vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-10-28 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
My husband and I are currently in the process of trying to buy a home and get pre-approved for a mortgage. During this process, my XXXX XXXX informed me that I needed to pay off all of my credit cards. This was confusing because I only have one credit card in my name an XXXX card. 

On XX/XX/XXXX, I went to XXXX to review my credit reports from all three bureaus. When I reviewed them, I found four accounts listed that do not belong to me. These same accounts had previously appeared on my husbands credit reports last year as fraudulent accounts. He disputed them at that time, and they were removed. Now, those same accounts have appeared on my reports. 

The fraudulent accounts include XXXXXXXX XXXX Midland Credit Management, XXXX XXXXXXXX XXXX all three reports. In addition, my XXXX  report shows another account from XXXX XXXX. I have never heard of or done business with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as the original creditor for the Midland Credit Management account ). 

My only current bank is XXXX, which I use through XXXX. I do not know how these accounts were opened or how they appeared on my credit reports. I have never authorized anyone to use my personal information or to open any accounts in my name. These accounts are fraudulent and are negatively affecting my credit as I try to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Revco Management, LLC
State: AR

Complaint narrative:
My husband and I are currently in the process of trying to buy a home and get pre-approved for a mortgage. During this process, my financial advisor informed me that I needed to pay off all of my credit cards. This was confusing because I only have one credit card in my name an XXXX card. 

On XX/XX/XXXX, I went to XXXX to review my credit reports from all three bureaus. When I reviewed them, I found XXXX accounts listed that do not belong to me. These same accounts had previously appeared on my husbands credit reports last year as fraudulent accounts. He disputed them at that time, and they were removed. Now, those same accounts have appeared on my reports. 

The fraudulent accounts include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all three reports. In addition, my Equifax report shows another account from Revco Solutions. I have never heard of or done business with Revco Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( listed as the original creditor for the XXXX XXXX XXXX account ). 

My only current bank is XXXX, which I use through XXXX. I do not know how these accounts were opened or how they appeared on my credit reports. I have never authorized anyone to use my personal information or to open any accounts in my name. These accounts are fraudulent and are negatively affecting my credit as I try to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-28 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: MD

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 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

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 2025-10-28 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:
i have reviewed my credit report and found unverified items.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased multiple clothing items through PayPal from a seller in XXXX, and the items I received were significantly not as described. The shirts arrived with no sizes printed on them and do not match the listing images or product description. 

The seller provided a non-working phone number and does not respond to emails, meaning I can not resolve the issue directly. 

I contacted PayPal over XXXX times, and each time I have been told conflicting information. XXXX denial claimed I missed the return window however, the items did not arrive until after the return deadline, which is outside of my control. 

PayPal is now requiring me to return the items to XXXX with trackable shipping that costs more than my total purchase amount. I submitted proof of these shipping costs to PayPal, but they continue to deny protection. 

The current resolution offered makes a refund impossible, violating the intent of PayPals Buyer Protection Program. 

What I want PayPal to do : Provide a full refund without requiring the return of the defective and misrepresented items OR require the seller to provide a prepaid, trackable return shipping label at their expense. 

Consumer laws applicable : PayPal is failing to provide buyer protection and is enabling deceptive seller practices by enforcing an unreasonable return requirement that exceeds the goods value. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
This complaint concerns an account that is being reported inaccurately by [ XXXX XXXX and XXXX My official IRS Wage & Income Transcript for tax year XXXX confirms that this company filed Form 1099-C ( Cancellation of Debt ) and Form 1099-A ( Acquisition or Abandonment of Secured Property ), both accepted by the Internal Revenue Service. These forms legally confirm the debt was canceled and the borrower was no longer personally liable for repayment.

Despite the lenders own filings with the IRS, the company continues to furnish negative credit information for this account. This constitutes inaccurate and misleading reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). The company has not provided documentation proving any outstanding balance or active obligation. 

