vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have called your company three times this week the three times the reps are unaware how to complete a dispute. Also, the three times I requested a manager no money was available. I was promised a call back and that never happened. Im requesting a callback from a manager to resolve my issue. In regards to a dispute with customer service is awful instead of helping customers. They only know how to upset customers several other complaints will be filed if no one reaches out to me by Tuesday. I have the XXXX XXXX Advantage aviator MasterCard.

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 2025-03-01 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: NY

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Would like all recent credit inquires throughout my report, any bankruptcies, late payments, recent accounts opened to be removed, any collections on my account, any medical bills, any repossessions. There has been a data breach with all credit bureaus. My information was clearly stolen. According to the Code 15 USC 1681, 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA aims to protect the privacy and accuracy of consumer credit reports. 
I, Require consumer reporting agencies to be fair, accurate, and confidential I, Require consumer reporting agencies to adopt reasonable procedures It allows users to disclose the contents of consumer reports to consumers Please remove all unnecessary information due to the 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 explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-03-01 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: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, Tx, XXXX ] [ XXXX ] Subject : Credit Report Dispute Request To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable items on my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ). As a consumer, I have the right to ensure that all information reported about me is 100 % accurate, verifiable, and timely. 

Below is a list of accounts that I am disputing. I request that each of these items be verified for accuracy and compliance with federal law or removed from my report immediately if they can not be properly verified. 

Disputed Accounts : XXXX XXXX XXXX  - Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Charge-off, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX XXXX ( CLOSED XXXX XXXX Account XXXX : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Charge-off, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Collection, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX - Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Collection, Unauthorized/Unverified Requested Action : Deletion XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Past due balance, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX  Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion XXXX XXXX  Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion According to 15 U.S.C. 1681i ( a ), the credit bureau must conduct a reasonable investigation within 30 days and provide me with the results. If the information can not be verified, it must be removed from my credit file immediately. 

I have attached a copy of my credit report with the disputed items highlighted, as well as a copy of my identification for verification purposes. 

Please send a written response confirming the results of your investigation. If the disputed items are not removed or corrected, please provide me with the method of verification used to validate their accuracy. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according tXXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted. 
XXXX XXXX, balance {$2100.00} XXXX XXXX, balance {$39000.00} XXXX XXXX, balance {$6000.00} XXXX XXXXXXXX, balance {$8300.00} XXXX XXXX XXXX, balance {$1900.00} XXXX XXXX XXXX, balance {$3500.00} XXXX XXXX XXXX, balance {$2000.00} XXXX XXXX XXXX, balance {$1700.00} XXXX XXXX XXXX, balance {$3000.00} XXXX XXXX XXXX, balance {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: SC

Complaint narrative:
I have inquiries that was unauthorized by me. In addition there are late payments reported that are inaccurate and incorrect!

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 2025-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
This complaint pertains to the bluebird/serve debit card that I've had for several years. I requested a replacement card first week in XX/XX/XXXX as mine was damaged an didn't work half the time. The end of XXXX I still have not received a replacement card. I called the company to ask where my card was they even send me email that card. After making several calls to the company like XXXX to find out where my card was I was assured it was on the way. I've also sent two letters trying to find out where my card was. No response. My account is being kept XXXX by this company refusing to give me access to my money. They are refusing to cooperate with me telling me lies making promises to get me another card. I had enough of their XXXX. It's XX/XX/XXXX. I've given up on receiving a new card. This company needs to be shut down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
It was a Data breach and I the my credit was one of the ones compromised. So I need all late payment, hard inquiries, and negative items off my 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 2025-03-01 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: PA

Complaint narrative:
I do not recognize the following addresses and phone number. Please Remove XXXX XXXX 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 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 2025-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sezzle Inc.
State: NE

Complaint narrative:
I received an installment loan through Sezzle. I made all payments in a timely manner. I did not use any of the proceeds of the installment loan to purchase anything illegal, immoral, fraudulent, etc. Depsite this, I received an email terminating my account for a violation of the terms of service. When I asked for what term of service was violated, I was refused an explanation ( per XXXX in Customer Service via email of XX/XX/year> ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
my mother lives with me and has been paying me rent for four years. her biological daughter was just put on her account as a joint holder in XXXX of XXXX she managed to change up our mothers bank information for her own financial gain, before she was able to do that i was able to secure our mothers funds and transferred them to my account. as of XX/XX/year> the daughter reported all XXXX  transactions between me and our mother from the entire prior year, including transactions that were made before she was added as a joint holder. I have evidence that the daughter knew about every transaction and that our mother isn't the one disputing 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 2025-03-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My information from all three credit bureau have leaked my credit information and I have a lot of fraudulent info on my credit reports thats not from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain collection accounts listed on my credit report under the authority of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. 

Legal Basis for Dispute : FCRA 15 U.S.C. 1681i ( a ) : Requires credit bureaus to investigate disputes and remove inaccurate or unverifiable information within 30 days. 
FDCPA 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection activities until verification of the debt is provided. 
Recent Legal Precedents : Equifax Data Breach Settlement ( XXXX  ) : Highlighted the importance of data accuracy and consumer rights. 
Experian Class-Action Lawsuits : Recent cases reinforced the responsibility of credit bureaus to ensure the integrity and accuracy of reported data. 
1. A closed account shouldnt have an outstanding balance If XXXX XXXX is still being collected via garnishment, it shouldnt be reported as a closed debt unless fully satisfied. 


2. Your payments arent reflected Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, furnishers ( agencies that report data ) are required to provide accurate and complete information. If they report a balance but fail to include the payments made, thats misleading and inaccurate reporting. 


3. XXXX XXXX isnt a traditional consumer debt Under 15 U.S.C. 1692a ( 5 ) ( FDCPA ), child support does not qualify as a consumer debt, so its reporting must meet specific legal standards.

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 2025-03-01 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: NY

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Dispute 3 Account Number : XXXX Account Name : DEPT OF EDXXXX Type of disputed information XXXX XXXX XXXX  Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : XXXX Account Name : DEPT OF ED/XXXX Type of disputed information : student loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 5 Account Number : XXXX Account Name : XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

HARD INQUIRIES : Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Thank you for your assistance Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief