vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for the Barclays JetBlue credit card through a promotional link inside the XXXX mobile app on XX/XX/scrub> 2025. The promotion clearly advertised a welcome bonus of XXXX XXXX points after meeting spending requirements of {$1000.00} and a {$99.00} card fee. I followed that link, completed the application, and was approved. 

When I set up the Barclays app on I noticed my account only showed I was working toward earning XXXX bonus points. I contacted customer service and was told I had applied under a XXXX-point offer despite having followed the link for the XXXXpoint offer. 

On a second phone call, I escalated the issue. A manager awarded me XXXX points as a courtesy and asked me to submit screenshots of the promotion, which I did. I was later informed that the promotion would not be honored, and Barclays claimed I had agreed to the XXXX-point terms. 

This feels deceptive and misleading. The link inside the XXXX app should have clearly shown which promotion I was applying for. Instead, I was routed to a lower-value offer without my knowledge, and the burden is being placed on me to prove otherwise. 

I believe this constitutes a bait-and-switch and request that Barclays honor the original XXXXpoint promotion or be held accountable for misleading advertising.

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 2025-05-30 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:
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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: MS

Complaint narrative:
To Whom It May Concern : This letter is a formal demand for validation of the alleged debt you claim I owe, as required by 15 U.S.C 1962g ( FDCPA ) and 15 U.S.C 1681 ( FCRA ). You are hereby notified that I dispute the alleged debt in its entirety and demand full validation. 

Under the Fair Debt Collection Practices Act, I have the right to request the following : A full and complete validation of the alleged debt, including : The original signed contract bearing my signature. The complete payment history showing how the alleged amount was calculated. The name and address of the original creditor. Proof that you are legally authorized to collect in this state. 
Proof of assignment or transfer of the debt, including : Chain of custody from the original creditor to your agency. Notarized documentation proving your legal standing to collect this debt. 
Under 15 U.S. C. 1681b ( Permissible Purpose ), you are also required to demonstrate : That you had a legal and permissible purpose to pull or report any information regarding this account on my consumer report.

Further, reporting unverifiable, inaccurate, or incomplete information to any credit bureau is a direct violation of : 15 U.S.C. 1681s-2 ( a ) - Duty of furnishers to provide accurate information.

15 U.S.C. 1681e ( b ) - Obligation to ensure maximum possible accuracy.

15 U.S.C. 1692e- Prohibition of false, deceptive, or misleading misrepresentations.

Failure to provide proper validation within 30 days from the date of receipt of this letter will result in the following demands : Immediate deletion of this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 
Cease and desist from all collection activities. 

I will pursue monetary damages under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, attorneys fees, and court costs for each violation. If you do not or can not validate this alleged debt, you are required to delete it and cease collection. This is a request for validation per federal law. 
Sincerely, 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 2025-05-30 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-30 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-30 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting that I owe them XXXX which I never had any dealings with this company dont know this company and this is identity theft as I dont owe XXXX a XXXX they can find any information on me in there system yet Equifax puts this as a collection without valid proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
Unfortunately, I became victim of identity theft. I checked my credit profile and found negative items which are not belongs to me.

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 2025-05-30 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: TX

Complaint narrative:
My credit report includes multiple XXXX student loan accounts that show late payments and delinquency status during periods when I was under deferment or protected by the CARES Act. 

These accounts also appear to be duplicates, reporting the same debt across multiple entries with identical terms and balances, which misrepresents my credit obligations and payment history. 

I have not been provided any documentation validating these negative entries or proving that they were not under forbearance. I request a full investigation and the removal of all inaccurate XXXX entries in accordance with FCRA 607 ( b ) and 611.

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 2025-05-30 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: TX

Complaint narrative:
My credit report includes multiple XXXX student loan accounts that show late payments and delinquency status during periods when I was under deferment or protected by the CARES Act. 

These accounts also appear to be duplicates, reporting the same debt across multiple entries with identical terms and balances, which misrepresents my credit obligations and payment history. 

I have not been provided any documentation validating these negative entries or proving that they were not under forbearance. I request a full investigation and the removal of all inaccurate XXXX entries in accordance with FCRA 607 ( b ) and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-05-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: WI

Complaint narrative:
They is a lot of false reporting on my credit report and I have address the matter with all XXXX  bureaus and it just keep getting denied. Im getting nowhere. Ive been frustrated. My identity has been stolen again and all three bureaus has been breached. I have already caught someone using my name here in my city once before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: WI

Complaint narrative:
They is a lot of false reporting on my credit report and I have address the matter with all XXXX  bureaus and it just keep getting denied. Im getting nowhere. Ive been frustrated. My identity has been stolen again and all three bureaus has been breached. I have already caught someone using my name here in my city once before.

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 2025-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the bureaus have colluded with creditors and violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this payment experience being reported.

