vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
I am requesting the removal of multiple closed accounts that remain on my credit report. These accounts are no longer active and either were paid in full, included in bankruptcy, or closed several years ago. They are not reflective of my current credit status and are negatively impacting my score. 

I contacted the credit bureaus and asked for these accounts to be removed under the Fair Credit Reporting Act ( FCRA ), but they failed to take corrective action. Some of these accounts include : 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 

I am requesting that these outdated, closed accounts be removed or suppressed from my credit profile.

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RANGE CREDIT BUREAU INC
State: MN

Complaint narrative:
I had done a stretch of XXXX  time between XXXX  and XXXX. When I got out I have all these debts. I called the card companies and told them I had not taken credit out while I was gone and it's public knowledge I was gone. They treated me like I was a liar. Then they sold my debt to range credit bureau. They got a judgement and are garnishing my wage. I was told they had fraud investigators and would take care of this. Instead I have been harassed and basically robbed. I don't know what the XXXX plus I'm being garnished for is from honestly. I know I never owed money like this in my life and it's breaking me trying to pay for it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing this complaint because Capital one has reported a closed account under my Social security number to XXXX, even though this account should be reported under my ITIN.

I have previously informed both Capital One and XXXX  that they are furnishing and reporting inaccurate information under my SSN instead of my ITIN. Despite this, they continue to report the account incorrectly, which is hurting my credit score and causing me to be denied for loans and bank accounts.

This violates the Fair Credit Reporting Act ( FCRA ) because they are failing to ensure maximum possible accuracy of the information reported. I have made good faith efforts to fix this by providing the correct information multiple times. 

I am requesting that XXXX correct my credit file by removing the account from my SSN credit file immediately and ensure that it is only tied to my ITIN as appropriate.

I want to make it clear that I take this matter very seriously and will not hesitate to purse all my rights under the Fair Credit Reporting Act ( FCRA ) if this is not corrected immediately.

I am prepared to escalate this legal action, including filing complaints with state and federal regulators and taking this small claims court if necessary to protect my rights and prevent further harm to my credit and finances. below are my complaints i have already made against XXXX through Cfpb. 

XXXX XXXXXX/XX/year> complaint id- XXXXXXXX XXXX XXXXXX/XX/year> complaint id- XXXX This is my final attempt to resolve this issue directly. If it is not corrected immediately, I will move forward with legal action without any further notice. Given that I already made multiple good faith attempts, I am providing you with 15 days from receipt of this complaint to correct this issue in full. I will not wait 30-60 days. If it not corrected within this timeframe, I will proceed with legal action without any further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-06-29 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: AR

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$19000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: NJ

Complaint narrative:
I am submitting this complaint due to a vehicle loan exchange denial by Carvana, based on inaccurate internal information reported by its servicing partner, XXXX. 

I exercised Carvanas XXXX XXXX XXXX for a vehicle of the same price and lender terms. However, Carvana denied the exchange citing an internal system flag that shows an outstanding balance on a loan that was previously discharged in XXXX  XXXX bankruptcy on XX/XX/year> and subsequently paid in full. 

A three-way call with XXXX confirmed XXXX the account reflects a {$0.00} balance, yet Carvana refuses to approve the exchange due to outdated information in their internal APO system. Despite the loan being satisfied, the vehicle exchange was denied. I was asked to reapply and provide new financial documents, even though this was not a new credit application. 

I believe this violates the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and Section 524 of the U.S. Bankruptcy Code. 

I request the CFPBs help in ensuring both companies correct their systems to reflect the accurate loan status and honor the terms of the originally approved exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a Checking account as part of the XXXX XXXX XXXX XXXXXXXX - up to {$450.00} bonus if I deposited {$8000.00} or more. I have not received the XXXX dollar bonus. The account was opened in XX/XX/. I have called three times now, the most recent being on XX/XX/XXXX. Every call they said they would be applying the promotion and I would receive my XXXX dollars. I still haven't received my XXXX dollars.

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 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
I disputed a XXXX charge with a company called XXXX. They took an unauthorized charge and it has been almost 2 weeks now. I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-06-29 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: OH

Complaint narrative:
I am writing to formally dispute certain information in my credit file that I believe is the result of identity theft. I did not open or authorize the accounts listed below and am requesting, under the Fair Credit Reporting Act ( FCRA ), that these fraudulent items be blocked or removed from my credit report. 

