vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I signed up for the XXXX XXXX XXXX XXXX offered by Barclays Bank. The card was opened on XXXX. XXXX of the conditions associated with the card was that if I spent over {$3000.00} on the card within XXXX  days of the opening of the card, I would be granted XXXX XXXX status on my XXXX XXXX  membership, which is associated with this card. This condition states that as long as the customer spends {$3000.00} in net purchases with " transaction '' dates in the first 90 days of new card account opening, they will be granted XXXX XXXX status for 12 months from card open date. 


I spent over {$3000.00} within the first 90 days of card opening in terms of " transaction '' dates. However, Barclays has denied me XXXX XXXX status. Their contention is that {$3000.00} was not spent during the first 90 days. They are using the " posting '' date instead of the " transaction '' date of the transaction for their calculation. I made a transaction of {$510.00} on XXXX which posted on XXXX. This transaction took me over the {$3000.00} threshold. However, they are claiming that since this transaction posted on XXXX, they will not grant me the XXXX XXXX status. 


The wording of the condition for this benefit to be granted is reproduced verbatim here from the Barclays website, from the Rewards and Benefits/ Additional Benefits section : You will earn Instant Elite Gold Status ( " XXXX XXXX '' ) after your first purchase posts to your account, less credits, returns and adjustments ( " Net Purchases '' ) with a transaction date within the first 90 days of new Card Account opening. XXXX XXXX will be awarded XXXX business days after the first Net Purchase posts. In order to maintain XXXX XXXX for 12 months from Card Account open date, you must also spend XXXX XXXX dollars ( {$3000.00} ) in Net Purchases with transaction dates in the first 90 days of new Card Account opening. If you meet your first Net Purchases requirement but do not meet the {$3000.00} Net Purchases requirement, your XXXX XXXX will expire 90 days from new Card Account opening. Failure to maintain your creditworthiness during this offer period may result in actions on your account, such as a credit line decrease, that would reduce your ability to take advantage of this offer. To maintain Elite Gold Status with Frontier Airlines for the promotional period, after qualification, your Frontier Miles account andXX/XX/XXXX XXXX XXXX account must be open, active and in good standing at the time of fulfillment. Status will be awarded to the XXXX XXXX account associated with your XXXX XXXX XXXX XXXX account.

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 2025-12-02 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: NC

Complaint narrative:
I never opened an account with the company " chime '' but i keep getting notfications to my email about " my '' account. I think someone either opened an account with my email address or the company itself opened an account using my address? 

No funds have been taken or added to my real bank account with a completely different bank, but this is still highly disturbing! I don't know if they used my social security number or not, and I have not clicked on the links in any of the emails I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am submitting this complaint because my credit reports with Experian, Equifax, and TransUnion contain multiple inaccurate addresses, improper inquiries, and misreported account information that violate several provisions of the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes directly with the bureaus, the errors remain uncorrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 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: NC

Complaint narrative:
Please see supporting documents pertaining to XXXX  data 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 2025-12-02 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you appear on my credit report. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 
Pursuant to this law, I respectfully request that you provide the following information : XXXX. The name and address of the original creditor. 
XXXX. A detailed statement of the alleged debt, including the amount and how it was calculated. 
XXXX. A copy of the original signed credit card agreement or contract. 
XXXX. Proof that you are legally authorized to collect this debt. 
XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 
XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. 
This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within XXXX  days from your receipt of this letter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you appear on my credit report. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, XXXX U.S.C. XXXX. 
Pursuant to this law, I respectfully request that you provide the following information : XXXX. The name and address of the original creditor. 
XXXX. A detailed statement of the alleged debt, including the amount and how it was calculated. 
XXXX. A copy of the original signed credit card agreement or contract. 
XXXX. Proof that you are legally authorized to collect this debt. 
XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 
XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. 
This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within XXXX  days from your receipt of this letter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you appear on my credit report. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 
Pursuant to this law, I respectfully request that you provide the following information : XXXX. The name and address of the original creditor. 
XXXX. A detailed statement of the alleged debt, including the amount and how it was calculated. 
XXXX. A copy of the original signed credit card agreement or contract. 
XXXX. Proof that you are legally authorized to collect this debt. 
XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 
XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. 
This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within XXXX  days from your receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX TransUnion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Immediate Removal of Unauthorized and Incorrect Accounts Under the FCRA I, XXXX XXXX XXXX XXXX am formally disputing several accounts that appear on my credit report but that I do not recognize, did not open, did not authorize, and have no knowledge of. These accounts represent inaccurate, unverifiable, and potentially fraudulent information. 
ACCOUNTS TO BE DISPUTED XXXX. XXXX Reported : XX/XX/XXXX Account # : XXXX XXXX. XXXX Reported : XX/XX/XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Reported : XX/XX/XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Account # : XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX Account # : XXXX LEGAL BASIS FCRA : FCRA XXXX ( A ) XXXX U.S.C. XXXX FCRA XXXX XXXX U.S.C. XXXX FCRA XXXX ( A ) ( XXXX ) XXXX U.S.C. XXXX FCRA XXXX XXXX U.S.C. XXXX FCRA XXXX ( B ) XXXX U.S.C. XXXX ( b ) FORMAL REQUEST : XXXX. Immediate deletion of all disputed accounts. 
XXXX. Removal of any negative marks or references tied to these accounts. 
XXXX. A free updated copy of my credit report after investigation. 
XXXX. Copies of all documentation used to verify these accounts. 
FINAL STATEMENT : All information in this letter is true and accurate. I expect full compliance with the FCRA. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
I am submitting this follow-up regarding multiple unresolved inaccuracies on my credit reports with Experian, Equifax, and TransUnion, which continue to misrepresent my financial history, identity, and overall creditworthiness. Specifically, my reports list addresses that do not reflect my verified residences, including XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX, which may contribute to misattribution of accounts and identity confusion. Multiple charge-offs, including XXXXXXXX XXXX ending XXXX with a balance of {$1200.00} and XXXX XXXX XXXXXXXX ending XXXX with a balance of {$360000.00}, are reported inconsistently or omitted entirely from Equifax, resulting in incomplete and misleading reporting. Additionally, my public record reflects a XXXX XXXXXXXX Bankruptcy ( Reference # XXXX ) that is federally filed but not reported in Equifax, creating further inaccuracies. These errors violate FCRA 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ), as well as FDCPA 807809, which require accurate, complete, and verifiable reporting, proper debt validation, and correction of disputed information. The cumulative effect of these inaccuracies materially misrepresents my credit profile, potentially affecting credit approvals, interest rates, loan terms, and employment or housing opportunities. I dispute all inaccurate, unverifiable, and misleading information and request immediate reinvestigation and correction.

