vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I am disputing a XXXX XXXX  credit card tradeline reported on my credit file. In summer XXXX, my phone and wallet were stolen, leaving me unable to access or manage my account. XXXX later charged off the account and sent it to multiple third-party XXXX. When I requested validation, XXXX only provided partial documentation ( page XXXX of the application and a few statements ), which does not fully establish accuracy or ownership. Because the reporting is incomplete and potentially inaccurate, I am requesting that this tradeline be removed or corrected to reflect Paid/Closed without derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Incorrect Personal Information on Credit Report Dear Equifax, I hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be inaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that were not authorized by me. I kindly request your assistance in investigating and rectifying these discrepancies. 
Below are the items which I am disputing : 1. Please update and remove this incorrect name from my credit report immediately. My correct name is XXXX XXXX XXXX XXXX. 
XXXX XXXX 2. Please remove this incorrect address from my credit report immediately. My correct current address is XXXX XXXX XXXX XXXX XXXX, California XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> I request that you conduct a thorough investigation into these matters and provide me with the results at your earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I kindly request the removal of these items from my credit report. 
I understand that you have 30 days to investigate and respond to my dispute, as stipulated by the Fair Credit Reporting Act ( FCRA ). Your prompt attention to this matter is appreciated. 
Please send me written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BARCLAYS BANK DELAWARE 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 2025-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Skrill USA, Inc.
State: IA

Complaint narrative:
On XX/XX/2025 I went to log into my Skrill Account via the app on my phone, it told me to reset my password so I did that as a matter of fact I had to do it 6 times, finally it said that my account was restricted, no warning no nothing, and I cant even log into my account to see what is going on with it. So I called Skrill and was told not to worry that what is happening with my account is the normal audit process, no that was not the case the next day I received an email stating that my account was closed due to fraudulent activity, not telling me what that was, but saying that the decision was final, so I sent an email asking for my money that was in my account before they closed it and I received an email back on XX/XX/2025 ..,,,,,,,,,,, Dear XXXX XXXX XXXX Further to your query, this is to inform you that the balance of your account is currently not available for refund as the account is under review. 
Thank you for understanding. 

Kind regards, XXXX XXXX XXXX XXXX. 
I have over {$800.00} in my account, I need my money to pay for my prescriptions please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian reported wrong information to my credit report under the account Indiana XXXX XXXX in the amount of {$12000.00}

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Heritage Financial Group, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit file. The account in question is listed under XXXX XXXX XXXX ( Account XXXX. ending in XXXXXXXX XXXX XXXX XXXX XXXX ). 
My credit report shows this account as having a charge-off status in XXXX and XX/XX/year>, despite the remarks indicating Paid in Full/Was a Charge-off. This is contradictory and misleading, as an account that is paid in full should not continue to reflect a charge-off status in subsequent months. 
I request that this account be reviewed and corrected to accurately reflect its true status. Specifically, I am asking that the charge-off notation be removed for XXXX and XX/XX/year> and that the account be updated to show it as Paid, Closed with no derogatory payment history beyond the closure date. 
Please conduct an investigation of this matter as required under the Fair Credit Reporting Act ( FCRA ). Once completed, kindly provide me with written confirmation of the corrections made to my credit file. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally report Transunion 's failure to address my dispute regarding inaccurate personal information on my credit report, originally submitted on XX/XX/year>. Despite providing valid proof of my identity, including a government-issued ID, utility bill, and Social Security card XXXX Transunion has not removed the erroneous XXXX XXXX XXXX, XXXX, NY XXXX XXXX and XXXX XXXX XXXX, XXXX, NY XXXX XXXX not XXXX to me and have never been part of my residence history. This inaction raises serious concerns about Transunions compliance with the Fair Credit Reporting Act ( FCRA ), which requires timely and thorough investigation and correction of disputed information.

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 2025-10-03 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:
This account has been mistakenly attached to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending to dispute the accuracy of the following accounts currently reported under my credit file : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} Date Opened : XX/XX/year> XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} Date Opened : 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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I received a call from a toll free number after XXXX. I receive text messages and phone calls all throughout the day and evening, and now they call at night as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These errors misrepresent my credit history and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these items. 
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 Owed : {$0.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1400.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} Date XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been locked out my account. I have provided the correct password to rectify the situation, the password which allows me access to the app, and been told the password is incorrect. I have contacted them repeatedly about this issue with no help. I have a pending transaction that they have withheld. They are holding my money hostage I would appreciate help resolving this since they refuse to help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Equifax,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please update and remove this incorrect name from my credit report immediately. My correct\nname is XXXX XXXX XXXX XXXX XXXX Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is 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 XXXXI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that I believe to be incorrect. It's important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. I'm reaching out to you today because I'm concerned that this matter has not been handled properly. However, I believe that we can resolve this issue promptly and without any escalation. Therefore, I respectfully ask that you provide me with an updated credit report within the next 30 days. If the information is inaccurate, I ask that you remove it from my report. I appreciate your assistance in this matter and look forward to receiving your response. 
XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-03 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have disputed this debt several times. The response is that it meets the FCRA standards. XXXX  and Resurgent/LVNV Funding failed to do any sort of investigation and provide any accurate evidence that the debt is mine. 
This has caused financial hardship along with being denied car and home loans due to their negligence. 
I will be filling a lawsuit seeking damages caused by their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
Equifax is reporting inaccurate and derogatory accounts in violation of FCRA 602A, 604, 607 ( b ), and 609 : XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX {$10000.00} Charge-off/Collection. * * Fair Collections & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$27000.00} Collection. * * Equifax is failing to maintain maximum possible accuracy and continues to report disputed, unverifiable debts without providing validation.

Company response to consumer: Closed with explanation