vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclay 's XXXX XXXX XXXX  CARD account ending in XXXX! Current Balance is ( {$800.00} ) Is still not closed and I would like it to be closed immediately. The fraud team has been a disaster in handling this matter, each time I've spoken to someone over the phone they say that they will make notes but somehow no one at the call center or fraud team have never seen the notes that were on the account saying this fraud. This is the last time I will be making this complaint or I will have to get lawyers involved. 

Backstory : I lost my wallet days prior... but on XX/XX/XXXX I got a notification through XXXX that a line of credit was opened falsely under my name. I started a dispute and got XXXX letters a couple days later saying the fraud team found no fraud which is upsetting... I dispute again, I get an email/mail from XXXX from the Office of the President saying that they indeed found fraud and that they would report it to agencies so that It would drop off my account in about 60 days. Great!! I need not to worry. 

XX/XX/XXXX : I received a notification through XXXX that Barclays flagged the fraudulent account for a late payment which I thought it was resolved already because I talked to XXXX and she assured me that it was handled .... ( My credit score drops significantly ) I call XXXX again said that one of the fraud team members made a mistake and re- activated the account.. but need not to worry that it will get taken care of, great! 

XX/XX/XXXX : The fraudulent account in XXXX shows that it's still under dispute. Also!! XXXX XXXX XXXX still has them marked as 60days past due. I checked it's not closed. My XXXX XXXX has jumped back up according to XXXX but I want this account to be closed immediately and to make sure other agencies are notified ( XXXX XXXX XXXX ) so it's not on my record. I have since received XXXX mailed letters saying that " Their Investigation found no fraud '' marked with dates XXXX, XXXX XXXX. This is highly upsetting. Again if your " Investigation found no fraud '' You're going to have to show me video proof that I was in that store opening a credit card, which I can tell you 101 % you will not. 

I'm doing apartment searching in the near future and I won't have this over my head. I've attached my proof down below.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts are not accurate. Acct : XXXX XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX acc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't owe those debts ; credit bureaus are not the original creditor. They need to verify those accounts with the original contract with my signature on it. They must remove those accounts from my report immediately. Also, all those inquiries from XXXX XX/XX/year> or XXXX XX/XX/year> must be removed from my report immediately. I did not give permission to those companies to check on 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 non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
Accounts are not accurate. Acct : XXXX XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX acc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't owe those debts ; credit bureaus are not the original creditor. They need to verify those accounts with the original contract with my signature on it. They must remove those accounts from my report immediately. Also, all those inquiries from XXXX XX/XX/year> or XXXX XX/XX/year> must be removed from my report immediately. I did not give permission to those companies to check on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXX 's requirements.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have been trying to remove the suppression on my TransUnion credit report for several months, but I have been given incorrect information multiple times, preventing me from accessing my credit. 

I initially called TransUnion multiple times, and they requested that I submit my personal documents ( government ID, Social Security card, and birth certificate ). They provided me with a mailing address to send these documents. After waiting a month with no response, I called to check the status of my request. I confirmed the address I was given, only to be told that it was incorrect. 

I was then instructed to send my documents via email instead. However, after doing so, I received a response stating that I had sent them to the wrong TransUnion department, even though I followed the instructions given by their customer service representatives. I have been calling almost every week, and each time, I receive different instructions. 

As of today, my credit suppression is still active, and I am unable to apply for any type of credit, loans, or credit cards. TransUnions lack of clear communication and failure to resolve this issue has severely impacted my ability to manage my financial life. 

I am requesting immediate action to remove the suppression on my credit report and a clear resolution to this issue.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX  XXXX **** XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX  XXXX **** XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights . 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Urgent Notification - Formal Complaint Regarding Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/scrub>/2025, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX **Account Number : XXXX XXXXI am utterly appalled by the amount of $ XXXX **Date of Account : XXXX/2025**

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company is illegally conspiring with other collection agencies to obtain my personal information. I did not authorize no one to share my information with a third party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I contacted TrueAccord to request a copy of the original purchasing agreement to verify the details of a debt they claimed I owed. They couldn't provide the requested documents, which indicates the debt 's invalidity. On XX/XX/2025, a TrueAccord representative informed me that the debt had been returned to the original creditor, XXXX XXXX XXXX, and should no longer appear on my credit report. Reporting inaccurate information violates 15 U.S.C. 1681s-2 of the Fair Credit Reporting 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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-20 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: FL

Complaint narrative:
Certainly! Here 's how you might write a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your issue with TransUnion : -- - Subject : Complaint Regarding Unresolved Negative Items and Unexplained XXXX XXXX Drop with TransUnion Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an ongoing issue with TransUnion, XXXX of the major credit reporting agencies. Despite multiple attempts to resolve the matter directly with TransUnion, my concerns have not been adequately addressed, and I have experienced significant financial distress as a result. 

