vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am responding to Barclays ' letter dated XX/XX/XXXX, regarding the JetBlue Plus Card account ending in XXXX. I dispute the legitimacy of this account and its reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to request a reinvestigation of any inaccurate or unverified item on my credit report.

Barclays has failed to provide a wet-ink signature, a full chain of custody, or legally sufficient proof that I authorized or opened this account. An electronic application without certified authentication does not satisfy the standard for validation under 15 U.S.C. 1692g ( b ) of the FDCPA, especially where identity theft or unauthorized use is suspected. Their refusal
to provide a Form 1099-C also raises questions about how they classified or disposed of this debt. 

Furthermore, under XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), a data furnisher must conduct a reasonable investigation beyond matching personal identifiers. Barclays acknowledges that the account has been in dispute since XX/XX/XXXX and shows a {$0.00} balance, which contradicts XXXX XXXX XXXX ' active collection and reporting of a {$3400.00} balanceindicating duplicate or inconsistent reporting. 

Under 15 U.S.C. 1681s-2 ( b ), both Barclays and XXXX have XXXX duty to investigate and correct or delete any disputed information that can not be fully verified. I have not received lawful validation that XXXX owns the debt or that Barclays lawfully transferred it with proper authorization. Continued reporting without meeting legal validation standards is not only misleading but may also constitute willful noncompliance, actionable under 15 U.S.C. 1681n and 1692k.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
I believe the account is invalid. HALSTED FINANCIAL SERVICES LLC ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.HALSTED FINANCIAL SERVICES XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate/Incompletely Reported Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information on my Equifax credit report, confirmation number XXXX. This is a request for investigation under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Specifically, I am disputing the following accounts : -- - XXXXXXXX XXXX XXXX XXXX XXXX ( Acct # : XXXX ) XXXX XXXX - The account is reported as a charge-off account with the date of first delinquency listed as XX/XX/XXXX. 
- According to the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ), charge-off information may not be reported for longer than 7 years plus 180 days from the original delinquency.

- The account has not had any valid updates since the last payment in XXXX, yet it remains active on my report in XX/XX/XXXX, potentially impacting my creditworthiness inaccurately. 
- Please delete or correct this account based on statutory time limits and account status. 

-- - XXXX. XXXX XXXX XXXX  ( Acct # : XXXX ) XXXX XXXX - The account reflects a negative available credit of XXXX, which is a factual impossibility on a closed or charged-off revolving account. 
- This violates the accuracy standard of the FCRA ( 15 U.S.C. 1681e ( b ) ) and the furnishers duties under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to avoid reporting inaccurate information.

- Additionally, this negatively skews my credit utilization ratio and financial health depiction, which further constitutes harm under inaccurate reporting standards. 

-- - Please conduct an investigation under 15 U.S.C. 1681i ( a ) and correct or remove the inaccurate information. If you find the information is indeed inaccurate, incomplete, or unverifiable, I request that it be * * deleted entirely * * from my credit report.

Additionally, if these accounts are verified, I respectfully request that you provide : - The full method of verification. 
- The name and address of each data furnisher. 
- Any documentation provided by the furnisher that supports their claim. 

I have enclosed a copy of my credit report highlighting the disputed entries. 

Sincerely, XXXX XXXX XXXX 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 2025-05-21 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate/Incompletely Reported Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information on my Equifax credit report, confirmation number XXXX. This is a request for investigation under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Specifically, I am disputing the following accounts : -- - XXXXXXXX XXXX XXXX XXXX XXXX ( Acct # : XXXX ) XXXX XXXX - The account is reported as a charge-off account with the date of first delinquency listed as XX/XX/XXXX. 
- According to the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ), charge-off information may not be reported for longer than 7 years plus 180 days from the original delinquency.

- The account has not had any valid updates since the last payment in XXXX, yet it remains active on my report in XX/XX/XXXX, potentially impacting my creditworthiness inaccurately. 
- Please delete or correct this account based on statutory time limits and account status. 

-- - XXXX. XXXX XXXX XXXX  ( Acct # : XXXX ) XXXX XXXX - The account reflects a negative available credit of XXXX, which is a factual impossibility on a closed or charged-off revolving account. 
- This violates the accuracy standard of the FCRA ( 15 U.S.C. 1681e ( b ) ) and the furnishers duties under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to avoid reporting inaccurate information.

- Additionally, this negatively skews my credit utilization ratio and financial health depiction, which further constitutes harm under inaccurate reporting standards. 

-- - Please conduct an investigation under 15 U.S.C. 1681i ( a ) and correct or remove the inaccurate information. If you find the information is indeed inaccurate, incomplete, or unverifiable, I request that it be * * deleted entirely * * from my credit report.

Additionally, if these accounts are verified, I respectfully request that you provide : - The full method of verification. 
- The name and address of each data furnisher. 
- Any documentation provided by the furnisher that supports their claim. 

I have enclosed a copy of my credit report highlighting the disputed entries. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting Authorized User Charge-Off Dear Equifax, I am writing to dispute an inaccurate item on my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

The account in question is listed as : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off I am listed on this account as an authorized user, not a primary or joint account holder. Under 15 U.S.C. 1681a ( m ), an authorized user is not legally liable for repayment of the debt, and therefore, negative information such as charge-offs or delinquencies should not be attributed to my credit profile.

