vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
b'I am filing a complaint against Barclays US regarding mishandling of a chargeback request.\nI purchased a XXXX XXXX business-class ticket on XXXX XXXX XXXX (Ticket 7XXXX XXXX) using my Barclays XXXX XXXX XXXX. XXXX XXXX canceled the flight XXXX) on XXXX XXXX XXXX, and failed to issue a refund. I declined their alternative offer and requested a full refund.\nI contacted Barclays to initiate a chargeback but encountered repeated issues. Due to a separate fraud incident in XXXX XXXX, my original card (ending XXXX) was canceled and replaced by card XXXX, then replaced again by card XXXX. Barclays provided inconsistent explanations about why the chargeback could not proceed, blaming the card cancellation, then reopening a new dispute, then transferring the case to the XXXX dispute team.\nI was told the dispute was opened XXXX XXXX XXXX, but it remains in "Pending State." I have received no written confirmation of provisional credit, no clear timeline, and no resolution despite multiple calls and assurances.\nBarclays has made the chargeback process confusing, delayed, and unnecessarily difficult, even though Visa and consumer protection rules clearly allow disputes after card replacement for canceled services.\nI request immediate chargeback processing for XXXX, written confirmation of final resolution, and an investigation into Barclays\' mishandling of credit card dispute procedures following card replacement due to fraud.'

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy that appears on my credit file. I have obtained an official letter from the court that clearly confirms this bankruptcy should not be reported to any credit bureau. Despite this clear directive, it remains listed on my report, which is not only incorrect but also damaging to my credit profile. Whats even more concerning is the involvement of an unauthorized third party in this matter. This raises serious concerns about the accuracy, security, and handling of my personal information, and further highlights the urgent need for a thorough review and immediate correction of this issue.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-28 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-28 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: VA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-04-28 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: Hometap Equity Partners, LLC
State: NJ

Complaint narrative:
I was not provided ANY proof that i permitted a hard credit pull vs soft pull. I as told that a hard pull was only to be on my report if I was pre-approved for credit line via soft pull. I never received ANY kind of credit relationship. Please delete hard pull inquiry. I was asked if I ever had foreclosed on a house. I truthfully responded no. 
They said based on my answers I was approved for home share funds. It was communicated to me after I was approved that they saw my house previously was in foreclosure & my loan was denied. Now with an unapproved inquiry on my credit. I would have told them that there were missed payments if they had asked. They did not. Please remove inquiry.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting incorrect personal information on my credit report. Specifically, it lists my current address as XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which is not valid. Additionally, it incorrectly lists my previous names, including XXXX XXXX. This is a direct violation of 15 USC 1681e ( b ), which requires accuracy in the reporting of personal data.

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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) This formal complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to demand the immediate blocking of fraudulent information appearing on my consumer credit report. This action is requested pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that you block information resulting from identity theft within four ( 4 ) business days of receiving this notification. 

The following fraudulent, inaccurate, and false information, directly resulting from identity theft, is present on my credit report and must be blocked : A personal loan account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/year> under the account number ( private ). 

These fraudulently opened accounts have generated in unwarranted collection attempts being reported on my consumer FICO credit report. As evidence, I have attached a detailed list of these fraudulent collections, accounts and a copy of my consumer FICO credit report, as maintained by TransUnion, clearly displaying these fraudulent items.

I unequivocally state that I do not recognize any of the aforementioned accounts or associated collections. These entries on my credit report were neither initiated, authorized, nor made by me. All of these negative items are a direct consequence of identity theft and fraud, causing significant damage to my creditworthiness and financial well-being. Further irrefutable proof of this identity theft and fraud is provid
ed in the attached copy of the official Federal Trade Commission ( FTC ) Identity Theft Criminal Complaint # ( private case number ). This report substantiates that the disputed items are indeed the result of criminal activity and not legitimate financial obligations incurred by me.

Therefore, in accordance with my rights under the FCRA 605B, I demand the immediate blocking of all the identified fraudulent information from my credit report within the statutory timeframe of four ( 4 ) business days. Your prompt attention to this urgent matter is required to rectify the inaccuracies caused by this 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX - first letter to TransUnion XXXX - sent first certified letter to dispute personal information XXXX - delivered and received certified letter XXXX - dated copy of report XXXX - sent 2nd certified letter to dispute personal information and validation of 3 charge off accounts XXXX - delivered and received certified letter XXXX - email confirming reciept of dispute XXXX - email confirming 3 days status XXXX - email confirming 5 days status XXXX - email confirming 7 days status XXXX - email and account update from XXXX  my charge off for XXXX  has been deleted XXXX - email from my online bank showing charge off for XXXX  was active and reporting on my credit report ( states to reach out to Transunion for questions ) dropped XXXX points on XXXX XXXX XXXX - unable to log into transunion account, unable to verify with online chat, and called and spoke with live agent XXXX who could not explain my dispute, help me locate my dispute, not able to view report and requested it to be escalated to a supervisor. Was told I would get a call back within XXXX hours. call was made at XXXX central time on XXXX. Nothing on my personal information or accounts were updated, removed or noted.

