vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: LA

Complaint narrative:
i disputed the inaccurate XXXX XXXX XXXX account because it contains false and outdated information. i submitted a formal dispute to Experian and requested permanent deletion. despite my dispute, Experian continues to report inaccurate, incomplete, and outdated information regarding this account, causing harm to my creditworthiness.

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 2025-04-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing regarding my previous dispute submitted on [ insert date of your first letter ] concerning multiple inaccuracies on my credit report ( Report XXXX : XXXX ). Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation and promptly delete any information that can not be properly verified. 

To date, you have either failed to provide me with valid documentation supporting the continued reporting of these accounts or have issued a blanket verified statement without producing the actual records of verification. This is a direct violation of my rights under FCRA 611 ( 15 U.S.C. 1681i ). 

Additionally, I am disputing several unauthorized credit inquiries appearing on my report. I did not initiate, authorize, or consent to these inquiries. Under FCRA 604 ( 15 U.S.C. 1681b ), consumer reporting agencies must ensure that all inquiries were made for permissible purposes and with the consumers consent. Failure to validate these inquiries requires their immediate removal.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX  XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$620.00} COLLECTION ( Original Creditor : COLLECTION ) XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-04-26 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: DISCOVER BANK
State: TX

Complaint narrative:
Fraudulent Account Details and Discovers Inaction Fraudulent Account Opened : XX/XX/XXXX Fraudulent Amount Charged : {$1200.00} Fraud Discovered : XX/XX/XXXX Actions Taken : o Submitted fraud complaints to Discover and all three credit bureaus. 
o Completed a police report with the XXXX Police Department ( XXXX # XXXX ). 
Discovers Responses : o XX/XX/XXXX XXXX : " Account and balance found valid. '' o XX/XX/XXXX XXXX : " Account and balance found valid. '' o XX/XX/XXXX XXXX : " Account and balance found valid. '' Status : o Account charged off by credit bureau as of XX/XX/XXXX. 

Summary of Discovers Failures : Despite overwhelming proof the account was fraudulently opened in Georgia a state where I have never lived, worked, or conducted any business Discover has repeatedly refused to recognize the fraud. I provided extensive documentation, including continuous XXXX transaction records from XXXX to the present, clearly showing I could not have opened or used the account. 
Discovers fraud " team '' is effectively non-existent. Customer service agents admit they can not directly contact fraud investigators, nor even identify who they are. They simply " send messages '' into a XXXX hole with no way for the consumer to escalate or resolve the situation. Multiple calls and document submissions have resulted in no meaningful action by Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one sold this account to XXXX XXXX and they are still appearing on my credit account when they have sold the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: ID

Complaint narrative:
On XX/XX/XXXX, I disputed XXXX student loan accounts with TransUnion and Equifax. All of these loans were reported as delinquent and my credit score dropped XXXX points. The loan provider, XXXX, was contacted and forbearance was approved on XX/XX/XXXX and I received a letter stating all accounts were in good standing. On XX/XX/XXXX, I received another letter from XXXX stating that ALL accounts on current and in good standing and NOT in default. On XX/XX/XXXX, my credit score dropped again, due to TransUnion and Equifax denying my disputes, and all XXXX loans are showing delinquent on my credit report. Even under the status of each loan listed in my TransUnion account, the loan status sayd " current ''. On XX/XX/XXXX, I called XXXX again and confirmed NO loans are in default and they did not report it to any credit bureau. 
All of these loans should be removed immediately due to the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX, I disputed XXXX student loan accounts with TransUnion and Equifax. All of these loans were reported as delinquent and my credit score dropped XXXX points. The loan provider, XXXX, was contacted and forbearance was approved on XX/XX/XXXX and I received a letter stating all accounts were in good standing. On XX/XX/XXXX, I received another letter from XXXX stating that ALL accounts on current and in good standing and NOT in default. On XX/XX/XXXX, my credit score dropped again, due to TransUnion and Equifax denying my disputes, and all XXXX loans are showing delinquent on my credit report. Even under the status of each loan listed in my TransUnion account, the loan status sayd " current ''. On XX/XX/XXXX, I called XXXX again and confirmed NO loans are in default and they did not report it to any credit bureau. 
All of these loans should be removed immediately due to 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
I am writing under the rights granted to me by Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ). It has come to my attention that First Advantage has shared or disclosed my consumer information to one or more employers or third parties without my knowledge or written consent.Under the FCRA, I have the right to : Know what information is being reported about me ; Know who has accessed or requested that information ; Challenge any unauthorized or inaccurate reporting. request the following : A complete copy of my consumer report/file that you have on record, including all data collected or reported.A list of all third parties, employers, or entities that have accessed my information, including names, contact information, and the date of each inquiry.The source ( s ) of the information you have on file about me.Proof of my authorizationincluding any signed documentgranting First Advantage permission to share my consumer information with any employer or third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. 