This item is inaccurate and damaging to my credit standing. Please investigate and remove this account from my credit file as required under 15 U.S.C. 1681i.

Please complete your reinvestigation within 30 days as required by law. I request written confirmation of your findings and any action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-21 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: TX

Complaint narrative:
I am submitting a complaint regarding the inaccurate reporting of one or more charged-off accounts on my Equifax credit report. 
The issue is that once an account is charged off, it should no longer reflect a " past-due '' balance. A charged-off account means the creditor has closed the account and written it off as a loss. Therefore, it is incorrect and misleading to report it as both charged off and past due at the same time. These two statuses are mutually exclusive under standard credit reporting guidelines. 
This inaccurate reporting is misleading to other lenders and negatively impacts my credit profile. I am requesting that the account ( s ) be corrected to remove any reference to a past-due balance if the account is already marked as charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX due to ongoing and unresolved issues affecting my credit report since 2020. 

Since that time, I have repeatedly disputed inaccurate information submitted by XXXX XXXX through TransUnion. However, each time I submit a dispute, XXXX XXXX appears to change the name of the collection agency reporting the debt. To date, I have had to deal with over six different collection agencies, all attempting to collect the same alleged debt, often reporting inconsistent amounts. 

These collection accounts are frequently removed following disputes, only to reappear under different names or under XXXX XXXX directly, with varying balances. This cycle of removal and re-reporting with conflicting information has caused significant harm to my credit score and profile. It appears to be a deliberate attempt to manipulate or sabotage my credit standing, which I believe is both unethical and potentially illegal. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX XXXX for potentially deceptive, abusive, and unfair practices under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I also request that all related entries be permanently removed from my credit report unless verified with complete and consistent documentation from the original creditor. 

Please advise on any additional documentation you may require from my side. I am prepared to provide copies of my dispute history, credit reports, and any correspondence with the involved collection agencies. 

Thank you for your attention to this matter. 

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX due to ongoing and unresolved issues affecting my credit report since 2020. 

Since that time, I have repeatedly disputed inaccurate information submitted by XXXX XXXX through XXXX. However, each time I submit a dispute, XXXX XXXX appears to change the name of the collection agency reporting the debt. To date, I have had to deal with over six different collection agencies, all attempting to collect the same alleged debt, often reporting inconsistent amounts. 

These collection accounts are frequently removed following disputes, only to reappear under different names or under XXXX XXXX directly, with varying balances. This cycle of removal and re-reporting with conflicting information has caused significant harm to my credit score and profile. It appears to be a deliberate attempt to manipulate or sabotage my credit standing, which I believe is both unethical and potentially illegal. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX XXXX for potentially deceptive, abusive, and unfair practices under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I also request that all related entries be permanently removed from my credit report unless verified with complete and consistent documentation from the original creditor. 

Please advise on any additional documentation you may require from my side. I am prepared to provide copies of my dispute history, credit reports, and any correspondence with the involved collection agencies. 

Thank you for your attention to this matter. 

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 2025-05-21 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: GA

Complaint narrative:
I am submitting this complaint regarding Georgia XXXX XXXX and how they have been reporting my XXXX XXXX to the credit bureaus. My credit report through Experian shows that I have been 180 days past due every single month since at least XXXX. I attempted to dispute this with Experian directly, but they responded that the information was being reported accurately. 

After that, I was contacted by Georgia XXXX XXXX. During that phone call, they acted as though we had already discussed and resolved the dispute, but that was not true. We had not had any communication prior to that call, and I still have not received a clear explanation or resolution. 

I believe this reporting is either inaccurate or unfair. It reflects years of continuous delinquency that I dont believe is correct, and it is severely damaging my credit. I was even denied a mortgage loan in the past because of this. Ive made attempts to fix the issue directly and have not received help. I am requesting that this matter be reviewed by the CFPB and that Georgia XXXX XXXX be required to fully verify and justify this reporting, or correct it. 

In XXXX, Georgia XXXX XXXX sent me a letter asking me to pay {$25.00} a month as part of a repayment plan. I signed the agreement and started paying. I was not told that this would re-age the account, but a credit repair professional later informed me that this is what it appeared they were trying to do. Even while I was making payments, the account continued to show 180-day late marks on my credit report, and nothing changed.

I believe this is inaccurate reporting, especially since I was making an effort to pay as agreed. If they accepted the repayment, the account should have been brought into a different status. Im requesting a full investigation and correction of this reporting. 

If Georgia XXXX XXXX can not report this account accurately, I am requesting that it be removed from my credit report entirely.

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 2025-05-21 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: GA

Complaint narrative:
I am submitting a formal complaint against Equifax for failing to remove multiple fraudulent accounts from my credit report, even after submitting all required documentation in accordance with the Fair Credit Reporting Act ( FCRA ) 1681c-2. My identity was compromised in the XXXX XXXX XXXX data breach in XXXX. 

On XX/XX/XXXX, I filed a detailed dispute with Equifax and provided : A copy of my government-issued ID My Social Security card Proof of current address ( utility bill ) An FTC Identity Theft Report filed via IdentityTheft.gov Despite this, XXXX  has not removed or blocked the fraudulent accounts from my credit file, causing continued harm to my financial standing. 

Fraudulent Accounts Include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief