is demonstrably false. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) : Furnishers of information have a legal duty to provide accurate information. & 15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable reinvestigation and update or delete inaccurate information.

You have failed both to properly reinvestigate my previous disputes and to correct the balance in accordance with verified records. Additionally, under IRS Publication 4681, once a debt is canceled and a XXXX is issued, the obligation is discharged and should not be reported. as due or collectible. This issue has cause severe damages to my credit score and I demand it to be corrected to assure there will be no additional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
Following my reinvestigation, into my XXXX XXXX account ending in ( XXXX ), I obtained documentation confirming that the account balance was settled, the remaining balance was canceled, and a Form XXXX was issued. The current balance, per XXXX records, is {$0.00}. ( See Attachments ) Despite this, your bureau continues to report this account as a charge-off with an outstanding balance, which is demonstrably false. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) : Furnishers of information have a legal duty to provide accurate information. & 15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable reinvestigation and update or delete inaccurate information.

You have failed both to properly reinvestigate my previous disputes and to correct the balance in accordance with verified records. Additionally, under IRS Publication 4681, once a debt is canceled and a XXXX is issued, the obligation is discharged and should not be reported. as due or collectible. This issue has cause severe damages to my credit score and I demand it to be corrected to assure there will be no additional harm.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am disputing a charge-off account from Synchrony Bank XXXX XXXX XXXX XXXX ) XXXX is being reported on my credit profile. I am not the primary account holder. I co-signed the account under the impression it was being maintained properly, but I was not notified about the missed payments or delinquency. 

I contacted Synchrony Bank and spoke with XXXX. I also contacted XXXX XXXX and spoke with XXXX XXXX. Both confirmed that I am not the main account holder and therefore was not authorized to receive account information or negotiate any resolution. 

I was also unable to access the account or receive the account number. Despite this, the charge-off remains on my credit report. I submitted disputes with all XXXX  credit bureaus, and XXXX  returned a result verifying the charge off, even though I can not even access the account or settle it. 

I waited over XXXX minutes on hold and took multiple steps in good faith to resolve the issue, but no progress was made. This is affecting my ability to obtain financing for my XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I am a victim of identity theft, and there is an account being reported under the name XXXX  XXXX  on my credit report that I did not open, authorize, or apply for. This account was fraudulently established using my personal identifying information without my knowledge or consent. 

I have never had any relationship or communication with XXXX XXXX, nor have I applied for a loan, deferment, or student financial product with them. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX, I have the legal right to request the blocking of any information resulting from identity theft on my credit report. I have already notified the credit reporting agencies of this fraud and provided proper identification and evidence, including a copy of my FTC Identity Theft Report ( or police report, if applicable ). 

Despite this, the XXXX  XXXX account remains on my credit file. I am requesting the assistance of the CFPB in compelling the credit reporting agencies and/or XXXX to XXXX and permanently remove this fraudulent account and provide written confirmation of its deletion. 

This fraudulent entry is negatively impacting my creditworthiness, and I am seeking only a fair and lawful resolution : removal of the inaccurate data and restoration of the integrity of my consumer file.

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 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-28 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: IA

Complaint narrative:
Several accounts began reporting negatively on my credit report, despite multiple inaccuracies and a lack of proper validation. For example, the XXXX account reflects conflicting high balance amounts across different credit bureaus and no billing history has ever been provided. The XXXX XXXX account continues to report derogatory information, but I have never received a signed application, billing statements, or any proof of liability. Additionally, an account from XXXX XXXX has been reporting since XXXX  without a single update or verification of activity, contract, or balance details. Several accounts from XXXX are also listed as negative, but none have shown valid contracts, itemized statements, or billing recordssome of which are low-balance and unverifiable. A collection account from XXXX XXXX XXXX is listed without any documentation of ownership or assignment from the original creditor. Ive previously disputed these accounts, but they remain unresolved with no proper response or supporting evidence provided. These items are harming my credit unjustly, and I am requesting immediate reinvestigation and correction.

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 2025-07-28 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: CL Holdings LLC
State: GA

Complaint narrative:
I was in the process of trying to buy a car, and there was damage on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report.

Remove All Fraudulent Accounts Immediately!!!

I am writing to formally dispute a charge on my credit card account in accordance with the Fair Credit Billing Act ( FCBA ). The details of the disputed transaction.

I am writing to dispute inaccurate information that your company is reporting to the credit bureaus regarding my above-referenced account.

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am formally requesting that you investigate this matter. The information currently being reported is inaccurate for the following reason : Under 15 U.S.C. 1681i, you are required to investigate my dispute, report the results to me, and correct or delete any inaccurate or unverifiable information within the required timeframe ( generally 30 days ). 

Please confirm in writing when the investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These entries are incorrect and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which ensures the accuracy of consumer information reported.

Additionally, your agency has disclosed my private information without my authorization, violating [ 15 USC 1681b ] ( a ) ( 2 ) and infringing upon my privacy rights as per [ 15 USC 1681 ] ( a ) ( 4 ).

I respectfully request the removal of these inaccuracies from my consumer file. If these issues are not addressed promptly, I will have to consider taking legal action to protect my rights.

These violations are categorized as Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ),

Company response to consumer: Closed with explanation