vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I, XXXX XXXX and natural person, was denied credit by Barclays when I applied for an extension of credit, who is in possession/control of a legal person ( XXXX XXXX XXXX of whom I am the Authorized agent and Executor of the Estate/Trust of. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also, they willingly and knowingly provided false and misleading information involving a $ 5k fine and possible jail time in order to make that decision 15 U.S.C 1611, while denying me extension of my OWN credit 15 U.S.C.1602 ( e ) that never was received first before denied in its legal order. You're suppose extend credit before denial. A creditor shall not refuse to grant an individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ). You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by Barclays due to the response I received. Barclays is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Barclays 15 U.S.C 1602 ( p ). Theres no way it makes sense to refuse a credit application, when nothing is loaned out to begin with 15 U.S.C.1602 ( e ) the credit as I said before is supposed to be extended before denial. Credits are extracted instead, while called a loan just for a lender to purchase a contract to receive a funds in the background that's already paid for by credits taken from the applicant but in turn wants to receive payment from that same applicant who those credits were taken from in the first place. So, who's really committing fraud, pretending to be a creditor? The proof that I extend credit will be uploaded, naming the trust XXXX XXXX XXXX and then XXXX XXXX XXXX ( Executor ). That doc is proof of the private estate/trust that TRULY credits.

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 2025-05-20 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 accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

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, CHALLENGED OR NOT.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
* date open is different on each bureau * number of months/terms on each bureau * payment status on each bureau Last date active on each bureau Last date of payment on each bureau I see this account is also written as a charged off, meaning the debt was sold and if that in fact is the case a XXXX c should be completed as paid off debt. Please delete this off my credit report

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 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I was sued by Portfolio Recovery Associates in the State of XXXX  or a debt originally rom XXXX XXXX  ( XXXX  ). The account was originally opened while I was a resident and college student in the state of XXXX. Although I lived in XXXX  at the time of the lawsuit, I attempted to contact Portfolio Recovery Associates by phone and email before the lawsuit received a judgement. They did not answer any of my phone calls of respond to an email that was sent about payments. 

I was trying to discuss the account, verify the debt and potentially work out a resolution because I had only received paperwork at my front door from a process server but had not spoken to them. I was completely ignored when I attempted to reach out, which made it impossible for me to communicate with them or resolve the matter outside of court. 

I am requesting that the CFPB review their failure to respond to multiple good-faith attempts to communicate, and ensure that they are held accountable for their lack of transparency and unresponsiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-20 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im following up to strengthen my original complaint with additional information. This is a follow up for a report I submitted earlier today. ( XXXX ) Before Bank of America denied my fraud claim for a {$600.00} XXXX transaction on XX/XX/XXXX, I was visited by the local sheriffs department after BoA reported my situation as a potential case of financial exploitation. This shows that BoA internally recognized that I may have been a scam victim. Despite that, they denied my claim shortly afterward, stating I should contact the third-party ( Remitly ) even though I had already done so and submitted documentation proving I was scammed. 

Additionally, I was visited today ( XX/XX/XXXX ) by XXXX XXXX XXXX, which confirms that BoA escalated the case to external authorities even after denying me support. If the situation was serious enough to involve state agencies, it should have been serious enough to trigger a full review of my submitted evidence. 

I am asking the CFPB to ensure this case is re-reviewed under Regulation E, and that Bank of America is held accountable for referring me to law enforcement while simultaneously dismissing my fraud claim internally.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have been a Penfed member for about 4 years or so. 
I have applied for a pathfinder credit card XXXX or XXXX times and then keep declining me. 
I saw this offer when I went to my account.

It was pre approval/Qualify with no impact to my credit score.

I thought : '' nothing to lose here if they decline me again '' I filled out the form and submitted it. I am including screenshots of the process confirming that I would only receive a soft pull with not impact unless I accept the card.

I did it. Was approved and submitted. 
I was declined after I was disconnected 6 or 7 times. See pic. 
I was shown a screen to call an XXXX number or XXXX number. I did so and was told it would take 48 hours and I asked to speak to a manager. I was told in no uncertain terms that I would hear from a manager within four hours. That was about two days ago. 
Still no one has called me. 
My credit is excellent and I have never missed a payment on any loan or credit card. 
Please see pic. 
I am a great credit risk and yet penfed keeps declining me and I want to know what is going on.

