vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXXXXXX erroneously sent a check to Barclaycard for a credit card payment for an account that didnt exist. 
Check # XXXX made out to Barclaycard for the amount of XXXX dollars was endorsed by Barclays XXXX and cashed. I have a copy of the check. 
Numerous conversations with Barclay reps only resulted in the same answer- we have no record of any payment. 
How can a bank not know where money is?

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 2025-11-24 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: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-11-24 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: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I initiated an ACH transfer of {$450.00} from my SoFi Bank account to my XXXX XXXX XXXX account. The transfer successfully cleared the same day, and the funds appeared in my XXXX account on XX/XX/XXXX. 

On XX/XX/year>, SoFi reversed the transfer and pulled the {$450.00} back from my XXXX account. XXXX confirmed that the return was initiated by SoFi via ACH.

When I contacted SoFi on XX/XX/XXXX, I was told the transfer never happened and the funds were never in my account, despite the transaction showing in my history. I was also incorrectly told that the transfer failed because my balance was only {$26.00}. This was via email from Sofi After multiple calls, one representative ( XXXX ) finally confirmed the correct information : On XX/XX/XXXX, my XXXX balance was {$470.00}. 

The {$450.00} transfer to XXXX sent and cleared that same day, leaving {$26.00}. 

SoFi made an internal error and requested the funds back from XXXX on XX/XX/XXXX. 

The returned funds were not credited back to my SoFi account. 

XXXX instructed me to obtain the trace ID from XXXX so SoFi could locate the funds. After providing the trace ID, I was not allowed to speak with him again. Instead, I received an email telling me to provide SoFi 's trace number to my external institution, even though this trace ID only pertains to the original outgoing transfer from SoFi to XXXX not the returned funds that SoFi requested on XX/XX/XXXX. 

As of XX/XX/year>, the {$450.00} has not been returned to my SoFi account, even though XXXX confirms it left their institution on XX/XX/XXXX due to SoFis request. I have been repeatedly misinformed, given contradictory explanations, and passed between representatives without resolution. 

What I am requesting : That SoFi locate the {$450.00} returned to them on XX/XX/year>, correct their error, and restore the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting an investigation into the accuracy and completeness of the charged-off accounts reported under my Experian credit file. Several items appear to be reporting incorrect balances, dates, or do not match my records. I am asking that each account listed below be fully verified according to the FCRA, including a complete investigation with the furnishing creditor. If the accounts can not be 100 % verified with proper documentation, they must be corrected or removed. 

Accounts in Dispute Experian XXXX XXXX XXXXXXXX Acct : XXXX, Date : XX/XX/year>, Balance : {$8500.00} XXXX XXXX XXXXXXXX Acct : XXXX, Date : XX/XX/year>, Balance : {$25000.00} XXXX Acct : XXXX, Date : XX/XX/year>, Balance : {$5500.00} XXXXXXXX XXXX Acct : XXXX, Date : XX/XX/year>, Balance : {$0.00} I am asking for verification of reporting accuracy or immediate correction/deletion if 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
CONSUMER ADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJ is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
SW CRDT SYS is falsely reporting on my credit. I have never had any accounts with them. Per my research SW CRDT SYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

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.

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 2025-11-24 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: CA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was scammed out of my Chime bank account on XX/XX/year>. This was {$450.00}. I called the bank immediately and told them I was scammed. They said since I used the " XXXX XXXX '' app in my account they couldn't refund my money. I had no knowledge of this rule. They said if I had used my debit card they could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting several items on my credit file that are completely inaccurate and not associated with me. They are still showing the wrong address XXXX XXXX XXXX XXXX XXXX, FL XXXX, which does not belong to me and has never been linked to my identity. My report also includes multiple accounts that I have no knowledge of, including a XXXX XXXXXXXX account ( XXXX ) opened XX/XX/XXXX with a {$2000.00} charge-off, an XXXX XXXX XXXX XXXX account ( XXXX ) opened XX/XX/XXXX with a {$1200.00} balance, and a XXXXXXXX XXXX XXXXXXXX account ( XXXX ) opened XX/XX/XXXX with a {$2100.00} balance. None of these accounts are mine, and despite my previous disputes, Equifax continues to verify and report these inaccuracies, which is causing serious harm to my credit profile and appears to be a mixed-file issue. I am requesting CFPB assistance to ensure Equifax properly reinvestigates these errors, removes the wrong address, deletes all accounts that do not belong to me, and provides written confirmation once corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
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.

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 2025-11-24 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: CO

Complaint narrative:
The following items appear inaccurate, duplicative, or unverifiable. I request a full investigation and removal if proper documentation can not be provided. 

CHARGED-OFF ACCOUNTS DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-24 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 am disputing the information listed below because the reporting is either incomplete, inaccurate, or can not be verified. I request that TransUnion reinvestigate and validate each account and inquiry. Any item that can not be proven accurate must be deleted as required by the FCRA. 

INQUIRIES ACCOUNT NAME DATE XXXX XX/XX/year>

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 2025-11-24 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: NY

Complaint narrative:
I need to stress that this complaint is not a mistake. There is a specific account on my credit report that is not being reported with the maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). This inaccuracy is causing harm to my credit score and continues to affect me in ways that are incredibly stressful and overwhelming. These are challenging times, and it would be a tremendous help, truly a blessing, if this erroneous account could be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
The following items appear inconsistent with other bureaus and may not be fully verifiable. I request a complete investigation. 

CHARGED-OFF ACCOUNTS 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 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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: DC

Complaint narrative:
I contacted XXXX customer service and the first rep informed me they charged annual fee for the first year of service. I explained that I. Was a member more than XXXX years ; I have been a card holder since XXXX. She told me to hold and would transfer me to another agent to further assist. XXXX agent stated. The annual fees were annual as and I suggest she check for a better offer for long term members. XXXX he did not have any and referred me to the website to apply for other cards? I asked why she could offer it, she has no answer, suggested the site again. I asked for a XXXX, she started the were all unavailable and could have them call me back. It sounded like she would call with them on line. I declined to hold and the return call, starting I would call back myself.

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 2025-11-24 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: MD

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-11-24 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 respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been trying to resolve this with the credit bureaus and i require a bit more time and attention from you to help me resolve this, please. capital one is stating that i owe them money when i have never had capital one and especially not the amount they state i allegedly owe. please help me rectify this please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I recently discovered multiple accounts and inquiries on my credit report that I never authorized, never opened, and have absolutely no connection to, and the shock and stress this has caused me have deeply affected my peace of mind. In XX/XX/XXXX, I found out that several credit accounts were appearing under my name even though they have nothing to do with me, making it painfully clear that I am a victim of identity theft and leaving me worried, overwhelmed, and uncertain about my financial security. The fraudulent items showing on my report include a XXXX credit card ( Account : XXXX, opened XX/XX/XXXX ) and a XXXX XXXX XXXX XXXX auto loan ( Account : XXXX, opened XX/XX/XXXX ), and having these inaccurate accounts tied to my identity has created confusion, damage to my credit, and emotional distress.

Company response to consumer: Closed with explanation