vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Multiple merchandise returns to multiple merchants amounting to {$1400.00} have not been credited to my credit card due to " Barclays US '' incorrectly applying the returns to a previous card number. The previous card number was closed due to a separate fraudulent charge, a new card number was issued before the merchandise returns. 

Customer service representatives from Barclays XXXX customer service initially denied any evidence of the returns and advised me to continue wait longer. The implausibility of XXXX, XXXX, and XXXX 's XXXX coincidentally having issues disbursing returned merchandise funds led me to pursue the issue with Barclays XXXX further and eventually a chat agent discovered the returned funds applied to the previous card. After several more calls with Barclay US, eventually an agent from their fraud department suggested I wait longer for their " system to transfer the funds automatically ''. 

I suggested they credit my account for the amount and they could wait for the funds to post. This was denied.

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 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Payment history XXXX agency does not have the same information as I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CT

Complaint narrative:
I have no connection to this account, and it is appearing on my report due to an inaccurate reporting error.

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 2025-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: IN

Complaint narrative:
This credit inquiry was never approved or authorized by me I did not speak with the lender on the stated date, nor did I agree to any credit check. Given that this was done without my permission, I kindly request that you promptly remove the inquiry from my credit report at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: IN

Complaint narrative:
This credit inquiry was never approved or authorized by me I did not speak with the lender on the stated date, nor did I agree to any credit check. Given that this was done without my permission, I kindly request that you promptly remove the inquiry from my credit report at your earliest convenience.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


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 2025-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I told them I was dissolving my company, now dissolved and I would transfer my money to my local personal account, which is WISE To accomplish this I had to join XXXX and you can see their reaction to my attempt to transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I. REQUEST FOR DOCUMENTATION Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and all applicable federal law, I am formally requesting that Harris & Harris XXXX XXXX provide the following documentation to validate the alleged debt : Complete Chain of Title / Chain of Custody from the original creditor to Harris & Harris XXXX XXXX, including all intermediate transfers or assignments. 

XXXX XXXX XXXX or XXXX XXXX governing the sale or transfer of the alleged account. 

Executed Contract of Assignment or Bill of Sale demonstrating that Harris & Harris XXXX XXXX acquired full legal rights to collect and enforce this alleged obligation. 

XXXX Signed XXXX XXXX and all account-level documentation substantiating the alleged balance, interest, fees, and terms. 

XXXX XXXX or XXXX XXXX from the current creditor establishing Harris & Harris XXXX XXXX lawful authority to collect on behalf of the creditor. 

Written Authorization to Furnish to XXXX XXXX XXXX confirming that Harris & Harris XXXX XXXX has been granted legal permission to report this account to any consumer reporting agency under the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX XXXX This demand is supported by Green v. XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX ( XXXX XXXX 2021 ), holding that data printouts and internal records are insufficient validation. 
Proper validation requires : Documentation of legal assignment Proof of ownership Evidence of authority XXXX. NOTICE XXXX XXXX XXXX XXXX Harris & Harris XXXX XXXX fails to provide the requested documentation through this CFPB process and continues to : attempt to collect, threaten adverse action, or furnish information to any credit bureau without proper validation, such actions will constitute : Willful violations of the FDCPA ( 15 U.S.C. 1692e & 1692f ) Violations of the FCRA ( 15 U.S.C. 1681s-2 ) While the debt remains in dispute, any continued negative reporting may be considered unlawful and actionable. 

IV. FINAL NOTICE AND INTENT TO LITIGATE This serves as final notice for validation. 
If you do not fully comply within XXXX business days, I will : Proceed with legal action in federal court Seek statutory, actual, and punitive damages Seek attorneys fees and costs as allowed by XXXX Harris & Harris XXXX XXXX must ensure strict compliance with all federal consumer-protection laws. 
Failure to do so will result in aggressive enforcement of my legal rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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:
TransUnion is violating the Fair Credit Reporting Act ( FCRA ) by refusing to remove multiple identity theft accounts from my credit file even after receiving my formal Identity Theft Notice on XX/XX/year>. I advised TransUnion that I am a confirmed victim of identity theft and that the following accounts do not belong to me : two XXXX  fraudulent accounts, one XXXX  XXXX identity theft account, one XXXX XXXX XXXX identity theft account, and one XXXX XXXX  account which has already been removed by the other bureaus. These accounts were opened without my knowledge, authorization, or consent. I provided all required FCRA documentation, including a government-issued ID, proof of address, and Identity Theft Affidavit, yet TransUnion continues reporting this fraudulent data, knowingly harming my credit standing and violating FCRA Sections 605B and 609 ( e ) which require immediate blocking and deletion once an identity theft victim provides notice. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-10 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: Yield Solutions Group, LLC
State: TX

