vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX, during our XXXX trip planning time, I see a temporary charges on my account that I don't recognize. I called the credit card company immediately, my card was immediately canceled and a new replacement card was ship overnight to me. 

A month later on XX/XX/XXXX, credit card company sent a letter stated that " determined the activity is valid '' without any details. The posted amount was shown differently ( on current account {$170.00} vs letter stated {$170.00}. I called on XX/XX/XXXX demanding an explanation and no info was provided besides the case request is submitted. I called on XX/XX/XXXX again and no status was update, but it is the first time I heard that the charges was an online order with my information. I requested vendor info and phone number but Barclays fraud department failed to locate and provide. 

I got a voicemail on XX/XX/XXXXXXXX XXXX  to call back, I called back within 10 mins, spend the next 50 mins on the call and no one in the fraud department can find any record of such call. The case was escalated to the manager and I was told I will get any answer within 24-48 hours. 

Today XX/XX/XXXX, received a letter on the credit card portal that the case " We have completed a detailed review of your claim and, based on the information available, have concluded that the transaction ( XXXX ) you identified are not fraudulent. We have updated our records to reflect that the investigation into your fraud claim has been completed. '' again without any details of the investigation or record on what kind of charges or how the company determine the case. 

I have called multiple times and I have stated clearly I have proof on what activities I have planned and attended on our trip to show them I don't book with random companies, all expenses that I recognized and I pay them accordingly. Barclays investigation is black-box internal and do not take any support documents request that I have requested during the investigation. 

I am now left with the charges on my account that I am responsible for and in the letter it stated " You remain responsible for the account and/or the previously disputed balance, along with any associated finance charges and fees, as stated in your Cardmember Agreement. If needed, we are sending updated information about your account to the Credit Reporting Agencies. If the disputed amount has not been paid, it will remain as a discrepancy on your credit report. '' I am left with no help.

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 2025-08-06 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 am writing to formally dispute the reporting of accounts that appear on my credit report under my name without my authorization or knowledge. I have never opened, managed, or consented to these accounts, and their presence is both inaccurate and misleading. 

This is a serious breach of my personal credit history and has caused considerable concern. I respectfully request a thorough investigation into these accounts, including identification of the entity that reported them.

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 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-06 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
There are fraudulent accounts associated with me appearing on my credit report. I am a victim of identity theft.

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 2025-08-06 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
There are fraudulent accounts associated with me appearing on my credit report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I submitted a written dispute to TransUnion that was received on XX/XX/year>, requesting verification of two accounts : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  This letter was sent via certified mail with tracking number XXXX. TransUnion responded stating that both accounts had been verified. 


After reviewing their response, I found that the inaccurate and misleading information remained on my credit report. I then sent a second dispute letter, which was received by TransUnion on XX/XX/year>, via certified mail tracking number XXXX. In this letter, I identified the specific reporting inaccuracies and formally requested deletion of both accounts due to failure to correct the issues. 



Instead of removing the accounts, TransUnion responded to my letter ( which was received XX/XX/year> ) with an updated credit report that made the negative reporting worse. This third letter was sent certified mail tracking number XXXX. 



Here are the ongoing issues : The XXXX XXXX XXXX  account now reflects a {$20000.00} past due balance with a last payment date of XX/XX/year>, even though it is charged off. This falsely implies an active delinquency, which is misleading and inaccurate. 
The XXXX XXXX XXXX  account still shows a {$570.00} past due balance, despite being charged off. Charged-off accounts can not legally report ongoing past due amounts. 



These reporting practices are inaccurate, harmful, and violate FCRA requirements for accuracy and fair reporting. I am requesting that these accounts be immediately deleted from my credit file due to XXXX failure to address the errors after multiple certified disputes.

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 2025-08-06 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-06 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with TD BANK or any of the affiliates. I have confirmed and advised TD BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how TD BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that TD BANK has the right to investigate and obtain all necessary information prior to approving any credits, TD BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, XXXX must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that TD BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to TD BANK 's online advertisement, TD BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from TD BANK stating that my information was used or attempted to be used in order to open an account. Thus, TD BANK has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, TD BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for TD BANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
My identity has been compromised and there are fraudulent and inaccurate items on my credit report. I reached out to XXXX and asked them to furnish me with documentation of my signature and id stating this account belongs to me more than 30 days ago and they still have not provided this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My identity has been compromised and there are fraudulent and inaccurate items on my credit report. I reached out to XXXX and asked them to furnish me with documentation of my signature and id stating this account belongs to me more than 30 days ago and they still have not provided this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
in early XXXX I opened a Chime account because I am on a very strict budget from a XXXX XXXX XXXXompany. I need to be able to make sure that my health insurance gets paid every month so I transferred enough money to this account to cover it. I made one transaction to XXXX XXXX and then all of my other transactions on my account were unauthorized in the amount of {$440.00}. Chime said that they were going to do a deep investigation which they did and came back that there was no issue on their end twice! So I am completely out the {$440.00} and dont seem to get anywhere with their customer support. on XX/XX/XXXX there were two transactions from my XXXX XXXX which I do not have any kind of XXXX XXXX  account. Directly after within an hour two transactions were made that basically cleared out my entire account except {$5.00}. when was to XXXX for {$210.00} and the second was to XXXX XXXX products for {$210.00} its convenient how both of these phone numbers seem to be to XXXX boxes. It seems to me that who ever was able to retrieve my numbers spent the exact amount of what was in my account. earlier that morning I was using the plaid platform to verify an account to make a transfer and these transactions happened right after

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Subject : Cease and Desist Notice Unauthorized Sharing of Personal Credit Information Dear Innovis Compliance Department, This letter serves as a formal Cease and Desist notice concerning the unauthorized access, use, and dissemination of my personal credit and consumer information.

Under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my legal right to revoke any and all consentexpress or impliedthat may have been presumed or previously given, whether directly or indirectly, to your company, Innovis, to share, transmit, report, or disclose my personal, financial, or credit information to any third-party entities, including but not limited to XXXX XXXX XXXX XXXX 
I have not entered into any contract or agreement with Innovis to authorize the collection, use, or distribution of my credit file or personal data. The sharing of this information, without my consent, constitutes a violation of my rights and has directly resulted in harm to my creditworthiness and personal reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( S ). Block and Remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
I did not consent to authorize nor benefit from the following account ( S ). Block and Remove

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 2025-08-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I am in the process of buying a new home. The bank providing the mortgage asked why there was a credit inquiry from USAA/XXXX on XX/XX/25. USAA was unable to provide an explanation.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A states : I have the right to privacy.

15 USC 1681 Section 604 A2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681C A5 states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse items of information other than records of crimes which antedates the report by more than 7 years.

15 USC 1681 5-2 A1 states : A person shall not furnish any information to a consumer reporting agency if that 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 explanation
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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