vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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:
My personal identifying information was compromised in a data breach, resulting in identity theft. As a result of this breach, an account reported by XXXX XXXX XXXX XXXX appearing on my credit report does not belong to me, was not opened by me, and I never authorized this account or any activity associated with it. 

I have no membership relationship with XXXX XXXX XXXX XXXX and have never applied for, used, or benefited from any credit product from this institution. The reporting of this account is therefore inaccurate, fraudulent, and unverifiable. 

Despite the clear indicators of identity theft, this account continues to be reported with late payments, a balance, and charge-off activity, causing ongoing harm to my credit profile. This constitutes a violation of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 1681i ( failure to conduct a reasonable investigation ). 

I am requesting the immediate deletion of this XXXX XXXX XXXX XXXX account from my credit report. If the furnisher can not provide competent evidence bearing my signature or proof of authorization, this account must be permanently 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 2025-12-28 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: MA

Complaint narrative:
I am disputing the following accounts reported by Experian due to inaccuracies or misreporting of the information, which I believe does not reflect my actual credit history. 

Disputed Accounts : 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 2025-12-28 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: DE

Complaint narrative:
I am submitting this complaint to dispute inaccurate and incomplete information appearing on my Experian credit report. I am a consumer working to correct my credit and make sure my report accurately reflects my financial history. 

Charged-Off / Collection Accounts I dispute the accuracy and reporting of the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of these accounts show XXXX balances but continue to be reported as charged off or negative. Other accounts appear inaccurately reported, duplicated, or not fully verified. I am requesting Experian verify the accuracy of the balances, dates, ownership, and account status for each item. Any account that can not be fully verified should be corrected or removed. 

XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX I do not recall authorizing this inquiry and request that Experian verify it or remove it if it can not be confirmed. 

Late Payment Reporting I dispute the late payment history being reported on the following accounts : XXXX XXXX XXXX XXXX  Department of Education XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The late payments reported on these accounts are inaccurate, overstated, or do not reflect my actual payment history. I am requesting Experian investigate and correct or remove any late payments that can not be verified.

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 2025-12-28 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 disputing the following items on my TransUnion credit report. These accounts show inconsistent reporting compared to other bureaus, including creditor name variations, balance discrepancies, and unverifiable charged-off statuses. 

Charged-Off Accounts ( TransUnion ) XXXX XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$14000.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$4300.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$1900.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$230.00} XXXX XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX  / XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} Inquiries ( TransUnion ) XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payments ( TransUnion ) XXXX Acct : XXXX XXXX XXXX Acct : 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 2025-12-28 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: Veros Credit, LLC
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I have been using Western Union for over XXXX years to send money from the United States to my mothers bank account in XXXX. Until recently, I never experienced any problems. 

However, my last XXXX transfers were placed on hold without any clear reason. For the most recent transfer ( MTCN : XXXX ), Western Union requested additional information regarding my country and city of birth. 

I provided the requested information exactly as instructed through id.wu.com XXXX separate times. Despite this, the transfer remains on hold, and I have received no resolution or meaningful response from Western Union. 

This delay has caused serious hardship. My mother urgently needed this money for essential expenses, and Western Unions failure to process the transfer or communicate properly has created significant financial and emotional distress. 

I believe this delay is unreasonable and the lack of customer support and follow-up is unacceptable. I am requesting that Western Union immediately release the transfer or refund the funds without further delay, and provide a clear explanation for why this issue occurred after years of problem-free transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint after reviewing my Equifax credit report and identifying multiple items that are inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure maximum possible accuracy and conduct a reasonable investigation of any disputed information. 

Charged-Off / Negative Accounts BANKRUPTCY XXXX XXXX. XXXX Filed XX/XX/XXXX XXXX {$0.00} XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX {$4500.00} XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX {$590.00} XXXX  XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX {$0.00} XXXX  XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} ( duplicate ) XXXX  XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX  XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} ( duplicate ) XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX {$470.00} Several of these accounts appear duplicated, outdated, or inconsistently reported. I am disputing the accuracy, completeness, reporting status, and verification of each account listed above. 

XXXX XXXX XX/XX/XXXX I do not recall authorizing this inquiry. If Equifax can not provide proof of permissible purpose, it must be removed. 

Late Payment Reporting XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payment notations do not accurately reflect my payment history and must be verified or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I applied for a credit card with Barclays on XX/XX/year> from a branded partner offer page with XXXX XXXX XXXX on the Barclays website ( XXXX XXXX XXXX XXXX ). I found the offer from a banner ad on the XXXX XXXX XXXX website ( XXXX XXXX XXXX ). I completed the qualifying activities as outlined on the terms and conditions page linked on the offers page ( XXXX XXXX XXXX XXXXXXXX ) within 90 days, but never received the XXXX points. I have called twice ( XX/XX/year> and XX/XX/year>XXXX  ) and chatted online ( XX/XX/year>XXXX  ) but each time, the company says they can not " find '' the offer on my account and will not fulfill it. I have sent them proof of the website I applied through, and they only say that the offer must not have been live when I applied, even though I applied through the direct offer link. They have refused to take my case any further and refuse to admit an error could have occurred through my sign up process on their end that caused the offer not to be fulfilled properly.

