vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Email only no phone calls, regardless of Barclays policies. 

Account was completed online and approved online. 
The website told me I had an account and had to use it, even though I dont know any of that information. This caused the account to be locked out. This account like most new accounts forces you at sign up to agree to electronic statements. With no access to the account I cant access to view transactions if any. 

I contacted the XXXX XXXX department for an accommodation request to utilize electronic communication for XXXX  XXXX, which is not able to be done by phone or XXXX XXXX XXXX The XXXX recognizes XXXX XXXXXXXX and alternative forms of communication are available and used, which shows NO undue hardship to the business. Yet, they continue to hide behind banking policies saying that they can not communicate with me by email. So I have an account that Im locked out of and they refuse to communicate with me. 

I did get email from president office telling me that they will NOT communicate me by email. They refuse any documents that they requested I submitted by email. They refuse to provide me any type of notification by mail. Just because they have policies regarding communication, it means NOTHING, as they do not over rule laws. The company is clearly discriminating by refusing accommodation requests and access to banking.

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 2025-06-12 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} BANKRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-12 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: NV

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against the credit reporting agencies for allowing the reporting of unauthorized and inaccurate hard inquiries on my credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

I did not authorize or initiate the following hard inquiries. These inquiries have negatively impacted my credit score, and I was not provided with proper notice or a permissible purpose was not established as required by federal law. 
Disputed Inquiries : 1. XXXX  Date : XX/XX/year>2023 Issue : I did not authorize this company to access my credit file. I never applied for credit with this entity, nor did I give any form of written or verbal consent.

Legal Violation : FCRA 604 ( a ) ( 3 ) A consumer reporting agency may furnish a consumer report only under specific permissible purposes, none of which apply here.

FCRA 604 ( c ) ( 1 ) ( A ) Prescribes express written consent before a hard inquiry can be conducted.

FCRA 616 & 617 Civil liability for willful or negligent noncompliance with FCRA. 
2. XXXX XXXX XXXX  Date : Not Specified Issue : I never authorized a credit inquiry by this company and did not apply for any credit products from them. This constitutes an impermissible access to my credit file.

Legal Violation : FCRA 604 ( a ) ( 3 ) No permissible purpose applies to this inquiry.

FCRA 609 ( a ) ( 1 ) I have the right to know who accessed my credit report and for what purpose.

FCRA 610 & 611 Right to dispute inaccurate or unauthorized items on my credit report.

Harm Caused : Due to these unauthorized inquiries, my credit score has been negatively affected. I was not informed of these actions and did not give proper authorization. These constitute a clear violation of the protections granted under the FCRA. Such activity creates both emotional distress and financial damage, especially when decisions such as loan approvals and interest rates are impacted.

Resolution Requested : I am requesting that the Consumer Financial Protection Bureau investigate this matter immediately. I am also asking the credit reporting agencies ( Experian, Equifax, and TransUnion ) to : 1. Remove these unauthorized inquiries from my credit report immediately.

2. Provide written documentation showing who initiated these inquiries and proof of my consent, if any.

3. Take enforcement action against the data furnishers and CRAs for violation of the FCRA.

Declaration : I affirm that the information above is true to the best of my knowledge. I am exercising my rights as a consumer under the FCRA to ensure that my credit report is accurate, fair, and only accessed with my full knowledge and consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CL Holdings LLC
State: NY

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for their unlawful and deceptive conduct in attempting to collect a fraudulent debt that I do not owe. Their actions violate multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and federal privacy protections established under the Gramm-Leach-Bliley Act ( GLBA ). Jefferson Capital has repeatedly claimed that I am responsible for a debt that is entirely fictitious. I have no knowledge of the account in question and never authorized or consented to any such financial obligation. Despite my formal dispute, they have failed to provide any lawful verification or documentation establishing the validity of the debt. This includes a failure to identify the original creditor, supply a breakdown of the alleged charges, or produce any signed agreement bearing my name. Their communications have been intimidating and accusatory, designed to pressure me into paying a debt I do not owe. The nature of these communications has caused significant emotional distress. Moreover, Jefferson Capital has improperly accessed and used my personal identifying information, including my name and Social Security Number, without authorization. This misuse of my sensitive data is not only a violation of the FDCPAs privacy provisions, but it also breaches federal requirements under the GLBA that mandate the safeguarding of consumer financial information. Even after receiving formal notice that the account is disputed and likely fraudulent, Jefferson Capital has continued to furnish false and damaging information to the credit reporting agencies. This conduct directly violates their obligations under the FCRA and has resulted in significant harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} INQUIRIES : XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NV

Complaint narrative:
Re : Reporting Unauthorized Credit Inquiry AND inaccurate Accounts I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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 shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XX/XX/2024 PERSONAL INFORMATION : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction.

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.

Complaint narrative:
I am the CEO/FOUNDER of XXXX XXXX XXXX who used Square as a payment processor to collect client payments. On XX/XX/2025, Square deactivated my account, stating it was due to high risk activity - but provided no clear evidence or reasoning.

Square is now holding my legitimately earned funds in my Square balance and has informed me that these funds will be held indefinitely. The amount being held is {$990.00} USD.

There have been no disputes filed by my clients, and no fraudulent activity has occurred on my account. I have repeatedly contacted Square to request an explanation and to provide documentation to prove the legitimacy of the transactions. Square has refused to accept any documentation, ignored my requests, and continues to send generic template responses without providing any path for resolution.

By refusing to release my legitimate business funds and by holding them indefinitely without due process or an opportunity to resolve the matter, Square is causing severe financial harm to my business. Their actions appear to be in violation of fair business practices and payment processing standards.

I am requesting that Square immediately release my funds to my linked bank account, as there is no valid reason for them to continue holding my money indefinitely. I am escalating this matter to the CFPB to hold Square accountable and to seek a fair resolution.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX ) - XXXX Creditor Name : XXXX )- XXXX XXXX  XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S
.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: TX

Complaint narrative:
Mortgage Loan Modification I was enrolled in a trial payment plan with Loancare as part of a loan modification process. Unfortunately, I missed a payment by a few days, which caused the termination of my trial plan. Since then, I have been told I am no longer eligible for any loss mitigation or modification options. 

I have been actively trying to resolve my situation and keep up with my mortgage payments. 

My missed payment was due to an unexpected banking issue. I was on a trial payment plan and made the first payment successfully. The second trial payment was scheduled for XX/XX/year>2025, but due to an unexpected charge that overdrew my bank account, the payment was returned on XX/XX/XXXX. I discovered the issue on XX/XX/XXXX, immediately contacted the servicer, and explained the situation. 

The representative I spoke with acknowledged the missed payment had not yet been reported as NSF ( non-sufficient funds ) yet and accepted a new payment to cover the amount. I was told that the underwriters might make an exception and honor the payment. I was then transferred to the escalations department, where I re-explained the situation in full. 

They advised me to call back later in the week to check on whether the underwriters would approve the payment and keep the trial plan active. However, when I called on XX/XX/XXXX, I was told they would not honor the payment, no exception would be made, and that foreclosure proceedings had begun that day. 

I have pleaded with the Loancare Escalations Supervisor several times but have not received a satisfactory response or viable solutions to prevent foreclosure, as I was coldly told they will not allow me to reapply for any assistance. 

I believe this is unfair, considering I acted in good faith, attempted to correct the issue immediately, and followed the instructions given by their staff.

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