vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am submitting a formal complaint regarding the Barclays Bank Delaware account originally held in my name and currently misreported by XXXX  and mishandled by XXXX XXXX XXXX. 

This account was closed with a {$0.00} balance as of XX/XX/XXXX and subsequently sold to XXXX XXXX XXXX. Despite this, XXXX  continues to reflect nearly 20 consecutive months of charge-off status without updating ownership or removing derogatory codes post-sale. 

Most notably, XX/XX/XXXX is completely omitted from the payment history, disrupting the timeline and casting doubt on the accuracy of XXXXrecords. The charge-off pattern implies a first delinquency date of XX/XX/XXXX or later, which is incorrect. My records show the first delinquency occurred in XX/XX/XXXX. 

These discrepancies violate multiple provisions under the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 623 ( a ) ( 5 ) : Failure by the furnisher to report the correct date of delinquency FCRA 1681e ( b ) : XXXX  failure to maintain maximum possible accuracy FCRA 1681i ( a ) : Inadequate reinvestigation of previously disputed information Additionally, XXXX XXXX XXXX has failed to verify the debt with proper documentation and continues to report unverifiable data, violating provisions under the Fair Debt Collection Practices Act ( FDCPA ) These practices are not only misleadingthey are actively suppressing my credit score and delaying financial recovery. I request the CFPB take the following actions : Investigate Barclays Bank Delaware and XXXX XXXX XXXX for improper reporting Require XXXX  to perform a complete reinvestigation and update the tradeline with accurate dates Ensure that the account, if unverifiable or improperly coded, is corrected or removed Mandate full documentation disclosure, including debt verification and chain of custody data I have attached documentation to support my claim, including prior disputes and tradeline screenshots showing the inconsistencies.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the collection account that CCS is reporting to the credit bureaus regarding an alleged debt from a company. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
To : LVNV Funding LLC CC : XXXX  Information Services LLC Subject : Notice of Arbitration Election CFPB Complaint This is formal notice that I am electing binding arbitration under the terms of the original XXXX XXXX XXXX  agreement. 

Please see the attached pre-arbitration demand letter for details. All claims and disputes must now proceed through arbitration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
XXXX I received a debt collection letter from Halsted Financial Services , LLC dated XX/XX/year> regarding a debt they claim I owe to XXXX XXXX XXXX for an alleged XXXX XXXX XXXX, XXXX. account ending in XXXX. I do not recognize or acknowledge this debt. I have not received any signed contract or documentation to validate it, and under the FDCPA 15 USC 1692g, I have the right to request proper validation, which I have done. 

Furthermore, they are not allowed to transfer, sell, or assign this debt to another agency while it is under dispute, yet the letter does not assure compliance with this. If this debt has already been reported to the credit bureaus without proper validation, it may also violate the FCRA ( 15 USC 1681s-2 ( b ) ).

I am requesting that the CFPB require Halsted Financial to provide full debt validation and cease all collection activities and credit reporting until such validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: PA

Complaint narrative:
The banking company Netspend promised a {$200.00} bonus within 5 days for receiving {$400.00} in direct deposits. I signed up for the account and had XXXX direct deposits over XXXX deposited, XX/XX/year> and XXXX. It is now over a week later and they have not given the {$200.00} bonus as promised. I contacted support and they are giving me a runaround and are refusing to say that I will get my bonus.

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 2025-07-25 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-25 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have had my identity stolen twice this year and so I had a credit card with Citibank ( Home Depot ) and then I received a letter just yesterday XX/XX/year> of me finding out there is a civil suit against me. I havent received any notifications I havent been able to log into my accounts even after calling to try and get into accounts. Now Im being I guess sued for a bigger amount then I know was used on that card and not sure if it is interest and late fees but I havent been getting any help from the company for months. The total that was told to me yesterday is {$5400.00}. I contacted the company and was trying to explain the identity theft and wasnt helped and not being told I was being sued. Also the letter I received was not from Citibank or home depot or their debt creditor it was from another company who had found the civil suit against me offering help and I called Citibank and they said they did file the suit against 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 2025-07-25 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : FINAL NOTICE Demand for Deletion of Unverified, Inaccurate, and Fraudulent Accounts with Signature Validation Request Pursuant to FCRA, FDCPA, and Identity Theft Protections To Whom It May Concern, This is my final written notice about multiple accounts that are being inaccurately and unlawfully reported on my Equifax credit file. Despite prior disputes, you continue to report derogatory, fraudulent, and unverifiable items which are seriously damaging my credit standing.

I am formally invoking my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and identity theft protections under 15 U.S.C. 1681c-2, and demand that you : Delete all listed accounts unless you can produce original application contracts bearing my actual wet signature. Screenshots, PDFs, or billing summaries are not acceptable under law. 



FRAUDULENT COLLECTION ACCOUNT ( Unverified ) : XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to properly reinvestigate disputed data 15 U.S.C. 1681e ( b ) Inaccurate information 15 U.S.C. 1692g ( b ) Debt not validated upon dispute 15 U.S.C. 1681c-2 ( a ) Failure to block identity theft items after FTC report LATE PAYMENTS & OVER-LIMIT ACCOUNTS ( Disputed, Repeated, or Fraud-Linked ) : XXXX {$1600.00} ( 141 % of {$1200.00} limit ) 47 % on-time XXXX XXXX  {$1400.00} ( 146 % of {$1000.00} limit ) 63 % on-time XXXX XXXX  {$0.00} balance 67 % on-time These accounts have multiple delinquent payments, high use above credit limits, and possible unauthorized use, making them eligible for deletion under : 15 U.S.C. 1681s-2 ( a ) Prohibits reporting of inaccurate or outdated info 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires deletion if unverifiable 15 U.S.C. 1681c-2 ( a ) Identity theft block ( FTC Report Attached ) ATTACHED : FTC Identity Theft Report Filed at XXXX Copy of government-issued Photo ID Recent Proof of Address ( utility bill, lease, etc. ) NOTICE OF CFPB ACTION AGAINST EQUIFAX : As the CFPB has already ruled in CFPB v. Equifax Inc., your organization has been found liable for repeated violations of federal law for failing to correct disputed and inaccurate consumer data. Your continued reporting in my case reflects similar willful noncompliance, subject to civil liability under : 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance 15 U.S.C. 1692k Damages under FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT ) asXXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX - ACCOUNTS 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 non-monetary relief
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
Hello, I am contacting you in hopes to successfully dispute the following accounts : XXXX XXXX XXXX ( Account # : XXXX ) XXXX XXXX XXXX ( Account # : XXXX ) Since I have already reached out to each collection agency via mail requesting validation of the collections. They have never responded or verified the collections with any documents containing my signature or any other further evidence to validate the accounts.

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