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 2025-12-28 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: IL

Complaint narrative:
I am filing a complaint regarding an unauthorized credit inquiry from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) that appears on my TransUnion credit report ( also shown through credit monitoring services ). I do not have an account with XXXX XXXX XXXX XXXX, I did not apply for any loan/credit, and I did not give permission for them ( or any third party ) to access my credit file. 

After noticing the inquiry, I contacted TransUnion and was told there were no inquiries showing at that time ; however, I later received alerts indicating an inquiry was placed on my file and my credit score decreased. I also have an active security freeze on my TransUnion profile and still believe this inquiry was added without my authorization.

This unauthorized inquiry is inaccurate, harmful, and may indicate identity theft or improper access to my consumer report. I am requesting that XXXX XXXX XXXX XXXX provide written proof of my authorization ( a signed application, permissible purpose documentation, and the method used to verify identity ) and that they immediately request deletion of this inquiry from all consumer reporting agencies. ive also attached proof that this has been added to my credit report as of XX/XX/year> with screenshots from XXXX XXXX XXXX XXXX XXXX XXXX and also the TransUnion app as well and each time I call theyre telling me they cant find the XXXX inquiry but its showing me in four different credit profile checks and even on TransUnion app

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 2025-12-28 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: CA

Complaint narrative:
I am disputing several inaccurate charged-off accounts appearing on my Equifax credit report. 

Charged Off Accounts in Dispute : XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$1300.00} XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$0.00} XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$1100.00} XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$560.00} XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$0.00} There appear to be duplicate entries under different account numbers for the same creditor ( XXXX XXXX XXXX. I request that Equifax verify each account with the original creditor and remove any inaccurate, incomplete, or unverified entries. 

XXXX XXXX Accounts in Dispute : XXXX  Account # XXXX I request verification of the late payment reporting and supporting documentation from the creditor. If Equifax can not obtain verification within the legally required timeframe, this late payment should be deleted. 

There are currently no inquiries listed under Equifax in this submission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: HONOLULU HOMELOANS, INC.
State: GA

Complaint narrative:
Any level of racism in the banking or mortgage process is no ok! Enough is enough.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 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: IL

Complaint narrative:
I am submitting this complaint regarding TransUnions failure to comply with its mandatory fraud-blocking obligations under the Fair Credit Reporting Act ( FCRA ). 
The accounts, inquiries, addresses, and phone numbers listed below were not opened by me, were not authorized by me, and are the result of identity theft. I submitted multiple FTC Identity Theft Reports, which meet the statutory definition of an Identity Theft Report under 15 U.S.C. 1681a ( q ). 
Despite receiving this documentation, TransUnion has continued to report fraudulent information on my credit file. Identity theft victims frequently discover fraudulent activity after accounts have existed for some time, and Congress enacted 15 U.S.C. 1681c-2 specifically to prevent consumer reporting agencies from using this type of reasoning to deny mandatory fraud relief. 
Upon receipt of a valid identity theft report, TransUnion is required to block the reporting of information resulting from identity theft within four ( 4 ) business days. No statutory exception applies here. 
This complaint is not a request for reinvestigation under 15 U.S.C. 1681i. It concerns XXXX failure to comply with mandatory fraud-blocking requirements. 

Fraudulent Accounts ( from FTC Identity Theft Reports ) 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

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 2025-12-28 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information appearing on my Experian credit report. I have reviewed my report carefully and found multiple charged-off accounts and credit inquiries that are either inaccurate, improperly reported, or not authorized by me. These items are negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian conduct a reasonable investigation and either verify the accuracy of these items with proper documentation or remove them from my credit report. 

Charged-Off Accounts in Dispute XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX BANK XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$250.00} XXXX CARD XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$910.00} XXXX XXXX XXXX XX/XX/XXXX {$220.00} XXXX  XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$160.00} Credit Inquiries in Dispute XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-28 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: CO

Complaint narrative:
I am disputing an unauthorized and unverifiable inquiry currently appearing on my Experian credit report. Experian has a legal obligation to ensure that all inquiries are supported by proper authorization and permissible purpose. 

Inquiries in Dispute XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry and have not received any documentation showing lawful consent. Experian must either provide evidence of permissible purpose or remove this inquiry immediately. Failure to do so is a violation of the Fair Credit Reporting Act.

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 2025-12-28 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: CA

Complaint narrative:
I am disputing information on my Experian credit report. At this time, there are no charged-off accounts listed under Experian in this dispute. I am requesting confirmation that no inaccurate or unverifiable charged-off accounts are being reported. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX is attempting to collect on a debt that is not mine. I have previously provided evidence that the phone used to open or create this account is not mine. When I alert XXXX XXXX Bank, they disregarded my evidence, verified it against identifiers that are not mine, and sold it to this debt buyer. The mailing address attached to this account does not exist. There is no XXXX record for the stated address. I am requesting XXXX to close this account and cease reporting this to credit reporting agencies. Please see evidence regarding the address and phone number attached to this account. It is clearly not mine.

Company response to consumer: Closed with explanation