Complaint narrative:
Please see attached. RefiJet responded to my XXXX CFPB complaint confirming the erroneous inquiries from XXXX XXXX and XXXX XXXX would be removed from my credit report. To date, this update has not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: GA

Complaint narrative:
I am submitting this complaint because TransUnion is reporting multiple inquiries on my credit file that were never authorized by me, and I never applied for any accounts with these companies. These inquiries are damaging my credit score, affecting my financial life, and they violate federal laws under the FCRA. I respectfully request immediate action to remove these inquiries and enforce compliance. 

XXXX XXXX XXXXXX/XX/year> INQUIRY I never applied with XXXX XXXX  and never authorized them to access my credit file. This inquiry has no permissible purpose under FCRA 604. Under FCRA 607 TransUnion must report accurate and properly authorized information. Under FCRA 611 I have the right to dispute and request deletion. I request immediate removal. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> INQUIRY This inquiry is being reported without any authorization or application from me. It violates FCRA 604 permissible purpose and causes credit score harm. Under FCRA 607 the information must be accurate. Under FCRA 611 I request deletion and proper reinvestigation. 

XXXX XX/XX/year> INQUIRY I did not authorize or apply for credit with XXXX. Reporting this inquiry without permissible purpose is a violation of FCRA 604. Under FCRA 611 I request full reinvestigation and deletion. Under FCRA 607 you must ensure accuracy and permissible reporting. 

XXXX XXXX  XX/XX/year> INQUIRY I never permitted XXXX XXXX to pull my credit. This reporting violates FCRA 604 and harms my creditworthiness. Under FCRA 611 I demand immediate deletion. Under FCRA 607 TransUnion must report only authorized information. 

XXXX XXXX XX/XX/year> INQUIRY This inquiry is fraudulent and unauthorized because I never submitted any application with XXXX XXXX. It violates FCRA 604 permissible purpose. FCRA 611 grants me the right to dispute and demand reinvestigation. Under FCRA 607 the CRA must report correct and lawfully obtained data. 

XXXX XXXX  XX/XX/year> INQUIRY This inquiry is false, unauthorized, and reported without permissible purpose under FCRA 604. Under FCRA 611 I request immediate deletion. Under FCRA 607 accuracy is required and reporting unauthorized inquiries is noncompliant.

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 2025-12-10 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:
Pursuant to 15 U.S. Code 1681s2 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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 15 U.S. Code 1681s2 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 2025-12-10 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: FL

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these taken care of immediately. I am by no means familiar with any of these institutions nor did I give them permission to pull my credit report. 

XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: NY

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 2025-12-10 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: NY

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 explanation
Consumer complaint received 2025-12-10 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: MD

Complaint narrative:
I want to Follow up this complaint because while reviewing my credit reports, I discovered several serious and ongoing inaccuracies that have not been corrected despite my disputes. In my Experian file, an incorrect and improperly formatted address XXXX XXXX XXXX XXXX XXXX, GA XXXX to be reported, even though this is not my correct address and has already caused mail disruptions and confusion. This violates FCRA 623 ( a ) ( 2 ), which requires furnishers to DELETE and update information, and the presence of outdated data linked to this address also violates FCRA 605 ( a ) regarding obsolete information. I have requested that Experian investigate under FCRA XXXX ( b ), yet the incorrect address remains. In my TransUnion report, I found questionable reporting on XXXX accounts : XXXX XXXX ( XX/XX/year> ) and XXXX XXXX XXXXXX/XX/year> ), which appear outdated, inaccurately dated, or otherwise inconsistent with my records, raising concerns regarding compliance with FCRA 605 reporting limits. Even more concerning, several hard inquiries associated with these entries appear without any record of my authorization or consent, suggesting potential violations of FCRA 604 ( a ), which requires a permissible purpose for every inquiry. As a consumer, I have the right under FCRA 611 to dispute inaccurate or unauthorized inquiries, yet these inquiries remain on my report and continue to impact my creditworthiness. I have attempted to resolve these issues through the credit bureaus directly, but the errors persist, leaving me misrepresented and unfairly penalized by inaccurate reporting across multiple systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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