vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) to report BARCLAYS BANK XXXX failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal written dispute directly with BARCLAYS BANK DELAWARE regarding the inaccurate reporting of Account No. XXXX. I specifically requested that the company conduct a proper reinvestigation, verify the accuracy of the account, and provide me with written confirmation of the findings as required by 15 U.S.C. 1681s-2 ( b ).

Despite allowing sufficient time for reinvestigation, BARCLAYS BANK DELAWARE has failed to respond or provide documentation proving the validity of the reported information. This inaction constitutes a violation of the FCRA, as furnishers are required to promptly investigate consumer disputes and report accurate, verified results to the credit reporting agencies. The continued reporting of unverified or inaccurate information has caused harm to my credit reputation and reflects willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. 

I am respectfully requesting that the CFPB intervene and require BARCLAYS BANK DELAWARE to immediately verify or delete the disputed account from my credit file. Additionally, I ask that the furnisher provide a written explanation of its reinvestigation process, the method of verification used, and a copy of any supporting documentation relied upon to validate the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) regarding inaccurate late payment notations on two accounts listed on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$560.00} and XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}. Despite my submission, these late payment entries continue to appear on my credit report without any explanation or verification from the credit bureau. Their continued presence without proper validation constitutes a violation of my rights under FCRA, including the requirement for maximum possible accuracy, and potentially under the FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NC

Complaint narrative:
I am submitting formally dispute and request an investigation into several accounts that are inaccurately being reported on my credit file. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 605 ( a ) ( 15 U.S.C 1681c ) Obsolete Information, 623 ( a ) ( 5 ) Obligation to Report Accurate Date of First Delinquency ( DOFD ), and 604 ( a ) ( 3 ) Permissible Purpose. Each account listed below contains reporting errors, misleading information, or outdated data that adversely affect my creditworthiness. I respectfully request a thorough investigation and deletion or correction of these accounts in compliance with federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my Transunion consumer XXXX credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a personal loan account opened at XXXX XXXX XXXX XXXX under account number XXXX in the amount of {$12000.00}. This fraudulent account has resulted in inaccurate and damaging information appearing on my Transunion consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from my Experian credit report and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 

This is a formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Transunion immediately XXXX and permanently remove the following fraudulent account, including any related collections, charge-offs, late payments, and hard inquiries, that was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity and not any legitimate consumer transaction. This fraudulent, inaccurate, and false information consists of an installment account opened at XXXX XXXX Account XXXX. XXXX, Date Opened : XX/XX/year>. 

This account was added without my knowledge or authorization and is the direct result of fraudulent activity, not any legitimate consumer transaction. In support of this request, I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Transunion XXXX breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: TX

Complaint narrative:
The original debt owner, XXXX XXXX XXXX XXXX 's legal counsel filed a motion for a take none judgement in XXXX XXXX XXXX XXXX at Law on this matter and the judge dismissed the entire case as a result of their inability to produce their own material witness in my case which resulted in the invalidating of the debt and the discharge of responsibility in regards to the account in addition to this debt collector not holding a current bond to legally collect debt in my state which prohibits them from doing exactly what is happening here and further they are adding interest to the balance which I do not believe to be permitted in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I disputed a over charge from a hotel and chime didn't give a provisional credit. They told me I approved it when I said I didn't. This was around the time my purse wallet and phone was stolen by my ex. I have police reports and claims I made over XXXX in money stolen. Then they decided to close my account with no explanation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I filed a dispute through the CFPB portal against Early Warning Services , LLC ( EWS ) in XX/XX/year> because of inaccurate and outdated information appearing in my consumer file. I included complete identity and verification documents my U.S. Passport Card, Marriage License ( showing my legal name change ), and XXXX XXXX XXXX ( confirming my current address in XXXX, WA ). 

On XX/XX/year>, Early Warning responded by claiming that my dispute lacked sufficient information and could not be investigated. This statement is inaccurate and misleading, as all standard identification and proof of residence documents were already included in my CFPB submission.

In my original CFPB complaint, I also requested that Early Warning : Conduct a manual reinvestigation under FCRA 611 ( a ) ; Verify that all furnishers and data sources were licensed and authorized to operate in Washington State under RCW 19.16.110 ; Delete or correct any unverifiable, outdated, or duplicate data ; Provide full disclosure of my file under FCRA 609 ( a ) ( 1 ), including all data elements, furnishers, and inquiry history ; and Acknowledge and update my legal name and address based on my submitted documentation. 

Early Warning failed to perform or document any of these actions. Their response letter did not specify which information was missing, what data they reviewed, or whether they contacted any furnishers. This lack of detail indicates that no genuine reinvestigation occurred. 

