vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I am filing this formal complaint against Barclays and the XXXX XXXX XXXX for false and misleading advertising, deceptive marketing practices, and lack of transparency regarding fees, card value, and service levels. 

I applied for the XXXX XXXX based on its marketed luxury status, elite benefits, and concierge service claims. The advertising implied exclusive travel perks, superior rewards, premium service, and tangible value justifying the {$490.00} annual fee. 

After using the card for several months, I can now confirm the product does not deliver on its promises. The benefits are generic, the concierge service is slow and limited, and there is no justification for the excessive {$490.00} fee, especially when other premium cards ( like XXXX XXXX or XXXX XXXX ) offer substantially better perks for similar or lower fees. 

Timeline of Issues : Marketing materials emphasized luxury service and elite status but lacked specific disclosures about what those services entailed or how they compared to competitors. 

When I asked Barclays to clarify the fee, provide balance transfer terms, and offer a retention or downgrade option, they responded with generic, templated messages ( copy-paste customer service replies ) that ignored my actual questions. 

On XX/XX/year>, I received a robotic email from Barclays Customer Care thanking me for feedback and stating that the {$490.00} fee applieswith no resolution, no engagement, and no attempt to retain my business. 

Predatory Pattern : This card appears to rely on perceived luxury without delivering true value, which matches the criteria of predatory marketing and fake luxury scams, especially for financially responsible consumers seeking real benefits. Barclays has a past history of deceptive financial practices, including the XXXX scandal, so this pattern of consumer manipulation is deeply concerning. 

Summary : I was misled by the marketing. 

Barclays failed to disclose meaningful limitations. 

I was ignored when I requested information to resolve the issue. 

I was charged {$490.00} for a product that does not match the claims that led me to apply. 

This practice needs to be investigated for deceptive advertising under the XXXX jurisdiction.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was imperative and that tracking these transactions was unfeasible. The CFPB s finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offender to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

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 USC Code 1681eb. 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. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my XXXX request, as the credit bureau has failed to take adequate action after my initial claim, sent on XX/XX/XXXX. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : Creditor XXXX : XXXX XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXX, Date of Inquiry : XX/XX/XXXX FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, as follows : 15 U.S.C. 1681b ( Section 604 ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
15 U.S.C. 1681s-2 ( Section 623 ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX Banking and XXXX XXXX XXXX XXXX '' Verification and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates 15 U.S.C. 1681i ( 7 ). I also requested deletion under identity theft protections ( 15 U.S.C. 1681c-1 ), as these inquiries pose a potential fraud risk. ''

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 2025-10-09 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am disputing a PenFed credit card reported as a joint account. I never consented to be a joint owner. The account was opened by my XXXX ex-husband solely for use during our deployment in XXXX from XX/XX/XXXX XXXX XX/XX/XXXX. I was unaware the account remained open, as we had agreed it would not be used. 

In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$100000.00} from marital accounts and {$12000.00} from our childs savings, and charged {$10000.00} to a different card where he was authorized, I had to pay that balance off. All charged-off amounts on the disputed PenFed account occurred between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX During this period, I had an active protective order against him, proving I had no involvement. I initially reached out to PenFed in XX/XX/XXXX to ensure I had no open accounts that could leave me vulnerable. They were unable to locate the account under my name or XXXX, leading me to believe it was closed. 

In XXXX XXXX, I began receiving credit alerts that the PenFed account was XXXX days late. I contacted PenFed again, and they were still unable to find any account under my name or XXXX ; the account could only be retrieved using my ex-husbands information. I filed credit report disputes, which were denied. PenFeds proof relied on charges not made by me. I also contacted the CEO in XX/XX/XXXX to request a good-faith correction, which was denied on the basis that they must report accurately. I contest that holding me accountable for these late payments and the charge-off is incorrect reporting. 

I request that PenFed either provide proof I consented to this joint account or remove it from 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 2025-10-09 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: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that does not meet the Fair Credit Reporting Acts maximum possible accuracy standard. These errors are causing ongoing financial harm and significant 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 2025-10-09 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : XXXX XXXX  ] Account Number : XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-10 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: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Last 4 of social : XXXX Subject : Unauthorized Inquiry I am writing to formally address a serious matter regarding an unauthorized inquiry made on my credit report on XX/XX/XXXX. I have recently been informed of this matter which is holding me back from buying my family a home. I believe this action constitutes a violation of my rights under applicable federal and state laws. 
Specifically, this unauthorized inquiry may violate the following U.S. regulations : Fair Credit Reporting Act ( FCRA ) Under the FCRA, access to an individual 's credit report or financial information is only permissible under certain conditions. This includes when the individual has provided explicit consent, or when there is a legitimate, permissible purpose for the inquiry. Any access outside of these conditions is prohibited. 
Right to Financial Privacy Act ( RFPA ) If this inquiry relates to financial information or records held by a financial institution, the RFPA prohibits unauthorized access to such records without the customers consent or a legal order.

Gramm-Leach-Bliley Act ( GLBA ) If this inquiry involves personal financial data, the GLBA mandates that financial institutions must establish privacy policies to protect consumer data from unauthorized access or disclosure. 
I hereby request the following actions : Deletion of the inquiry ASAP A full explanation of the nature and purpose of this inquiry, including who authorized it and the specific information accessed. 
Confirmation that any data obtained through unauthorized means has been deleted or destroyed.

Assurance that no further unauthorized inquiries will be made into my personal or financial information.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recuvery LLC
State: FL

Complaint narrative:
RECUVERY LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research RECUVERY LLC 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that chime has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XX/XX/year> I called TD card services because it was the day before my bill was due and it hadnt been taken out of my XXXX XXXX XXXX account ( it was a check dated XXXX XX/XX/year> ) I was told by a TD card services to pay by phone and cancel the check. She said they were having troubles receiving check payments. So I canceled check # XXXX XXXX XXXX XXXX paid over the phone. The payment did not go through after several attempts by phone with representative. Finally the payment went through XXXX XX/XX/year>. The reason being XXXX XXXX stopped all payments to TD card services instead of just check XXXX then XXXX. TD card services cashed check # XXXX {$1100.00} so now XXXX payments had been taken out of my XXXX XXXX XXXX called TD card services and was refunded one of the payments on XXXX XX/XX/year> into my TD bank account. I thought everything was settled. I paid my next bill for XXXX XXXX on time. But the following month the amount XXXX was added to my bill as a purchase due XXXX XX/XX/year>. After many attempts ( contactingTD card services and many meetings at TD bank XXXX Florida XXXX XXXX cant get my money back. TD card services said they did not receive or cash the check but my XXXX XXXX says they did. I provided TD bank branch with a photo copy from XXXX XXXX showing the check was cashed by TD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 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:
I am writing to formally submit a complaint regarding multiple inaccuracies and unfair reporting practices on my credit report, which have caused significant distress and potential financial harm. Despite my attempts to resolve these issues directly with the creditors, these matters remain uncorrected. 

Summary of Issues : Incorrect Addresses Reported : 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 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 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 XXXXXX/XX/year> Requested Actions : Immediate investigation and correction of all inaccurate addresses, account statuses, late payments, collections, chargeoffs, and inquiries on my credit report. 

Removal or correction of all inaccurately reported accounts that do not reflect my actual payment history or were reported in error. 

Confirmation that all future reporting by these creditors will accurately reflect my account history. 

The inaccurate reporting on my credit file has caused significant harm to my creditworthiness and has placed me at risk of further financial consequences. I request that the CFPB take prompt action to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and hold all responsible parties accountable for rectifying these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since XXXX business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within XXXX business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

Company response to consumer: Closed with explanation