Details of the Issue : XXXX. Negative Items and Collections on My Credit Report : Over the course of several months, I have contacted TransUnion multiple times regarding negative items and collections that appear on my credit report. I have disputed these entries, but no action has been taken to resolve the issue or remove any inaccurate or outdated entries. 


XXXX. Unexpected XXXX in XXXX XXXX : My XXXX XXXX has dropped by more than XXXX points without any clear reason or explanation. I have been actively monitoring my credit, maintaining responsible financial habits, and have not been notified of any events that would justify such a drastic decrease in my score. 

Despite my repeated attempts to resolve this matter directly with TransUnion through phone calls, online disputes, and written correspondence, no meaningful action has been taken to address my concerns or rectify these errors. I have requested a thorough review of my credit report and an explanation for the unexpected score drop, but I have not received a satisfactory response

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I have noticed discrepancies in the reporting of my XXXX XXXXXXXX XXXX XXXX account ( Account No. XXXX ), specifically regarding the reported late payment and closed/open status. 
According to the FCRA, credit bureaus are required to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ). However, my credit reports from XXXX and XXXX do not match the information Experian is reporting. The inconsistencies include : XXXX XXXX : My Experian report lists a late payment for XX/XX/year>, but my reports from other bureaus do not reflect the same. This discrepancy suggests a reporting error, and per 15 U.S. Code 1681 ( a ), and 15 U.S. Code 1681 ( 4 ), I request that you delete it immediately. 

Closed/Open Status : My Experian report states that my account is a Secured Loan and is " Paid, Closed. '' However, the other credit bureaus have reported it differently. Under the FCRA, any unverifiable, inaccurate, or incomplete data must be removed ( 15 U.S. Code 1681- 2 ( a ) ( 3 ). 

I formally request that you take immediate action to remove all unverifiable, inaccurate, and inconsistent information from my credit report. If this issue is not properly addressed and removed. I will escalate my dispute by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies to protect my rights. 

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 2025-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I am having trouble receiving a XXXX for the vehicle that was XXXX from me back in XXXX  They are trying to garnish my wages but need the XXXX to give to my attorney. This is regarding Credit acceptance.

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 2025-03-20 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:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) and on Transunion it's ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
Account Name : XXXX XXXX Account Number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Kind Holdings, LLC
State: GA

Complaint narrative:
I'm opening up my old claim. This company needs to be shut down. They screwed me and my fiance and they don't need to continue doing that to XXXX. My fiance and I started the home-buying process back in XX/XX/year>. We were set to close on XXXX and as of ( XXXX ) we still didn't have a closing date after we got a unilateral extension. Our lease ended XXXX and after that, we will be homeless living in a hotel, because the loan processor and broker do not have a clue what they are doing. I'm a XXXX XXXX  and now I have to be back on the streets because people who do the same job every day can't do their due diligence. We have already put in our earnest money and the cash to close but because of an " IRS '' error that should have been caught early in this process, we are now having to wait to close AGAIN. You need to investigate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. They are both underperforming in their roles costing us over half a XXXX dollars. The broker and loan processor do not communicate at all. All the information we received have been last minute. They changed our loan the week before closing from FHA to Conventional. Now, that they don't have their paperwork together because they don't communicate, we are late confirming with the IRS. Now that a discrepancy was found we have to wait for the correction which is beyond any of our control. We're going to lose this house with extra costs and because of them. They need to be held accountable instead of pointing the fingers at each other ( childish ) and costing the customer money. They are even entertaining us giving away our money to the seller for their errors! They pay for EVERYTHING associated with this issue. They caused it, they take responsibility! 

Update : XXXX : We found out we were lied to and are out XXXX from this home purchase. We were told the roof was fine as the roof was our biggest concern and we weren't going to purchase the home without justification and verification the roof was in good shape. Now as of XXXX we were told we have to replace the roof and we were lied to on the warranty that it was covered. It wasn't covered and now we have to replace the roof. XXXX!

Company response to consumer: Closed with explanation