vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have suspicion to believe one of my children 's SSN 's were used for a tax return that we did not authorise. Their SSN Identity might have been compromised. They are all under the age of XXXX XXXX XXXX, so I can not get a credit score/rating in their names done. It was advised to lay a complaint regarding this.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: AL

Complaint narrative:
After I'd already deleted my Binance.US account, Binance.US XXXXXXXX emailed me on XX/XX/2025, stating that if I did not pay a balance of {$52.00}, it would be sent to collections. They emailed again on XX/XX/2025 as a reminder. 

On XX/XX/XXXX, I contacted Binance.US through their online support chat to ask how to pay this amount. They do not have a phone line. Their customer support is ONLY available via their website chat. 

My account was already restricted, so I could not log in to make the payment myself. In the chat, I verified my identity, and agents confirmed the balance. They said the issue would be escalated to an internal team so I could pay it. 

I followed up multiple times from XX/XX/XXXX through XX/XX/XXXX, asking for a payment link or method, but no one ever provided XXXX. In a separate chatroom, on XX/XX/XXXX, Binance.US chat agent XXXX acknowledged that the debt would go to collections even though I had been trying in good faith to pay it. XXXX says they can not help me and I have to wait for a reply in the original chatroom ( I have not received a reply in that chat since XX/XX/XXXX ). 

I have a full exported copy of that deleted conversation showing my attempts to resolve the issue. 

I am requesting that Binance.US : XXXX. Provide written confirmation of the debt amount and reason. 
XXXX. Give me clear instructions or a link to pay it. 
XXXX. Confirm in writing that this will not be sent to collections while I am actively trying to resolve it. 

I have copies of the finance emails, screenshots and a full exported transcript of the deleted chat as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
I am a consumer attempting to fix my credit, and I am writing to dispute the following charged-off accounts listed on my Equifax credit report. These accounts may contain inaccurate or incomplete information, and I request a thorough review and correction of the details provided. If these accounts can not be verified, I respectfully request their removal from my credit report. 

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 XXXXXX/XX/XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because a bankruptcy is being inaccurately reported on my credit file. This public record is unverifiable and should be permanently deleted under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ). 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I mailed certified dispute and verification request letters to Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding this bankruptcy listing. I included proof of identity and requested proper verification or deletion in accordance with the FCRA. 

As of today, I have not received a valid verification response within the required XXXX period. The credit bureaus and data furnisher ( XXXX ) have either failed to respond or failed to provide documented proof from the courts regarding this bankruptcy. 

I have also contacted the XXXX XXXX XXXX XXXX XXXX XXXX which confirmed that they do not report information to the credit bureau. This confirms that the information being reported is inaccurate and unverifiable. 

I am requesting that the CFPB investigate this matter and ensure that the credit bureaus and XXXX comply with FCRA regulations by deleting this unverifiable bankruptcy record from my credit files. This inaccurate reporting has significantly impacted my ability to obtain housing, credit, and financial stability.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously disputed inaccurate late payment information being reported under the XXXX XXXX  account ending in XXXX. Following the initial dispute, I received a response stating that the account was verified. However, no supporting documentation, billing records, or signed proof was ever provided to validate the accuracy of the alleged late payment. 

To ensure fairness, I took additional steps. On XX/XX/year>, I submitted a signed authorization letter directly to XXXX XXXX, granting permission to verify or validate the account details. As of today, no verifiable evidence or written validation has been provided. 

Despite the lack of documentation, the credit bureaus continue to report this account with negative payment history, which is inaccurate and damaging. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as unverifiable or unsubstantiated information must be deleted from the consumers credit file. 

I am now formally demanding a reinvestigation and immediate deletion of this inaccurate information from my credit report to ensure full compliance with FCRA 611.

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 2025-11-05 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
This is a formal dispute regarding the inaccurate, unverifiable, and misleading reporting of the accounts listed below. BARCLAYS BANK DELAWARE is in direct violation of the FAIR CREDIT REPORTING ACT ( FCRA ), GEORGIA STATE CONSUMER PROTECTION LAWS, and US FEDERAL LAW by continuing to report unverified derogatories, failing to maintain maximum possible accuracy, and neglecting its legal obligation to delete inaccurate information when disputed. Each account listed below represents violations that must be addressed immediately. 

