vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/XXXX, I called Barclay to discuss my personal credit card account that was past due, starting at XXXXXXXX XXXX  and lasting 12 minutes. They confirmed that in the past I had near perfect payment history. The notes the representative took were read back to me and stated that another merchant had [ gotten involved ]. The representative offered a hardship plan, and he provided the phone number XXXX for credit counseling. 
The credit counseling number was also with Barclays, the initial prompts offered different agencies. I didnt know which to choose, asked to repeat the menu, but was then asked for my credit card number that I didnt have on hand. I retrieved my wallet, but decided to write two emails to persons who I think could help me separate from XXXX XXXX. 
Since XXXX, I attempted to sign up for my tax refund to go toward credit card repayment that was offered via email, but the agent on the phone stated that I was ineligible for unspecified reasons. 
Today is XX/XX/XXXX. The issue with XXXX XXXX has not been resolved, and the vehicle that I never wanted was towed by XX/XX/XXXX. I have no employment, although I applied to work in " back of the house '' of a cafe serving food, I have not received a rejection or job offer. I have not heard back from the Federal Trade Commission either. I am again requesting from Barlcay ( Frontier Airline credit card ) for a suspension of the interest rate, so my balance does not increase while I am in this unfortunate and unwanted situation that I was manipulated into and have protested since 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 2025-07-14 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
As I was reviewing my credit report I noticed items that I am unfamiliar with but I am contacting you guys regarding my accounts that are showing negative balances. I need y'all to remove my information and put my accounts back into good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion inaccurately reported an account from XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. The account was listed as charged-off with a past-due balance of {$5000.00} and an original charge-off of {$7500.00}. The loan type is listed as an automobile installment loan opened on XX/XX/year>. 

I submitted a formal dispute, and after investigation, TransUnion corrected the inaccurate information. However, the account was initially reported incorrectly and remained that way for a period of time, during which it harmed my creditworthiness, and may have affected my ability to obtain credit or fair terms. 

Although the account has been updated, I am requesting complete deletion of this entry based on my rights under the Fair Credit Reporting Act ( FCRA ) : Under FCRA 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy. The initial inaccuracy proves that this standard was not met.

Under FCRA 1681i, any information found to be inaccurate or unverifiable during a reinvestigation must be deleted not merely updated. 

Continued reporting of an account that was proven false or unverifiable at the time of reporting does not meet the standards of the FCRA. I am therefore requesting that the CFPB assist in compelling TransUnion to permanently delete this account from 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 2025-07-14 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On or about XX/XX/year>, we signed a sales contract with Lowes. The cabinets were shipped, and we received them on XX/XX/year>. 
Installation occurred on XX/XX/year>, followed by a series of telephone calls. Between XX/XX/year>, and XX/XX/year>, there was a grand total of 48 incoming and outgoing calls to Lowes to try and rectify the problem. 
We began communicating about the installation workmanship. Our primary concern was the unsightly white caulk affixed to the edges of the cabinets and on the crown molding. 
Lowes expressed a preference to address topics other than the white caulk. We have asked Lowes to remove the white caulk that sticks out from the gray cabinets and beige walls.

Whereas, Lowes stated, Their professional recommendation is paint over the existing white caulk to better blend it with the wall. However, please note that Lowes does not provide painting services as part of our installation scope. 
We find Lowes posture about removing the caulk to be peculiar. The problem was created by Lowes and Lowes should be responsible for correcting the problem.

If Lowes cant remove the white caulk, we want a full refund ( {$11000.00} ). Thank you! XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : 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 non-monetary relief
Consumer complaint received 2025-07-14 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: DE

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union is reporting old information over 8 years old. These accounts are repeatedly appearing without validation being given. Several Accounts are inaccurately being reported, credit inquiries on my report that I dont recognize as well as Public record information incorrect. This reporting company is using my report improperly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I would like these accounts removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been victimized by identity theft, and accounts appearing on my consumer report were created without my knowledge or written authorization. I never provided a wet signature or any form of consent for these accounts to be established or reported. These fraudulent entries have caused severe emotional and financial distress, creating an inaccurate representation of my credit history that has prevented me from achieving critical financial goals, including purchasing a home and providing for my family 's needs. The presence of these unauthorized accounts on my report has significantly impacted my creditworthiness and ability to secure necessary financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXXXXXX XXXX XXXX  ZIP Code : XXXX Email : XXXX Phone : XXXX XX/XX/XXXX Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX ( XXXX ) XXXX Subject : Dispute of Unauthorized Charge on Credit Card Dear Sir/Madam , I am writing to dispute an unauthorized charge on my credit card account linked to my information. The details of the transaction are as follows : - Date of Transaction : XX/XX/XXXX - Merchant Name : Sunrise Credit Services XXXX - Amount : {$1200.00} - Account Open Date : XX/XX/XXXX - Account Closed Date : XX/XX/XXXX I did not authorize this transaction and believe it to be fraudulent. I kindly request that you investigate this matter and remove the charge from my account. Enclosed are copies of relevant documentation, including my statement highlightingthe disputed charge. 

Please confirm receipt of this letter and inform me of the steps taken to resolve this issue. Your prompt attention and assistance are greatly appreciated. 

Thank you. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 non-monetary relief
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
I disputed multiple inaccurate late payments reported on my Experian credit file by the following furnishers : XXXX, XXXX ( 2 accounts ), XXXX XXXX XXXX, and XXXX XXXX XXXX I was never properly notified of any upcoming due dates or late payments before they were reported. This deprived me of a fair chance to resolve the matter, violating several provisions of the Fair Credit Reporting Act ( FCRA ), including the duty to report accurately and conduct proper investigations. Despite my dispute, Experian failed to correct or remove the entries. I have now submitted a formal complaint with the CFPB due to Experians failure to act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am unable to access my Experian online account because the Multi-Factor Authentication ( MFA ) information on file is not mine. The phone numbers and/or email addresses tied to my profile are incorrect or unauthorized, effectively locking me out of my own account.

Worse, attempting to reach a live representative at Experian to correct this information has proven completely futile. Their customer support system is intentionally designed to be circular and obstructiveoffering no direct access to a human being capable of resolving identity discrepancies or account recovery issues. This isnt just an inconvenienceits a deliberate failure of consumer protection, data integrity, and basic accountability.

Experians Credit Center in XXXX, Texas is unlawfully retaining my Personally Identifiable Information ( PII ) and profiting from itwhile Im left to deal with the consequences of their inaccurate and damaging data reporting. They continue to monetize my identity through credit monitoring and data sales, yet take no meaningful responsibility for the harm caused by the false or outdated information theyre distributing. Meanwhile, Ive been forced to navigate an exhausting and broken dispute process just to correct errors that should never have been there in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
Regions Bank sent me a email stating that they had charged me with over draft charges that I didn't owe and they sent a check in the mail to me but I never received it. When I called they could not find anything about a check being owed to me because they had already closed my account.

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 monetary relief
Consumer complaint received 2025-07-14 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/year>2024 -- {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
These inquires was not authorized by me. XXXX Ga XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

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 Services , 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 XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 : {$0.00} INQUIRIES : 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