They are also in violation of 15 USC 1681eb for maximum accuracy And 15 USC 1681s-2a1a for willfully reporting inaccurate information!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom this may concern I received a copy of my credit report and found the following account to have errors. By the provisions of the fair credit reporting act 15 U.S.C Sec 1681i ( a ) I demand this account be removed from my credit report. I have notified all three credit bureaus about the errors and havent received any changes updates or removal for the errors. XXXX has the following errors reported such as incorrect repossession date and incorrect payment history. Repossession date has been reported as XX/XX/XXXX instead of XX/XX/XXXX and also my first delinquent date was on XX/XX/XXXX which makes the account 7 years since first delinquent date. Charge off amount has reported incorrect to all three credit bureaus, also never received paperwork for a 1099c form for the charge off. I feel Equifax has violated my rights for a fair credit report. Please remove from account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-30 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 am a long-time victim of identity theft and have submitted multiple FTC reports , police reports, and official disputes to Experian, Equifax, and TransUnion. Despite this, they continue to mishandle my credit file, delay investigations, and allow fraudulent collections to appear and reappear on my report. 

This past weekend ( XXXX XXXX XXXX ), Experian removed several fraudulent accounts, only to re-add them one day later on a Sunday without any notice. They claimed they received new information that I opened these accounts, despite the extensive documentation Ive already provided proving otherwise. This pattern is highly suspicious and harmful. 

Even more disturbingly, every time a fraudulent collection is removed, a new one is added within 24 hours. Most recently, a collection from XXXX XXXX XXXX for an XXXX XXXX account was added despite the fact that I have never opened such an account. I have been listed on my partner legitimate XXXX  plan since XXXX, with consistent use and billing under that plan. 

I have also experienced the credit bureaus particularly Experian blocking my ability to dispute fraud on my own credit report, which is a violation of the Fair Credit Reporting Act and my consumer rights. 

Despite providing : My government-issued ID Proof of address FTC identity theft reports Police reports Multiple written disputes ... the bureaus have continuously : Failed to block fraudulent accounts ( FCRA 605B ) Reinserted removed items without required notice ( FCRA 623 ( a ) ( 6 ) ) Ignored or refused to conduct proper reinvestigations ( FCRA 611 ) Prevented me from viewing my own report ( FCRA 609, 610, 602 ( A ) ) I have reported these violations to the California Attorney General, and I will not stop filing formal complaints, lawsuits, and legal actions until these companies rectify the harm they have caused. Their ongoing negligence and obstruction have led to housing denials, job denials, emotional distress, and financial damage. 

Furthermore, I believe I am being discriminated against. The repeated requests for ID after it has already been submitted raise red flags and make me feel I am being XXXX  and intentionally targeted. The speed at which collections disappear and new ones suddenly appear, the refusal to block fraudulent data, and the inability to access my own reports have all led me to believe this is not only negligence but potentially systemic XXXX discrimination.

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 2025-05-30 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: CA

Complaint narrative:
I am a long-time victim of identity theft and have submitted multiple FTC reports , police reports, and official disputes to Experian, Equifax, and TransUnion. Despite this, they continue to mishandle my credit file, delay investigations, and allow fraudulent collections to appear and reappear on my report. 

This past weekend ( XXXX XXXX XXXX ), Experian removed several fraudulent accounts, only to re-add them one day later on a Sunday without any notice. They claimed they received new information that I opened these accounts, despite the extensive documentation Ive already provided proving otherwise. This pattern is highly suspicious and harmful. 

Even more disturbingly, every time a fraudulent collection is removed, a new one is added within 24 hours. Most recently, a collection from XXXX XXXX XXXX for an XXXX XXXX account was added despite the fact that I have never opened such an account. I have been listed on my partner legitimate XXXX  plan since XXXX, with consistent use and billing under that plan. 

I have also experienced the credit bureaus particularly Experian blocking my ability to dispute fraud on my own credit report, which is a violation of the Fair Credit Reporting Act and my consumer rights. 

Despite providing : My government-issued ID Proof of address FTC identity theft reports Police reports Multiple written disputes ... the bureaus have continuously : Failed to block fraudulent accounts ( FCRA 605B ) Reinserted removed items without required notice ( FCRA 623 ( a ) ( 6 ) ) Ignored or refused to conduct proper reinvestigations ( FCRA 611 ) Prevented me from viewing my own report ( FCRA 609, 610, 602 ( A ) ) I have reported these violations to the California Attorney General, and I will not stop filing formal complaints, lawsuits, and legal actions until these companies rectify the harm they have caused. Their ongoing negligence and obstruction have led to housing denials, job denials, emotional distress, and financial damage. 

Furthermore, I believe I am being discriminated against. The repeated requests for ID after it has already been submitted raise red flags and make me feel I am being XXXX  and intentionally targeted. The speed at which collections disappear and new ones suddenly appear, the refusal to block fraudulent data, and the inability to access my own reports have all led me to believe this is not only negligence but potentially systemic XXXX discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I am aware of this debt and I did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide CERTIFIED MAIL with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports Ive noticed several accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my personal information being exposed I have submitted a FTC complaint reporting the information I am unfamiliar with. 


Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of debt 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