vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, three recurring charges of {$690.00} each were posted to my Barclaycard account by XXXX XXXX XXXX, totaling {$2000.00}. These charges were not authorized. 

The merchant submitted a contract during the dispute process that was not signed by the cardholder and instead listed a third party as the buyer. The cardholder never authorized recurring billing, a monthly membership, or an 11-month term.

Written cancellation was sent to the merchant on XX/XX/XXXX, prior to all disputed charges. Despite cancellation, charges continued on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Follow-up refund requests were sent on XX/XX/XXXX and XX/XX/XXXX, with no response from the merchant. 

A dispute and subsequent second-level review were submitted to Barclays. Barclays denied the dispute, stating the merchant did not violate the contract, without identifying any authorization linking the cardholder to recurring charges.

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 2025-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Service International Corp
State: GA

Complaint narrative:
I am submitting this complaint regarding Credit Service international for inaccurate credit reporting and improper collection of medical debt related to XXXX XXXX XXXX XXXXXXXX XXXX associated with this account were rendered as a result of an accident involving a roadway ( defect ) pothole. At the time of the treatment, the bill was subject to a third liability claim against the city of XXXX. An attorney was retained ( XXXXXXXX XXXX XXXXXXXX ) and a claim was pursued ; however the city denied fault and no settlement was paid. Despite the unresolved third party liability status the hospital account was prematurely placed with a collection agency and reported as a consumer medical collection/charge off. Additionally the agency is reporting the account inaccurately by classifying it as a chargeoff and by reporting monthly late payment history which is not permissible for a medical collection account. I have disputed this account with all three credit reporting agencies and with the collection agency. To date no proof of proper authorization no proof of third party billing avenues were exhausted and no HIPAA-complaint verification was provided. I am requesting that CFPB investigate this matter and require correction or deletion from my credit report. This complaint is submitted in good faith and is not an acknowledgment of liability

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-12-22 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law.

Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Account created : XX/XX/year> Loan amount : XXXX I am a victim of identity theft involving a fraudulent vehicle loan opened in my name without my authorization. 

I submitted extensive and official documentation to Santander Bank, including : - A police report - An FTC Identity Theft Report - My true signature, notarized and certified - Evidence showing the fraudulent auto loan contract does NOT contain my legal signature, legal address, or legal phone number Despite this clear and legally valid evidence, Santander Bank denied my fraud claim and failed to provide any proof that I authorized or signed this vehicle loan. 

Santander Bank did not conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) and federal identity theft laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am the executor and authorized representative for the Estate of XXXX XXXX, who died on XX/XX/year>, while in XXXX. 

Between XX/XX/XXXX and XX/XX/year>, unauthorized XXXX transfers, XXXX withdrawals, and wire transfers totaling {$27000.00} were made from his Chase checking account, with additional funds transferred from his savings account. These transactions occurred after his death, when he could not have authorized any activity, and were made by individuals who stole his phone. 

On XX/XX/year>, I contacted Chase to report his death. I was told that because I was not a customer, Chase would not take a report and that I must wait to present a death certificate in person. On XX/XX/year>, I provided the death certificate at a Chase branch. 

Chase later denied the fraud claim, stating that XXXX denied it because the same device had been used previously. This reasoning is inconsistent with Regulation E ( 12 CFR 1005 ), which defines unauthorized electronic fund transfers based on actual authority, not device usage. A deceased customer can not authorize any transaction. 

Under 12 CFR 1005.11 and 1005.14, the bank holding the accountnot XXXX responsible for investigating and resolving unauthorized electronic fund transfer claims. Chase improperly directed me to contact XXXX and failed to conduct a Regulation Ecompliant investigation. 
In addition, unauthorized wire transfers must be investigated and reimbursed under UCC Article 4A, as the customer was deceased and could not have executed or approved any payment order or security procedure.

I escalated this matter to Chases Executive Office and sent a follow-up email. Chase has not responded. 

I am requesting that Chase be required to : Reopen and properly investigate all unauthorized transactions Comply with Regulation E and UCC Article 4A. Reimburse the estate for the unauthorized transfers totaling {$27000.00}. 
Address its failure to accept a fraud report promptly and its failure to respond to XXXX escalation. 

XXXX XXXX Executor / Authorized Representative Estate of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
Can you verify this entry? It was done late and could contain errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I am disputing the accuracy and verifiability of a collection account reported by CBE Group on my XXXX  credit report. CBE Group is furnishing this account without providing competent evidence that the debt is valid, that I am legally obligated to pay it, or that they have the authority to report it. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), information that can not be verified must not be reported. Because this account is inaccurate and unverifiable as furnished, I am requesting its deletion from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-12-22 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-12-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2025-12-22 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: TX

Complaint narrative:
I have no association with these accounts and request their prompt deletion within 15 days.

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 2025-12-22 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: NV

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am disputing the accuracy of this account and requesting full deletion of the tradeline.

This account was opened without full disclosure of my rights as a consumer, including disclosure of the true nature of the transaction and the fact that I provided the thing of value. The creditor has never demonstrated that it extended its own funds independent of my signature, personal identifying information, or promise to pay.

Under 15 U.S.C. 1602, credit is the right to defer payment of a debt. The creditor has failed to show that it lawfully extended credit rather than relying on my credit and agreement as consideration.

I am formally requesting the complete on-ledger and off-ledger accounting for this account, including proof of any actual financial loss. No evidence has been provided that the creditor has suffered a loss or that this account was not offset, insured, securitized, or otherwise satisfied.

Continued reporting without producing this documentation constitutes inaccurate and misleading reporting under the FCRA and is causing ongoing financial harm.

If the creditor can not fully substantiate this account, I am requesting immediate deletion from all consumer reporting agencies.

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 2025-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Noticed account was locked on Saturday when trying to login. Called immediately. Was told they couldn't do anything and a manager would call me at XXXX XXXX  on Monday. At XXXX XXXX  I had not heard from a manager. I called back and was told a manager would call me back.

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 2025-12-22 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: MA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NM

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
A collection account is reporting inaccurate and unverifiable information on my credit report. The account reflects a future date opened, inconsistent account classification, and missing required payment history. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. This requirement has not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
THIRD ATTEMPT : TRANSUNION XXXX XXXX XXXX IS VIOLATING MY PRIVACY RIGHTS AND RIGHTS TO FAIR CREDIT REPORTING. I SENT TRANSUNION A IDENTITY THEFT DISPUTE ALONG WITH A FTC REPORT DOCUMENTING FRAUDULENT ACCOUNTS. I MAILED TRANSUNION A ID THEFT DISPUTE XXXX WEEKS AGO AND I SENT XXXX IN VIA ONLINE AND THRU XXXX XXXX. TRANSUNION IS NOT FOLLOWING FCRA LAWS WHEN IT COMES TO IDENTITY THEFT. TRANSUNION IS STILL ALLOWING XXXX XXXX XXXX  XXXX AND XXXX XXXX TO UPDATE MY CREDIT FILE AFTER I SENT IN A CEASE AND DESIST FOR BOTH CREDITORS TO STOP HAVING ACCESS TO MY PERSONAL INFORMATION. THIS ACCOUNT WAS NOT BLOCKED WITHIN XXXX DAYS PER FCRA, BUT TRANSUNION SENT ME AN EMAILED ACKNOWLEDING RECIEPT OF MY ID THEFT DISPUTE AND SAID IT WOULD TAKE 30 DAYS. THIS IS VIOLATING MY RIGHTS AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALL INQUIRIES FROM THEM SHOULD BE REMOVED AND BLOCKED FROM CREDIT FILE FROM TRANSUNION IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief