vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am writing to formally express my dissatisfaction and request clarification regarding Barclaycard 's abrupt decision to reduce my revolving credit limit from {$5000.00} to {$250.00}. This substantial reduction occurred without notice or explanation, just XXXX days after I paid off the card balance in full on XX/XX/year>. 

This unexpected reduction not only adversely affects my credit utilization and financial planning but also impacts my participation in the XXXX rewards program. XXXX recently updated its rewards structure to heavily incentivize the use of their affiliated credit card for cruise-related purchases. I have a cruise planned for the end of XXXX and had intended to use this Barclaycard for my XXXX-related expenses to maximize my rewards and benefits. Unfortunately, due to the drastic reduction in my credit limit, I am no longer able to proceed as planned. 

Despite reaching out for an explanation and resolution, I have yet to receive any meaningful response from Barclaycard. 

I kindly request an immediate review and restoration of my original revolving credit limit or, at a minimum, a detailed justification for this sudden change. 

I appreciate your prompt attention to this matter and look forward to your timely 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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: NV

Complaint narrative:
I received a loan from Bright Lending for {$1000.00}. After making XXXX scheduled payment, the balance has already increased to {$1100.00}, despite no additional borrowing. The loan 's interest rate appears to be well over XXXX  % APR, which was not clearly disclosed or explained in an understandable way at the time of signing. 

I now realize that the terms of the loan are extremely predatory and structured in a way that makes it difficult to repay without incurring massive interest charges. The payment schedule and finance charges seem designed to trap borrowers in long-term repayment cycles that far exceed the original principal. 

Although I am not currently in default and the lender did agree to revoke my ACH authorization for payment, I am still disputing the legitimacy and fairness of the loan. I believe Bright Lendings practices violate fair lending standards and should be reviewed by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for denying my fraud dispute regarding unauthorized charges made on my account. 

I was targeted by a scam from a fraudulent company, XXXX XXXX XXXX, which posed as a legitimate employer. They hired me for a fake job and instructed me to make purchases using my personal credit card, promising reimbursement. I followed their instructions, believing this was part of my job duties. 

When I realized I had been scammed, I immediately notified Golden XXXX and filed a fraud dispute. Despite providing details of the scam and explaining that the purchases were made under false pretenses, XXXX XXXX denied my claim, stating that the charges were authorized simply because I used the card. 

This decision fails to account for the fact that I was coerced and manipulated into using the card under fraudulent circumstances. The banks response does not reflect a full or fair investigation of the situation. 

I have since filed a report with the FTC and am preparing a police report. I am requesting that the CFPB assist in compelling XXXX XXXX XXXX XXXX to re-investigate my case and to consider the nature of fraud through coercion and deception. 

I am also requesting a copy of XXXX  XXXX internal investigation and the reasoning for their denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a XXXX XXXX XXXX XXXX  any nonpublic personal information. XXXX XXXX XXXX ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a XXXX XXXX XXXX unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX  XXXX ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a XXXX XXXX account under an XXXX XXXX XXXX XXXX XXXX as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall 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. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Hello. I have a XXXX with Openbank by Santander. I am in the process of buying a house and need some of the funds. Last week I requested 5 transfers of the banks maximum daily limit ( {$100000.00} ) to be sent to the Title Company. After these transfers had been scheduled, I learned that my title company doesnt accept ACH ( only wires ), so I cancelled four of the transfers ( couldnt cancel all of them since the first was being processed already ) and proceeded to schedule new transfers of the same amounts to another XXXX XXXX  account of mine, from which I could eventually wire the money to the title company. 

After I did that, I noticed that my OpenBank account had been blocked. The bank didnt notify anything to me. No texts, no emails, no calls. I found out just because I randomly opened the app to check the status of the transfers. 

This morning I called customer service to see what was going on, and their response was not only unhelpful but vague and imprecise. The agent mentioned that the account had been blocked due to potential fraudulent activity and that someone would need to review ( which could take up to 60 days ). Due to her inability to help me and the unreasonable potential hold of up to 60 days, I requested to talk to a supervisor. I explained to her that I need the funds this week since Im closing on my new house on XX/XX/XXXX, but she didnt help. There were no supervisors available and I was promised Id get a call back. I just followed up again ( 4 hours later ), no supervisors are available and according to the second agent I talked to, it can take up to 5 days for a supervisor to call me back. 

Im in a very delicate situation right now. I dont have time to go back and forth with the bank, I need the funds this week, Openbank by Santander is holding my money under the premise of potential fraudulent activity, but no one is willing to talk to me and clarify the facts to lift the block.

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 2025-08-04 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: OH

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-08-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
I am filing this complaint against both Williams & Fudge and the XXXX  XXXX XXXX for willfully violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reassigning and attempting to collect on a previously disputed, closed, and deleted debt. 

This debt originally appeared under XXXX XXXX XXXX ( XXXX ) and was disputed through the proper legal channels. I provided documented evidence to both XXXX and the Consumer Financial Protection Bureau ( CFPB ) that I never attended the XXXX  XXXX XXXX and that the debt was entirely invalid. In response, XXXX submitted a written notice to the CFPB confirming the debt had been placed in restrictive status, and that all collection activity and communication would permanently cease. XXXX also stated they would no longer pursue this debt. Following that confirmation, the tradeline was permanently deleted from all three credit reporting agencies. 

