vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This company has now started calling me about every 2 hours. She would never say anything except, Barclays, have been calling since XXXX XXXX XXXX. All incoming calls were tagged spam so I didn't answer and blocked the number. They keep calling back using different phone numbers, leaving a voicemail saying they have a complaint against me and my ssn. I called her back, yesterday, XXXX I asked her why she kept calling me, what did she want! She got kinda pissy right back at me and said, I'd have to call her back when I wasn't so aggressive. I told her, just tell me what you want!! She said she was from Barclays and was trying to collect a credit card debt. And they were going to take legal action by, putting a lien on my home as well as freeze my bank account unless I paid by phone today! She also said, if I wanted to make a counter offer, to tell her the dollar amount and she'd clear it with " the attorney '' I gave her an amount, told her I was freaking out, and for her to call me back when he answered her and I hung up! She called me 3 times after that, I didn't answer the phone because I was trying to figure out what to do. She's called me twice this morning too. I'm at a total loss!! 
Wound up that I did have a credit card XXXX (? ) that had been cancelled and I'm thinking that was one of the cards that my late husband included on a bankruptcy. I called the credit card company and the girl, said that that card had been tagged as, Per Barclays Bank Juniper Card Forgiven debt XXXX Charged Off in XXXX Then she told me to call and talk to : XXXX, said she had NO info on my SS or XXXXXXXX XXXX SS XXXX XXXX XXXX XXXX 
XXXX ... 
So, now I'm at a total loss!! 
What do I do?

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My husband died unexpectedly I received all the bills and I requested information regarding hardship and they will not give me no information I receive I call them several times no response I emailed her several times no response

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.

Complaint narrative:
I left XXXX on XXXX XX/XX/scrub> 2023, with about {$500.00} in my checking account with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have been in XXXX ever since, and did not have the need to use my account. Therefore, over the last 21 months, I am told that {$210.00} must have been deducted from my account ( {$10.00} each month ) 'for inactivity ', and that this monthly deduction will continue relentlessly until I have {$0.00} left in my account! I find that scandalously unfair, a quiet way for XXXX to steal my money! The Bank Manager, XXXX XXXX, with whom I have spoken two or three times over the phone, thinks that nothing much can be done on his end to remedy the situation -- which amounts to adding insult to injury!

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 2025-06-18 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( XXXX ) ( B ) ( i ) XXXX XXXX XXXX XXXX INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY XXXX, XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Let me be perfectly clear : this was not a clerical error. This was a deliberate, fraudulent act that has caused me serious and measurable harm. Because of your illegal reinsertion of this account, I was denied a mortgage loan that would have allowed me to purchase my first home. Your unlawful actions have directly caused me to lose XXXX  of dollars in earnest money, legal fees, appraisal costs, and to suffer extreme emotional XXXX. I will no longer tolerate your reckless disregard of my rights. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you were required to do the following 1. Obtain a certification of accuracy from the furnisher of the information 2. Provide me with written notice of the reinsertion within five ( 5 ) business days You did neither.

This is an act of : Fraudulent reporting Deceptive consumer practice Intentional financial harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX/XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: OK

Complaint narrative:
These entries remain unverified and questionable. 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 XXXX  and XXXX  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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX 2024, I was working as a XXXX XXXX XXXXhrough XXXX when I was contacted by someone claiming to need recurring weekly services. They paid me in advance and asked me to purchase specific pet food before the first visit. Days before our scheduled meet, they canceled and asked for a refund. When I attempted to return the funds, the transfer failed multiple times. 

Soon after, the person began threatening me including graphic messages, XXXX XXXX, and photos of XXXX. I reported this immediately to local law enforcement and called U.S. Bank to explain what had happened. I told them I believed the payment may have been part of a scam and asked to cancel or reverse the check. They told me the check had already processed and there was nothing they could do. 

I followed up with U.S. Bank multiple times to explain the situation. Despite cooperating and seeking help, the bank suddenly closed my checking account, canceled both my debit and credit cards, and told me I could no longer bank with them. I was not given a clear reason or any written notice. I was told my remaining balance would be used to pay my credit card, which had an outstanding balance close to the amount in my checking account. 

However, months later I began receiving debt collection notices and was told I still owed on the credit card. I was also informed that I could not access the funds in my closed account, even though Ive repeatedly explained that Im a full-time student and was relying on those funds for basic expenses. I have been locked out of my account since XXXX and U.S. Bank has failed to resolve the issue or return my money. 

Ive spoken to multiple departments, called repeatedly, and been promised solutions but nothing has changed. I continue to receive calls and messages demanding credit card payments, but I am unable to pay because U.S. Bank still has my funds and will not grant me access. I believe this is unfair, damaging, and predatory, especially considering that I was the victim of a fraud attempt and did everything I could to report it and cooperate.

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 2025-06-18 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: CA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX XXXX Date XXXX XX/XX/year>2025 XXXX XXXX Date : XX/XX/scrub>/2025 XXXX  XXXX XX/XX/year>2025 XXXX XXXX  XXXX Date : XXXX/XXXX/2025

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank took my tax refund & can not tell me where my check is my name is XXXX my tax refund check came on XXXX XXXX,2025 on XXXX XXXX,2025 I deposited the tax check into my moms chase bank account right after that it was put on a 7 day hold & the funds would be available XXXXXXXX XXXX,2025 so XX/XX/2025 comes & the funds are not available I call the bank and they said its going to be another 10 day hold & the check will be mailed out to my moms address since shes the account holder so we wait until XXXX XXXX2025 to check her mailbox again & there is no check we call the bank & they said they are mailing the check again they put a rush on it for 2 day delivery & the check will be at my moms mailbox on XXXX XXXX2025 we go & check & nothing is there we went to the bank today XXXX XXXX,2025 & the teller is saying that she cant locate the check its not in her system & it was mailed out again & will be in my moms mailbox on XXXX XXXX2025 Im so tired of this Ive worked hard this is a federal check theres no fraud going on I just want my tax refund check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) 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 2025-06-18 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: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-06-18 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: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-06-18 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: AL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late XXXX XXXX XXXX  - Under 15 USC 1666 Billing Error - Please Update to Never Late XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late XXXX - XXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late

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 2025-06-18 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am formally disputing the accuracy of an item currently listed on my credit report, as the information being reported does not comply with the Fair Credit Reporting Act ( FCRA ) guidelines, particularly in regard to the requirement for maximum possible accuracy under Section 607 ( b ). After reviewing my credit report, I found this entry to be factually incorrect, misleading, and damagingand it should not be reported in its current form.

Let me be clear : the continued presence of this inaccurate item is a direct violation of federal law. Under the FCRA, consumer reporting agencies are legally obligated to ensure that all information furnished in a consumer 's report is complete and verified for accuracy. This account fails to meet those standards. I am not requesting a reviewI am demanding the full deletion of this item from my credit report.

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