I have also disputed the tradeline with the three credit bureaus, supplying copies of the IRS transcript and accepted 1099-C forms. Under FCRA 623 ( b ) and 611, the furnisher must conduct a reasonable investigation and delete any information that can not be verified. 

I am requesting that the CFPB require this company to : XXXX. Verify the accuracy of its credit reporting using the original XXXX filings ; XXXX. Delete the tradeline from all consumer-reporting agencies since the debt was canceled ; and XXXX. Provide written confirmation of deletion within 30 days. 



Supporting documentation is attached, including my IRS XXXX XXXX XXXX XXXX listing the XXXX and XXXX filings and certified-mail evidence of previous disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccuracies found in my credit file maintained by TransUnion. My name is incorrectly reported as " XXXX, '' when it should be " XXXX, '' missing the " XXXX '' and " XXXX. '' I request that TransUnion update my credit file to reflect my full and correct name as " XXXX XXXX XXXX XXXX XXXX. '' Additionally, there is an inaccurate address listed in my credit file : " XXXX XXXX XXXX XXXX XXXX, NJ XXXX. '' I do not reside at this address, and I kindly request that TransUnion remove this incorrect information from my credit file. My correct and accurate address is " XXXX XXXX XXXX XXXX XXXX XXXX. '' I ask that TransUnion update my file with this accurate address and remove any incorrect entries to ensure the accuracy of my credit report. 

The continued presence of these inaccuracies on my credit report is negatively impacting my credit standing, and I respectfully ask the CFPB to assist me in resolving this matter promptly. I am aware that the FTC is currently shut down, which is why I am seeking help through the CFPB to ensure my rights are upheld under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-28 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-28 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On around XXXX XXXX XXXX, I received an alert from XXXX credit monitoring that someone attempted to open a checking account in my name at Citibank. I contacted Citibank and was assured an account was not opened. Then I received a debit card in the mail for the account, called again, and they now confirmed an account was opened. I reported this as fraud as I did not open this account. I received a fraud packet from them early XXXX, sent everything back via fax and email. I called again and was told they received the information they needed and would take time to process and close this account. This was late XXXX, probably XX/XX/year> or so. I gave them some time and called again today, XX/XX/year> and was told they never received the information they needed from me. I have attempted to send them what they need to close this account that was opened without my permission and they just won't close it. I don't know what else I can do to get this account closed.

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 2025-10-28 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: NE

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am a XXXX resident that had purchased a vehicle from the said listed dealership ( XXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX from a salesman XXXX XXXX over the phone. I had later realized the vehicle, a XXXXXXXX XXXX XXXX XXXX, did not have the appropriate equipment I was looking for, avoiding my texts and calls, not asking for specific photos multiple times just trying to cancel my purchase within a reasonable time frame. I reached out to the salesman, XXXX XXXX, via text on XX/XX/XXXX at XXXX stating that I no longer want to go through with the transaction and verbally explained this around the same time and same date. I attempted to confirm this cancelation with multiple texts and phone calls and was hung up on and he refused to text back. The sales manager, XXXX XXXX, was extremely rude and unprofessional with my request to cancel. She also lied to me stating that the vehicle was already shipped on XX/XX/XXXX. The transportation company stated and had an invoice showing the vehicle " ticket '' for transport was on XX/XX/XXXX and was picked up on XX/XX/XXXX, more than 24 hours after my request verbally and text. The dealership then told me not only that it was too late but now I will be on the hook for close to {$2000.00} to ship the vehicle back. When I tried to negotiate and ask for them to return the vehicle back without a fee, XXXX stated the vehicle is now " non-returnable '' on XX/XX/XXXX when the vehicle arrive at my residence. In addition, the initial walk around video showed the vehicle without damage to the rear passenger taillight but arrived with damages. The shipping company stated it was there before shipping and showed a picture before shipping.

Company response to consumer: Closed with explanation