I am a victim of 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 non-monetary relief
Consumer complaint received 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have student loans accounts on my credit reports that exceeds the legally allowed reporting period. According to the FCRA most negative information including student loans should not be reported after 7 years. dates 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 explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I noticed fraudulent withdrawals from my PayPal account to an external account I did not own. I reached out to PayPal to dispute the transactions which were open and closed in less than an hour. After a third happening I reached out to support. Another dispute was then open and closed within the hour. After a talk with support it was recommended I reach out to my mobile carrier and run a XXXX  check on my phone. After this was completed XXXX found my phone was in fact infected with malware mimicking my device and monitoring my activity. As instructed by PayPal I submitted the document to support an appeal. PayPal then refused to open an appeal, even after being told by their own staff that I would be able to. PayPals overseas chat support has no actual understanding of the issue as they only respond is copy and paste generic responses making no attempt to solve the issue, charge back the fraudulent card used, and return my funds.the account in question was under the email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NY

Complaint narrative:
This letter serves as formal notice of my intent to file a lawsuit against Experian Information Solutions , Inc. for willful and/or negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., due to your repeated failure to conduct a reasonable reinvestigation of disputed information regarding a XXXX XXXX charge-off account ( Account XXXX. XXXX ). 

I submitted multiple disputes to Experian concerning the accuracy of this account. However, the account continues to be reported as verifiedwithout any documentation, explanation, or investigation results being provided. My dispute is based on the following facts : I was out of the country at the time the vehicle was repossessed. I was never informed of the resale amount and have no confirmation of how much was applied to the loan balance. 
The balance Experian continues to report is inaccurate and unverifiable, likely not reflecting the proceeds from the repossession sale. 
Several dates reported on the accountincluding last payment date, delinquency date, and charge-off dateappear to be incorrect or in conflict with my records. 
Despite these concerns, Experian has not provided a meaningful reinvestigation, in violation of its obligations under the FCRA. 

These actions constitute clear violations of the following provisions of the Fair Credit Reporting Act : 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 description of the verification process ; 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete or correct inaccurate or unverifiable 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 2025-06-29 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$54000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) as 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
The debt collector LVNVFUNG engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Also, the proper 5 step validation procedure wasnt followed. Which makes this unfair practices, according to the FDCPA Im entitled a XXXX dollars per violation and obviously they violated my rights. These false allegations have made my life hard because I was denied credit cards, home and car loan to get to work and so I wont be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint due to Experians complete failure to respond to two certified disputes involving FCRA violations, data conflicts, and unauthorized credit access despite confirmed delivery of both letters. 


-- - Detailed Timeline of Events XX/XX/year> I mailed a formal dispute to Experian via Certified Mail Tracking # : XXXX XX/XX/year> Dispute was delivered and signed for at Experian 's XXXX XXXX XXXX XXXX XXXX  XX/XX/year> I mailed a Final Demand for Compliance and Deletion Tracking # : XXXX XX/XX/year> Final Demand was also delivered and signed for -- - Ongoing Violations Despite both notices being received : Experian did not mark the account ( s ) as disputed, violating FCRA 623 ( a ) ( 3 ) No reinvestigation or communication was issued, violating FCRA 1681i Conflicting ownership was reported between XXXX and XXXX XXXX on the same debt Unauthorized inquiries by XXXX XXXX XXXX, XXXX, and XXXX  appear on my file, violating FCRA 604 ( a ) and 604 ( f ) Experian allowed these inquiries without a permissible purpose and without any account relationship The report still contains negative items I disputed including inaccurate balances, duplicate collections, and charge-offs with unresolved histories XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX -- - Evidence on Record Both letters included the following : XXXX XXXX XXXX XXXX ( Exhibit A ) Conflict documentation between XXXX and XXXX XXXX ( Exhibit B ) XXXX  XXXXXXXX XXXX XXXX ( Exhibit C ) Transportation hardship documentation ( Exhibits XXXX ) Snapshots of inaccurate tradelines ( Exhibits XXXX ) List of unauthorized soft and hard inquiries ( Exhibits XXXX ) USPS tracking and delivery confirmations ( Exhibit H ) -- - Requested Action by CFPB I am requesting the following : 1. Immediate investigation into Experians failure to act on both certified disputes 2. Confirmation that all disputed accounts are flagged appropriately 3. Full deletion of all accounts that remain inaccurate or unverifiable 4. Removal of all unauthorized hard and soft inquiries 5. Referral for potential enforcement, given Experians pattern of noncompliance

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I gave the company I phone call in an attempt to validate a debt I gave them my name and account number I have from my credit report and requested the purchase agreement, payment history, original debt, assignment of ownership. This is all for separate account for the amounts of {$580.00}, {$190.00}, {$910.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MI

Complaint narrative:
On XX/XX/year>, I filed some disputes due to accounts reporting inaccurate information in across all ( 3 ) three credit agencies violation of the FCRA. Instead of properly investigating my disputes. The Credit Agency verified the inaccurate information on XX/XX/year>. The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are reporting inaccurate information between the credit agencies. On XX/XX/year>, I requested to be provided with the procedures used to verify these accounts, along with the name and addresses of the person contacted. In late XXXX, the Agency again failed to comply with my request. It rubber-stamped all it's alleged findings. Yet, failed to provide me with the proof I requested in my XX/XX/XXXX dispute letter.

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