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 2025-05-20 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: FL

Complaint narrative:
It has come to my attention my personal information has exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find a copy of my ID, The FTC report complaints, a copy of the XXXX report showing my information being exposed in a national data 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
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion is reporting multiple inaccuracies on my credit report and has failed to correct them after my dispute. These issues include incorrect personal identifiers, collection accounts that are not mine, and an unauthorized inquiry. 

Personal Information Errors : TransUnions report shows an incorrect version of my name and outdated addresses. It lists an alternate name XXXX, XXXXXXXX XXXX, which is incomplete ( my full legal name is XXXX XXXX XXXX ). It also lists old addresses ( e.g., XXXX XXXX XXXX, XXXX as current and XXXX XXXX XXXX, XXXX as previous ) where I no longer live, which is inaccurate. Under 15 U.S.C. 1681e ( b ), TransUnion must use reasonable procedures to assure maximum accuracy ; therefore, these outdated personal details should have been removed. 

Disputed Accounts : TransUnion is reporting three collection accounts that are not mine : XXXX XXXX ( Acct No. XXXX ) for ~ {$260.00} ( medical collection, last active around XX/XX/XXXX ) ; XXXX XXXX ( Acct No. XXXX ) for {$780.00} ( opened XXXX ) ; and XXXX XXXXXXXX XXXX ( Acct No. XXXX ) for {$1300.00} ( listed as a charge-off ). I have no affiliation with these debts. I disputed all of these accounts, yet TransUnion has not deleted them. Under FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), information that can not be verified must be deleted, but these accounts remain on my file. 

Unauthorized Inquiry : My TransUnion report shows a hard inquiry by XXXX XXXX dated XX/XX/XXXX that I never authorized. I did not apply for any credit with XXXX XXXX on that date, and no account resulted from this inquiry. This means the inquiry had no permissible purpose and should not have been on my report ( a violation of 15 U.S.C. 1681b ). It should have been removed once I disputed it as fraudulent/unauthorized. 

TransUnions failure to correct these errors violates the FCRA. The ongoing inclusion of inaccurate personal data and accounts indicates TransUnion did not ensure maximum possible accuracy of my report ( 15 U.S.C. 1681e ( b ) ). Not removing unverified accounts and an illegitimate inquiry after my dispute breaches TransUnions duty to reinvestigate and correct ( 15 U.S.C. 1681i ). Moreover, the furnishers of these accounts are not meeting their obligations to report accurate information ( 15 U.S.C. 1681s-2 ), yet TransUnion is still reporting this false data. I am requesting that TransUnion permanently delete all unverifiable or inaccurate information from my credit file as required by 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
b'I disputed a private student loan account from Citizens Bank that is being reported inaccurately on my XXXX  credit report. The account shows a XXXX balance but is marked as charged off, with XXXX XXXX and XXXX-day delinquencies reported in XXXX XXXX XXXX XXXXXXXX XXXX. The account status is listed as Account charged off. XXXX  written off, which I believe is incorrect or unverifiable.\n\nI mailed a formal dispute on XXXX XXXX XXXX, requesting documentation verifying the late payments and charge-off status. As of XXXX XXXX XXXX, I have received no documentation or investigation results, and the account continues to reflect derogatory payment history with no change.\n\nThe continued reporting of this status without proper verification violates FCRA 611(a), which requires credit bureaus and furnishers to either verify the accuracy of disputed data or remove it. This information is negatively impacting my credit score and ability to obtain credit.\n\nI am requesting that Citizens Bank and XXXX  remove the inaccurate or unverifiable information from my credit report, or provide documentation supporting the current reporting in compliance with the FCRA.\n\nThis is a dispute of credit reporting accuracy only. It is not an acknowledgment of liability or a promise to payXXXX 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 2025-05-21 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: CA

Complaint narrative:
My information was from the used as an attempt to obtain credit, the credit inquiries below where a result of fraud. Please remove these inquiries. 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am writing to formally raise a complaint regarding a refund issue involving my XXXX account. 

The merchant ( XXXX ) agreed to issue refunds for certain coin purchases, and these refunds were reflected in my XXXX account by making the coin balance negative. However, the actual refunded funds were never returned to my original payment methods neither XXXX nor Wells Fargo despite the balance adjustment. 

This situation is unacceptable as it misrepresents the status of the refund and leaves me without the funds I am rightfully owed. I kindly request immediate action to complete the refund to my XXXX or Wells Fargo account as originally used for the purchases. 

Please investigate this matter and provide confirmation once the refunds have been properly processed. 

I made disputes with paypal and wellsfargo.

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 2025-05-20 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: NM

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 grant 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 2025-05-20 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: NM

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 grant 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