The companys conduct violates FCRA 607 ( b ), 609, and 611, 12 C.F.R. 1022.43, and potentially DoddFrank 1031 and 1036 for unfair or deceptive acts and practices ( UDAAP ). Other agencies such as XXXX XXXX and XXXX accepted the same identity documents without issue, confirming that Early Warnings refusal to proceed was unjustified and obstructive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: OH

Complaint narrative:
they meaning ouro global, netspend, XXXX  XXXX  bank etc. has a patent on the products and services i use, and offers insurance and they cacelled it they are liable and they have violated my rights over XXXX times this is fraud and ridiculous and they have all failed me even i made official demands in writing with affidavits and statements im so disappointed and my identity theft reports nothing is working correctly no one is helping me either claim whats mines i want my reimbursement money to me not held at the bank by a custodian i didn't choose. and the disclosure reports and judgements against me are all from identity theft i been going through. i know i qualify for the civil penalty fund which is also not clear on getting it claiming it. please help. XXXX here seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Phone never issued, never used for phone calls and text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Complainant : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Fraudulent Account Reporting Violation of the Fair Credit Reporting Act I am filing this complaint regarding a fraudulent collection account appearing on my credit report. The account is listed as follows : Collection Agency / Debt Buyer : Resurgent / LVNV Funding Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account, {$670.00} past due as of XX/XX/XXXX Balance Updated : XX/XX/XXXX Balance Owed : {$670.00} On Record Until : XX/XX/XXXX I did not open, authorize, or have any relationship with this company or the original creditor. I have received no signed agreement, billing statements, or verification linking this account to me. This account is fraudulent and is causing harm to my credit. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) : Requires prompt reinvestigation and deletion of unverifiable or inaccurate information within XXXX  days.

15 U.S.C. 1692g ( b ) : Prohibits debt collectors from continuing collection efforts until the debt is properly validated. 

I request the CFPBs assistance to ensure this fraudulent account is fully investigated and permanently removed from all credit reports. Resurgent / LVNV Funding must provide the original signed contract, complete payment history, and proof of assignment. If such evidence can not be produced, the account must be deleted immediately. 

This false reporting has harmed my credit reputation and financial opportunities. I request confirmation that the account is deleted and that all reporting agencies correct any resulting credit score impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Phone : [ Your phone number ] Date : XX/XX/XXXX Subject : Fraudulent Account Reporting Violation of the Fair Credit Reporting Act I am filing this complaint regarding a fraudulent account appearing on my credit report. The account is listed as follows : Collection Agency : Transworld Systems Inc. 
Original Creditor : XXXX XXXX XXXX XXXX : {$430.00} Status : Unpaid Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Account Number : # # # # # # XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX I never opened or authorized this account. I have no contract, payment history, or documentation showing this debt is mine. The presence of this account on my credit report is inaccurate and damaging. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. Reporting an account without verifying identity or authenticity violates this section.

15 U.S.C. 1681i ( a ) : Requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any item on their report. Failure to correct or remove unverifiable data within XXXX  days violates this section. 

I have contacted the credit bureaus to dispute this entry, and I am requesting your assistance to ensure this fraudulent account is investigated and removed. 

I also request confirmation that Transworld Systems Inc. has provided the original signed contract, proof of assignment, and validation under 15 U.S.C. 1692g ( b ) ( FDCPA ). If they can not produce this documentation, the account should be deleted from all credit files.

This account has caused ongoing harm to my credit reputation and financial standing. I request full removal of the account and written confirmation once the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: PA

Complaint narrative:
According to 15 USC 1681 c-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: NV

Complaint narrative:
XX/XX/year> {$480.00}, request prof that this is mine, no information received from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-10-29 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: SC

Complaint narrative:
I am submitting this statement to document my ongoing efforts to resolve inaccurate or incomplete information being reported on my credit files. I have followed the dispute procedures outlined under the Fair Credit Reporting Act ( FCRA ) and have provided each credit bureau with the necessary documentation and explanations to support my concerns. Despite these efforts, I have continued to notice inconsistencies that do not reflect the true and accurate status of my accounts. I am exercising my right to request a proper reinvestigation and verification process, as required under 15 U.S.C. 1681i and 1681s-2, to ensure that all information being furnished and reported about me is accurate, complete, and fairly presented. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 lates 150 days My only goal is to maintain accuracy and integrity within my consumer credit files. I have acted in good faith, communicated directly with the reporting agencies, and supplied valid supporting records confirming my identity and the details of my accounts.

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