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 2025-12-02 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: AR

Complaint narrative:
I am submitting this follow-up regarding multiple unresolved inaccuracies on my credit reports with Experian, Equifax, and TransUnion, which continue to misrepresent my financial history, identity, and overall creditworthiness. Specifically, my reports list addresses that do not reflect my verified residences, including XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX, which may contribute to misattribution of accounts and identity confusion. Multiple charge-offs, including XXXXXXXX XXXX ending XXXX with a balance of {$1200.00} and XXXX XXXX XXXXXXXX ending XXXX with a balance of {$360000.00}, are reported inconsistently or omitted entirely from Equifax, resulting in incomplete and misleading reporting. Additionally, my public record reflects a XXXX XXXXXXXX Bankruptcy ( Reference # XXXX ) that is federally filed but not reported in Equifax, creating further inaccuracies. These errors violate FCRA 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ), as well as FDCPA 807809, which require accurate, complete, and verifiable reporting, proper debt validation, and correction of disputed information. The cumulative effect of these inaccuracies materially misrepresents my credit profile, potentially affecting credit approvals, interest rates, loan terms, and employment or housing opportunities. I dispute all inaccurate, unverifiable, and misleading information and request immediate reinvestigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under XXXX U.S.C. XXXX ( a ). 
Under FACTA Title XXXX, Section XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, XXXX U.S.C. XXXX of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at XXXX U.S.C. XXXX et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am disputing multiple credit reporting violations involving XXXX collection agencies : XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts were previously closed, and without any notice to me, they were reopened and reinserted on my credit reports as of XX/XX/year>. I did not authorize, initiate, or receive any communication regarding the reopening of these accounts. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), including : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) The bureaus and furnishers must provide written notice within 5 business days if information is reinserted after removal. I received no notice of any reinsertion.

FCRA 623 ( a ) ( 1 ) ( A ) A furnisher may not report information they know or should know is inaccurate. Reopening a closed account without verification is inaccurate and misleading. 
FCRA 607 ( b ) Credit reporting agencies must maintain maximum possible accuracy ; reopening a previously disputed and closed account without proof violates this requirement. 

XXXX alerted me that these closed collection accounts were suddenly reopened and flagged as Possible Credit Report Errors, which confirms that these changes were not authorized or legitimate. I have repeatedly disputed these accounts, and they were previously resolved. This reopening appears to be unverified reporting, improper reinsertion, and/or furnishing of inaccurate information. 

These actions have caused harm to my credit score, creditworthiness, and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
i am dealing with identity theft. 

A federal student loan was taken out using my information for a college called XXXX University back in XX/XX/year> the amount just over {$6200.00}. i received college acceptance letters in the mail along with a packet from the loan servicer Nelnet. I called the servicer and informed them of the fraudulent activity and asked how to resolve the issue. I made a police report and filed identity theft with the federal trade commission. Contacted the college and got access to the promissory notes through federal student aid website in which the college stated the applications were filled out in XXXX based on their online information. I also disputed the fraudulent accounts with all three credit bureaus while placing a 1 year freeze on my credit which in time they were wiped from my credit account about XXXX weeks ago from all three. Nelnet mailed a packet with information to fill out along with additional information they requested from myself about a week after the initial call and I sent that by mail as requested. Months went by without any word on the status, so i called again a few weeks ago i can not remember the date. i was asked to do it online so once again filled out the form and uploaded all the information they requested. Today i received a notice in the mail from Nelnet stating Nelnet will not continue the dispute into my identity theft and everything is as it should be. i have filed with fed student aid, Federal trade comission, local police, and nelnet. i have uploaded supporting documents such as FTC report, police report, my California real ID and Passport, residency documents, multiple signatures and multiple copies of their " loan discharge applications '' for identity theft. I have exhausted all options into getting this handled and need a helping hand in getting my information wiped from their systems so they can not continuously report out fraudulent activity to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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