I have identified the following accounts reporting erroneous, incomplete, and misleading information which is legally obligated to fully investigate and provide detailed verification methodologies : BARCLAYS BANK DELAWARE XXXX DATE OPENED XX/XX/year> BALANCE {$0.00} This account is reported as CLOSED and CHARGED OFF, yet BARCLAYS BANK DELAWARE has not provided evidence to justify this negative reporting. FCRA 1681s-2 prohibits the reporting of inaccurate or unverified information, GEORGIA STATE LAW prohibits misrepresentation of account status, and US FEDERAL LAW prohibits false credit reporting. This entry is damaging and must be deleted if it can not be verified.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
DEAR XXXX XXXX XXXXC : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently reviewed my credit report from XX/XX/XXXX, and noticed that several pieces of old personal information are still being reported, even though Ive already requested an update. My report still lists outdated addresses, a former employer, and an old name variation that no longer apply to me. 

I understand that past information can remain in a file for reference, but in my case, these details are no longer accurate and could easily cause confusion or link me to older accounts. I just want my report to reflect my current and correct personal information. 

My current information is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information that should be removed includes : Other Names/ Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Old Employers : XXXX XXXX Date Updated : XX/XX/XXXX o XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Making a complaint inregards to the phone call today from XXXX at Barclay 's. Barclay 's sent me a letter in the mail again today XX/XX/year> from months ago that states to call them to get my points back right away because I bought {$150.00} XXXX gift cards using them and they never sent them. I contact XXXX because it states that in the letter at XXXX he gets on the phone and states to me since I made a complaint with the XXXX  they can't speak to me and I have to wait 30 days for a response in writing. I state to him I only contacted them because it has been over 3 months to where I have been getting the run around from this bank in regards to my points or the gift cards I bought with those points. I recieved a letter in the mail again stating to call you all and I did again and you all keep acting stupid like you all do not know what I am talking about despite a letter and I let him know that their entire team does not know how to communicate and is very disorganized. It should not take 30 days to figure out where my points are when weeks prior you sent an email stating you knew what happened and apologized for the mishandling.

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 2025-11-05 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 am submitting this dispute to TransUnion regarding the following accounts, which I believe contain inaccurate information. 

Charged Off Accounts : XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, {$7000.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments : 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 2025-11-05 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 am a consumer working on fixing my credit, and I am disputing the following items reported under my Equifax credit report. These disputes are based on the accuracy and completeness of the information provided by the reporting agencies : INQUIRIES : XXXX Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX LATE PAYMENTS : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 am filing this dispute regarding the accounts listed below that are inaccurately reported on my Equifax credit report. I respectfully request that you investigate and verify the accuracy of the information in accordance with the Fair Credit Reporting Act ( FCRA ) and remove any information that can not be substantiated. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$800.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1700.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$7000.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX Late Payment : DEPTEDXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit rating has stayed at the same low level for years. Never changing a single point. Every report says this is due to not having revolving credit. I told them Ive had my XXXX account with XXXX XXXX  for almost 2 decades and they said XXXX did no longer report to them. I called XXXX about 6 weeks ago and they said an oversight but were reporting to the three credit bureaus now. This account has about a $ XXXX limit with an impeccable history - never a late ; if anything, a credit balance and yet, EQUIFAX STILL claims I have no revolving credit. This is infuriating after all these years and my rating has been damaged due to their negligence. Theres no excuse for this not being corrected by all three bureaus, especially after specifically advising EQUIFAX on the phone of the accounts existence. Their online website makes it impossible to file a protest - I think intentionally. Look at their website and see where one could file a complaint as outlined here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
DEAR MACYS/CBNA : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a formal dispute to the credit bureau regarding inaccurate information being reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) 611, the bureau was required to conduct a reasonable reinvestigation and provide verified documentation supporting the accuracy of the disputed accounts. 

Despite my original dispute and supporting evidence, the bureau responded with a generic verification response without providing any documentation or proof from the data furnisher. No signed contract, billing statement, or payment record was produced to substantiate the accuracy of the reported item. 

As part of my follow-up, I contacted the creditor directly and submitted an authorization letter on [ insert date if available ], allowing them to release or verify all related account information. However, to date, neither the creditor nor the bureau has provided verified documentation or evidence of a completed investigation. 

This lack of verification and failure to provide supporting evidence indicates noncompliance with FCRA 611 ( a ) ( 1 ) ( A ), which requires that any disputed information be verified as accurate before it can remain on a consumers credit file. The inaccurate information continues to appear on my report, causing harm to my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am writing to dispute the following items listed on my credit report. I believe these accounts to be inaccurate or incomplete. I respectfully request that they be verified or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Inquiries : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : 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