vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
Im deeply concerned that these inaccurate accounts are still appearing on my credit report and have not been removed. Im begging that my attached documents be reviewed carefully so I can finally have peace of mind and stop living with this constant XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-01 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: IL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I initiated a dispute with XXXX to formally dispute a transaction involving the purchase of a skincare device on XX/XX/year>, The merchant has repeatedly misrepresented the status of my order and refund from XX/XX/year> - XX/XX/year>, and I am requesting that my claim remain open and that I be refunded in full. 

At the time of purchase on XX/XX/year>, the merchant overcharged me and claimed to have initiated a refund, which I never received. Despite multiple follow-ups, they failed to resolve the issue and instead attempted to upsell me additional merchandise, which I declined. My sole request has consistently been to receive either the correct product or a full refund. 

The merchant informed the credit card company that I received merchandise at the time of purchase. This is categorically false. As clearly shown in my supporting documents, the merchant stated they would mail the item to me because I was about to board a flight and they did not have the product in stock. This directly contradicts their claim and further demonstrates their pattern of dishonesty. 

When the package finally arrived, it contained a completely different item than what I paid for. The product was visibly used, unsanitary, and unacceptable for personal skincare use. Upon notifying the merchant, they advised me to discard the item, which I did. I would never apply a previously used skincare device to my skin. 
The merchant then promised to send a replacement device, which I never received. They also offered to wire my refund, as documented, but failed to follow through on that commitment as well. 

This conduct is deceptive, unethical, and constitutes fraud. The merchant has not honored the terms of the sale, has misled both me and the credit card company, and has taken advantage of my trust. I respectfully request that my claim remain open and that I be refunded the full amount paid of about {$7600.00}, which I never agreed to. 
Thank you for your attention to this matter. 

My latest communication with the merchant and XXXX XXXX  as of XXXX XXXX, XXXX  - shows no resolve or refund. 

This is a violation of my consumer protection for Regulation XXXX ( Truth in Lending Act ), Fair Credit Billing Act, and Breach of Contract or Negligence. 

Note : Ive uploaded the XXXX conversation thread and I can also provide all the screen shots of the entire conversation if needed. 

Sincerely, XXXX XXXX XXXX XXXX Purchase Date : XX/XX/year> 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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclays XXXX  XXXX  XXXX has employed XXXX XXXX as a debt collection service. Barclays XXXX  XXXX  XXXX has falsely reported the amount I owe them, has reported this information to the credit bureaus, subsequently driving down my XXXX XXXX and submitted this debt to the courts. I have spoken with XXXX XXXX in XX/XX/XXXX and explained in full that I sent the XXXX  card statements with the circled fraudulent transactions, copies of my bank statements, the XXXX  XXXX police report filed with the XXXX Precinct in XXXX ( now a XXXX report for identity theft filed in Pennsylvania on XX/XX/XXXX for identity theft ), the mail fraud report number and the criminal record of the individual primarily responsible for my identity theft. The charges on the card - XXXX XXXX  are directly tied to my identity theft. I have paid between XXXX - the length of time I had the XXXX XXXX and Banana Republic Rewards cards, both issued by Barclays Credit Card XXXX XXXX {$19000.00}. I had paid the XXXX XXXX card off in full in XX/XX/XXXX. Barclays and XXXX XXXX continue to report false information to all XXXX credit bureaus including not reflecting payments made in XXXX and XXXX of XXXX. I have received phone calls from XXXX XXXX but they do not leave voicemails or provide written updates regarding the investigation of my case. I have asked for full transparency and they refuse to provide 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX COUR-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
Please act in line with 15 U.S. Code 1681g and delete all disputed entries accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-01 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-01 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: SC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} Derogatory collection Open Date opened XX/XX/XXXX XXXX {$1200.00} student loan Open Date opened XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} Derogatory collection Open Date opened XX/XX/XXXX XXXX {$1200.00} student loan Open Date opened XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} Derogatory collection Open Date opened XX/XX/XXXX XXXX {$1200.00} student loan Open Date opened XX/XX/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 2025-10-01 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: CO

Complaint narrative:
Barclays Bank Delaware received a fraudulent application for a XXXX credit card in my name on XX/XX/XXXX. They declined the application. 
I was advised of this by XXXX credit monitoring due to a previous attempted fraudulent application submitted to XXXX XXXX in XXXX. 
I spoke with XXXX XXXX  on XX/XX/XXXX and confirmed the account was not opened and requested a copy of the application for my records. Barclays confirmed the address on the application is a former address in XXXX, AZ. I was transferred to a supervisor named XXXX who advised me to send a written request to XXXX  XXXX, XXXX XXXX XXXX, XXXX, DE XXXX and that my request would be fulfilled within XXXX  days. I needed to include my name, mailing address, signature and their XXXX ID XXXX. 
I mailed my request on XX/XX/XXXX. To date I have not received the requested document. 
Today I followed up by phone as to the status of my request. 
I was eventually transferred to XXXX XXXX who, after XXXX hours on the phone, advised they have no record of my request, have no other way for me to send a request to them, no fax XXXX, no email, etc and I should send the request again. This time I was given a time frame of XXXX XXXX days with no method of tracking my request. 
I find this to be unacceptable as I have already complied with their request and now their time frame is changing and it will be approximately XXXX  months in total before they comply with my request since I was the victim of the original fraud attempt. I am sadly disappointed that the only process to accommodate fraud victims provided by Barclays is a business practice from approximately 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 2025-10-01 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Hello- XXXX XXXX XXXX are reporting to XXXX  XXXX  XXXX that I have an open account with them. The fact of matter is the vehicle was voluntarily repossessed due to manufacturing issues, and sold again. This issue is damaging to my XXXX XXXX, and Ive asked XXXX XXXX XXXX for it to removed from my XXXX  credit report over XXXX  times now. I spoke with a representative, and the gentleman stated that it would be removed from my credit report in XXXX. It is now XXXX, and extremely damaging to my XXXX XXXX and I can not apply for a lease with this derogatory remark on my credit report. The loan amount is {$7800.00}, vehicle was back it the companies possession in XXXX. The representative also stated that the vehicle was sold after repairs, so my issue is why is still on my XXXX credit report. Also, I havent received any documentation in the mail as promised. Can CFPB please help with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
Closed Accounts Dispute Subject : Request for Removal of Inaccurate Closed Accounts Dear Credit Bureau, I am disputing several closed accounts that should no longer be reported on my credit file. 
The FCRA requires that reports contain only accurate and relevant information. 
I request the removal of all obsolete or inaccurately reported closed accounts. 
-Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX -Account Name : XXXX  XXXX Account Number : XXXX -Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number : XXXX -Account Name : 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 Name : XXXX XXXX XXXX  Account Number : XXXX -Account XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number XXXX XXXX -Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number : XXXX -Account Name : XXXX Account Number : XXXX -Account Name : XXXX XXXX XXXX  Account Number : XXXX -Account Name : XXXX XXXX Account Number : XXXX -Account Name : XXXX XXXX XXXX  Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number : XXXX Sincerely, __________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am writing to formally dispute several inquiries on my credit report that I did not authorize. Upon reviewing my report, I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. 
I have submitted dispute requests and provided supporting documentation, yet these inquiries remain on my report without resolution. These unauthorized entries are negatively affecting my XXXX XXXX and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this, the issue persists. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX inquiries are in fact a 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