The consumer reporting agencies need to report all information with complete accuracy. 

This account isnt on my XXXX  or XXXX  credit report. Please remove this fraudulent account. 

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 2025-04-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay ban allowed someone to apply for an XXXX XXXX card with my personal information on XX/XX/year>

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 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding a collection account reported by LVNV Funding LLC, which I believe is not mine. Despite my best efforts to resolve this matter directly with LVNV Funding LLC and the three major credit bureaus, they continue to report the debt on my credit report without providing proper verification or resolution. 

To summarize my actions to resolve this issue : 1. I sent LVNV Funding LLC and all three credit bureaus ( XXXX XXXX XXXX XXXX ) certified mail requests asking them to verify the validity of the debt in question, which amounts to {$660.00}. 
2. I provided LVNV Funding LLC and the credit bureaus with a police report confirming that the debt is not mine. 
3. Additionally, I submitted my IRS identity affidavit to LVNV Funding LLC and the credit bureaus, clearly stating that the debt does not belong to me. 

Despite this evidence, LVNV Funding LLC has responded only by stating that they have verified the debt, but they have failed to provide any details on how the debt was verified. This lack of transparency is troubling, especially in light of the supporting documentation I have provided. 

Furthermore, the credit bureaus have failed to remove the collection account from my credit report, despite my repeated disputes, which have been sent by certified mail. The collection remains on my credit report, and I continue to be harassed by LVNV Funding LLC over a debt that is not mine. 

I believe that my rights are being violated, as I am being subjected to harassment over an unverifiable and incorrect debt. I respectfully request your assistance in investigating this matter and ensuring that LVNV Funding LLC and the credit bureaus take the necessary steps to remove the inaccurate collection entry from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This company closed my account without authorization, I made XXXX payments by mistake and called the bank to cancel the payment, since both payments were made to the same company XXXX  cancelled both payments, I called barclays card and informed them i had made a mistake a few days later they closed my account. 

Since the bank made a stop payment i had to reinstate barclays XXXX for payments that was the reason all payments under the payment plan were cancelled .. That is the reason I have been making my own payments on their website but for some reason they are reporting my account as delincuent. So not only did they close my account without authorization they are also reporting my account as delinquent

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute letter directly to Barclays Bank regarding an inaccurately reported account. 

In response, Barclays attempted to verify the disputed account by providing an unrelated JetBlue Card application. This application has no connection to the disputed account. Using documentation from a different product/account does not fulfill the requirement of a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the account is being reported inconsistently and inaccurately across all three major credit reporting agencies : On XXXX, the account is reported as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XXXX the account is reported as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XXXX  the account is reported as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inconsistencies in the reported account numbers are violations of XXXX XXXX data reporting standards, which require uniformity and accuracy across all consumer reporting agencies. 

Further inconsistencies include : XXXX XXXX XXXX report the account as Closed, while XXXX reports it as Open. 
XXXX  categorizes the account as a XXXX XXXX Credit Card, while XXXX XXXX XXXX categorize it as a Credit Card. 
The Date Opened differs : XXXX  reports XX/XX/XXXXXXXX XXXX reports XX/XX/XXXX. 

By continuing to furnish inaccurate and unverifiable information, Barclays is violating : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation. 
15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a valid Method of Verification ( MOV ). 
15 U.S.C. 1681s-2 ( b ) : Failure to correct or delete inaccurate information after notice. 
Metro 2 Compliance Standards : Furnishing inconsistent and inaccurate information. 

This inaccurate reporting is damaging my creditworthiness and continues to cause financial 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 2025-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Block, Inc.
State: TX

Complaint narrative:
cash app data breach. my boyfriend was the only that has access to my personal info please help. I need help!! 2 accounts have been compromised, {$600.00} no actions were taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc
State: TX

Complaint narrative:
There are 2 companies reporting housing one with the wrong social and the other has sold their company and stated they do not have any previous files to show that I owe any debt to them and that everything was disguarded from the previous owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX EQUIFAX To Whom It May Concern, Account : XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 

You are reporting this collection as an open account which is not under FRCA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed. I have attached a copy of my credit report that Equifax pulled online dated XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the reinstatement of fraudulent accounts on my credit report. These accounts were previously disputed and subsequently removed due to their fraudulent nature.It is a violation that these items were put back on my report. Their reinstatement without proper investigation and certification violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : which was also a violation due to a previous data breach! 

1. Section 611 ( a ) ( 5 ) ( B ) : Prohibition on Reinserting Previously Removed Information Under the FCRA, credit reporting agencies are prohibited from reinserting information previously deleted unless : The furnisher certifies the accuracy and completeness of the information. 
The credit bureau notifies the consumer within XXXX business days of the reinsertion. 
As of this writing, I have received no such certification or notification regarding the reinstatement of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX ban allowed someone to apply for an XXXX XXXX card with my personal information on XX/XX/year>

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