vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I was instructed to return here and complain to the FCA Ombudsman. I filed a complaint with them about three weeks ago. They just figured out that the complaint is not in their Jurisdiction, even though XXXX and Barclay Bank are XXXX XXXX entities. The crime or fraud in the XXXX XXXX from the XXXX XXXX credit card was paid off. The XXXX employee did not close the account correctly, and it looked as if it were a DEBT. Paid Account was SOLD as A DEBT!! Has been fraudulently sold over and over as an UNPAID DEBT BY ME. For 15 years, I have spoken to DEBT Collectors that I do not OWE THIS DEBT. This entire process has been going on since XXXX. I have been harassed and disrespected by collection agencies. I have spoken to XXXX and asked them for help, rescind the collection on this FAKE DEBT, no help! I have filed complaints with CFPB, FTC, FCA, FDIC, and I will continue. The last collection agency was XXXX XXXX XXXXXXXX. I spoke to an agent, told him I did not owe THIS debt and that he should speak to XXXX at XXXX. It must have XXXX him off that I contacted the bank, for help. The collection agents are now harassing my family members, calling my niece, threatening her about contacting me, and leaving a message for my deceased stepfather, which really affected my ailing mother. My stepfather has been dead for over 18 years. No subpoena, just phone calls and constant harassment. I am extremely tired of the constant chaos caused by XXXX. They could recall the fake debt, no help from them!! I will continue to fight this! I have PAID XXXX twice, one to a fraudulent collection agency XXXX XXXX XXXXXXXX. I was trying to keep a descent credit score. I can not get my XXXX XXXX XXXX XXXX XXXX because of FAKE BANK DEBT hanging over my head.

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 2025-05-02 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: MA

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit report regarding late payments on my auto loan with Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX. 
Account number XXXX Account name XXXX XXXX XXXX, XXXX. 
Account number XXXX Account name XXXX XXXX XXXX, XXXX. 
Account number XXXX, Account Number. According to 15 USC 1681s-2 ( a ), furnishers are required to provide accurate and complete information to the credit reporting agencies. 
Upon reviewing my credit report, I noticed that late payments were reported on the following

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 2025-05-02 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: MA

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit report regarding late payments on my auto loan with Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX. 
Account number XXXX Account name XXXX XXXX XXXX, XXXX. 
Account number XXXX Account name XXXX XXXX XXXX, XXXX. 
Account number XXXX, Account Number. According to 15 USC 1681s-2 ( a ), furnishers are required to provide accurate and complete information to the credit reporting agencies. 
Upon reviewing my credit report, I noticed that late payments were reported on the following

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-02 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: OH

Complaint narrative:
On XX/XX/XXXX a XXXX XXXX credit card was opened and started reporting on my credit report. The balance of that account is {$22000.00} as of XX/XX/XXXX. That particular account is linked to an old address of mine. The address is XXXX XXXX XXXX, XXXX, XXXX  XXXX. The address hasn't been in use by me since XXXX before the account was even opened. I haven't lived in that area since XX/XX/XXXX. But the account was opened and is linked to that address. I am a victim of identity theft. Someone took advantage of my information and vacant address to get this account under me and misuse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
On XX/XX/XXXX a XXXX XXXX credit card was opened and started reporting on my credit report. The balance of that account is {$22000.00} as of XX/XX/XXXX. That particular account is linked to an old address of mine. The address is XXXX XXXX XXXX, XXXX, XXXX  XXXX. The address hasn't been in use by me since XXXX before the account was even opened. I haven't lived in that area since XX/XX/XXXX. But the account was opened and is linked to that address. I am a victim of identity theft. Someone took advantage of my information and vacant address to get this account under me and misuse it.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When I was under XXXX, I was unknowingly involved in a job application scam I found online. The scammers pretended to be a legitimate employer and had me go through what seemed like a normal hiring process. As part of the onboarding, they sent me a check and asked me to deposit it and then send a portion of the money to a XXXX  party, claiming it was for equipment or setup costs. I did not know this was a scam at the time, and I followed their instructions. The check later bounced, and I learned that the entire situation was fraudulent. I was still a minor, with little understanding of how scams like this worked, and I truly believed I was accepting a real job opportunity. Since this incident, I have been reported to XXXX  XXXX XXXX ( XXXX  ), and now I am being denied access to basic banking services. Ive tried to open accounts with multiple banks and have been rejected without a clear explanation or any guidance on how to resolve the issue. I only receive a vague reason code, with no clear method to cure or dispute the situation. I believe it is unfair to have my financial future impacted so heavily by XXXX mistake that happened while I was still a minor, especially when I was the victim of fraud. I am requesting that the CFPB look into this issue and urge XXXX  and the reporting bank to provide a transparent explanation and a path to resolution. No young person should be forced to live XXXX for falling victim to a scam beyond their control.