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 2025-04-28 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: IL

Complaint narrative:
To Whom It May Concern, This is now my second formal complaint to the CFPB regarding persistent identity theft and the illegal retention of false, derogatory tradelines on my credit profile. Despite submitting an FTC Identity Theft Affidavit, police report, and documentation under FCRA 605C and XXXX, Equifax continues to willfully report fraudulent data that is causing me significant financial harm. 



Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX XXXX  XXXX ( XXXX / XXXX ) Repeatedly disputed. I never opened these accounts, yet they are verified without presenting a signed contract or original application, violating FCRA 611 and 623. 
XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) One account deleted, yet the other was kept, despite identical disputed criteria. This is contradictory and violates FCRA 1681i and 1681e ( b ). 
XXXX. XXXX XXXX XXXX XXXX ( XXXX / XXXX / XXXX ) These tradelines were confirmed without a single piece of authentication from the original lender. No signed documentation was ever produced. Violation of FCRA 609 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX ( XXXX ) Inflated balance, no validation, XXXX day delinquency without proof. FCRA 623 ( a ) ( 5 ) violation. 
XXXX. XXXX. of XXXX / XXXX XXXX open loans from XXXX that continue to report negative history. These should be removed under FCRA 605 ( a ) ( 7-year limit ) and 611 ( failure to reinvestigate ), and challenged under FCRA 605C as part of my trafficking affidavit. 



Legal Statutes Violated : FCRA 605C Mandatory removal of accounts for victims of trafficking and coercion FCRA 605B Blocking of identity theft-related tradelines within 4 business days FCRA 609 ( a ) Right to documentation and proof of ownership FCRA 611 ( a ) Reinvestigation required within 30 days FCRA 623 ( b ) Furnisher failure to investigate disputes FDCPA 809 Debt validation required XXXX XXXX XXXX XXXX State law against reporting unverified derogatory info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
To Whom It May Concern, This is now my second formal complaint to the CFPB regarding persistent identity theft and the illegal retention of false, derogatory tradelines on my credit profile. Despite submitting an FTC Identity Theft Affidavit, police report, and documentation under FCRA 605C and XXXX, Equifax continues to willfully report fraudulent data that is causing me significant financial harm. 



Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX XXXX  XXXX ( XXXX / XXXX ) Repeatedly disputed. I never opened these accounts, yet they are verified without presenting a signed contract or original application, violating FCRA 611 and 623. 
XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) One account deleted, yet the other was kept, despite identical disputed criteria. This is contradictory and violates FCRA 1681i and 1681e ( b ). 
XXXX. XXXX XXXX XXXX XXXX ( XXXX / XXXX / XXXX ) These tradelines were confirmed without a single piece of authentication from the original lender. No signed documentation was ever produced. Violation of FCRA 609 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX ( XXXX ) Inflated balance, no validation, XXXX day delinquency without proof. FCRA 623 ( a ) ( 5 ) violation. 
XXXX. XXXX. of XXXX / XXXX XXXX open loans from XXXX that continue to report negative history. These should be removed under FCRA 605 ( a ) ( 7-year limit ) and 611 ( failure to reinvestigate ), and challenged under FCRA 605C as part of my trafficking affidavit. 



Legal Statutes Violated : FCRA 605C Mandatory removal of accounts for victims of trafficking and coercion FCRA 605B Blocking of identity theft-related tradelines within 4 business days FCRA 609 ( a ) Right to documentation and proof of ownership FCRA 611 ( a ) Reinvestigation required within 30 days FCRA 623 ( b ) Furnisher failure to investigate disputes FDCPA 809 Debt validation required XXXX XXXX XXXX XXXX State law against reporting unverified derogatory info

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 2025-04-28 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
I applied with Better Mortgage and received a quote to to refinance and cash out equity in my property. I was advised I would receive an additional $ XXXX at closing. During the process the amount quoted has changed several times to now I owe for closing. During this process I have provided docs for bank statements and due to my name not on the address line they are not proceeding but I have from the bank showing I am listed on the account which payments are made from. Also other issues being when the appraisal was done the appraiser said she couldn't locate comps so had to order a new appraisal. We started in XXXX and was told we could close in 3 weeks. We are now at the end of XXXX and they are saying they will deny my loan due to the bank statement issue. I know loan closers and what was provided will suffice for fha. I have requested a refund for the appraisal and rate lock. Awaiting response

Company response to consumer: Closed with explanation