Now, months later, this same account has been unlawfully reassigned to another collection agency, Williams & Fudge, in a blatant attempt to re-age the account and resume collection efforts a direct and knowing violation of federal law.

This is not only an FDCPA Section 807 ( 8 ) violation ( re-aging a debt ), but also FCRA Section 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information with actual knowledge of errors ). The XXXX XXXX XXXX is now complicit in an illegal debt recycling scheme. Both the school and the new agency are fully aware that this matter had already been settled and legally closed. 

The original debt collector, XXXX, acknowledged the error and stood down after evidence was shown yet the University of XXXX chose to resell the same fraudulent account to a new collector, effectively resetting the dispute timeline in bad faith. This not only violates federal law, but also intentionally harms my credit and creates continued emotional distress through repeated attempts to collect a debt that has already been proven invalid. 

I demand the CFPB open an investigation into the University XXXX XXXX and Williams & Fudges conduct, as this appears to be part of a broader abusive pattern of reselling invalid or disputed debt. I request : Immediate and permanent closure of the account A formal cease-and-desist order A written confirmation that no further collection attempts will be made Monitoring of University of XXXX debt assignment practices going forward If unresolved, I will escalate this case to the FTC, my State Attorney General, and begin legal proceedings under 15 U.S. Code 1681 and 1692 for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been unable to access the Citi XXXX XXXX for over a year despite having a Citi XXXX XXXX card, which includes travel-related benefits and bonus points for bookings made through their portal. As a result, I have missed out on significant rewards and the {$100.00} annual hotel benefit included with the card. 

I have contacted Citi multiple times throughout the past year. Representatives have acknowledged the issue but offered inconsistent explanations and no resolution. I was told that the issue is known but there is no fix. I was promised a callbacknever received XXXX. I was also told I would receive points as compensationnone were posted. 

This issue has not been resolved despite my many attempts. It has severely affected the value I receive from this credit card. I am requesting the CFPBs help to escalate this and compel Citi to resolve the issue, restore access, and offer compensation for missed benefits.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Pursuant to XXXX XXXX code XXXX ( XXXX ). A consumer reporting agency XXXX only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to XXXX XXXX XXXX ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I discovered a new XXXX  inquiry reported by XXXX  on my credit report. The XXXX  inquiry was made by CitiBank XXXX ( The Home Depot ) on XX/XX/year>. On XX/XX/year> I called Citibank XXXX Department as well as The Home Depot XXXX XXXX and reported this fraudulent credit card account. XXXX XXXX was able to close this credit card account. They stated that there were XXXX charges that were declined on the account ; first on XX/XX/XXXX for {$740.00} and XXXX  on XX/XX/XXXX for {$1000.00}. On XX/XX/year> directly after speaking with these customer service representatives I placed a credit freeze as well as fraud alerts on my credit report at the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX  A few days later I received the The Home Depot credit card in the mail. I also received a credit card statement in the mail that showed a balance of {$740.00} so I gather the first charge was not declined as I had been told. I called The Home Depot XXXX XXXX again on XX/XX/year> to let them know of the balance on the credit card. They informed me that although the credit card was closed, it had not been labeled as fraud and that they would work on having that done so that I would not be liable for the balance on the credit card statement. They said I would receive physical mail and could follow up with the XXXX XXXX Department. A XXXX ID XXXX  was given to me. They did state that resolution could take XXXX days. I then called XXXX  XXXX XXXX and requested to have the XXXX inquiry removed from my credit report. I also informed them of the closure of the credit card account remaining balance. They directed me to reportfraud.ftc.gov to submit a complaint and stated that I would then receive a report from FTC which I would then have to mail to XXXX  address in XXXX, Georgia with a copy of my social security card, driver 's license, cover letter stating reason for sending report, as well as the account XXXX, balance, and name of the account. This is the reason I am here now submitting a complaint to CFPB, as I was directed here from 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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
On XX/XX/year> at XXXX - The phone number on the called ID on my XXXX  child 's phone came up as " XXXX. '' My child DID NOT answer because she did not know the number. A voicemail was left for her stating it was XXXX XXXX XXXX calling and for my child to return a call immediately to a " XXXX XXXX '' at and XXXX number. No one is on this account other then myself and my own personal information. My XXXX child is NOT on the account AT ALL and neither is any of her information such as phone number etc. This is violation of federal law and my XXXX child 's rights and privacy. My privacy has also been given out to someone who they should not have been able to contact. If it was my child, who else XXXX have been called that I do not know and given my information on the debt? I would like to report this creditor for calling and addressing my XXXX  child to " return their call '' They clearly left all of their information which scared her into who was calling her and why they would want to talk to her. My own name was not mentioned, only my child 's. 

I tried to contact the company and got no response on the issue. I am filing this report in order to take action against this company for breaking federal law and contacting a XXXX  without any permission or reasoning whatso ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to XXXX U.S.C. XXXX, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to XXXX U.S.C. XXXX, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX - XXXX Pursuant to XXXX U.S.C. XXXX, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with explanation