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 2025-05-02 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: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian regarding the inaccurate and misleading reporting of a judgment-related debt collection account. This account is listed under the original creditor XXXX XXXXXXXX XXXX and/or their legal representatives, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

First, the Date of First Delinquency ( DOFD ) on this account is being misreported. Based on the original lease ledger, my last valid rent payment occurred in early XXXX or at the latest by XX/XX/XXXX. However, the tradeline is being reported with an Opened date of XXXX and updated in XXXX, which is blatant re-aging in violation of FCRA 623 ( a ) ( 5 ). This misrepresentation falsely extends the credit reporting period and severely damages my credit standing. 

Second, Experian is allowing this account to show monthly late payments, which is improper for a static judgment debt. Once a judgment is entered, the debt is no longer a revolving or active account and should not reflect ongoing late payments. This is misleading and deceptive under the FCRA 607 ( b ) and the Metro 2 reporting guidelines. 

Third, this account was previously deleted or removed, yet it was reinserted without proper notice, which is a violation of FCRA 611 ( a ) ( 5 ) ( B ). I was never notified in writing within five business days that this account would be reinserted after a prior dispute and deletion. 

Fourth, I submitted a formal dispute and a fraud affidavit to Experian indicating that I did not authorize the reporting of this account in XXXXXXXX XXXX XXXX However, Experian failed to properly mark the account as disputed and allowed it to remain on my report without any correction. This violates FCRA 623 ( a ) ( 3 ).

Additionally, I recently contacted the courthouse and confirmed that the case associated with this judgment is still sealed and confidential, and I had no knowledge of the lawsuit or judgment until XXXX. This raises serious questions about the validity of service of process and whether XXXX XXXX obtained a lawful judgment in the first place. 

I am requesting : Full deletion of the tradeline associated with this account A thorough investigation into Experians acceptance of this inaccurate and misleading reporting Accountability for any reinsertion or failure to comply with dispute handling procedures

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 2025-05-02 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-05-02 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
I recieved a call from MOHELA in XXXX some time and i was able to get my loans deferred to a later date we spoke we agree and my account is at a XXXX balance a few days later my credit score dropped XXXX point on all credit bureaus even though Im not delinquent or late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
An account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is being reported on my Experian credit report as a charge-off for {$1800.00}. I did not authorize or open this account and believe it may be a case of identity theft or inaccurate reporting.

I previously disputed this account with the credit bureau and requested verification under the FCRA ( 15 U.S.C. 1681i ), but the furnisher failed to provide any proof that I opened or authorized the account. Continued reporting without verification violates FCRA Sections 602A and 607 [ 15 U.S.C. 1681e ( b ) ].

I am requesting the immediate removal of this account from my credit file and written confirmation. I also request any documentation XXXX XXXX has to show I opened this account, if it exists. 

Thank you for your assistance in resolving 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 explanation
Consumer complaint received 2025-05-02 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:
An account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is being reported on my Experian credit report as a charge-off for {$1800.00}. I did not authorize or open this account and believe it may be a case of identity theft or inaccurate reporting.

I previously disputed this account with the credit bureau and requested verification under the FCRA ( 15 U.S.C. 1681i ), but the furnisher failed to provide any proof that I opened or authorized the account. Continued reporting without verification violates FCRA Sections 602A and 607 [ 15 U.S.C. 1681e ( b ) ].

I am requesting the immediate removal of this account from my credit file and written confirmation. I also request any documentation XXXX XXXX has to show I opened this account, if it exists. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-05-02 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of student loan accounts associated with XXXX on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act.

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 

Disputed Accounts : XXXX Account : {$3500.00} Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers.

2. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, which requires federal contractors and loan servicers to safeguard borrowers ' information.

3. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational records.

Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile.

Requested Resolution : I formally request that Experian 1. Immediately remove all references to these student loan accounts from my credit report.

2. Provide written confirmation of the removal within 30 days.

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 2025-05-02 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-02 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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