vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I disputed inaccurate credit reporting by Barclays Bank Delaware on multiple occasions regarding a credit card tradeline that was included in a XXXX  XXXX bankruptcy. Despite repeated disputes and multiple completed investigations, Barclays continues to furnish internally inconsistent, misleading, and unverifiable information to certain consumer reporting agencies. 

Using the same bankruptcy records and dispute submissions, other nationwide consumer reporting agencies determined that the Barclays tradeline could not be verified or was improperly reported. However, Barclays continues to report the account to XXXX XXXX XXXX with contradictory payment history, delinquency markers, and bankruptcy status that can not lawfully coexist under credit reporting standards. 

The tradeline reflects a mix of account included in bankruptcy, rolling late payments, and post-bankruptcy delinquency indicators that are inconsistent with one another and inconsistent across consumer reporting agencies. These discrepancies demonstrate that Barclays lacks a reliable factual basis to continue furnishing this data. 

Although disputes were marked as investigation complete or updated, Barclays failed to correct or delete the inaccurate reporting. This constitutes a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy after receiving actual notice of disputes. 

Continued reporting under these circumstances violates the Fair Credit Reporting Act, including duties under 15 U.S.C. 1681s-2 ( b ), as well as applicable provisions of the Texas Business & Commerce Code governing false, misleading, or deceptive credit reporting practices. Furnishing data that can not be consistently verified across consumer reporting agencies establishes that the information is not verifiable and must be deleted. 

Any continued reporting or reinsertion of this tradeline after verified disputes further compounds these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: FL

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 2025-12-19 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: MN

Complaint narrative:
I am a documented victim of identity theft with an FTC report and active disputes. Equifax initially accepted my consumer statement but removed it without notice around XX/XX/XXXX of XXXX  This removed my ability to alert lenders about the fraud. A false address ( XXXX XXXX XXXX XXXX XXXX ) was listed as a current address and is tied to accounts i never opened. 
Identity theft XXXX police department- 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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a documented victim of identity theft with an FTC report and active disputes. Equifax initially accepted my consumer statement but removed it without notice around XX/XX/XXXX of XXXX  This removed my ability to alert lenders about the fraud. A false address ( XXXX XXXX XXXX XXXX XXXX ) was listed as a current address and is tied to accounts i never opened. 
Identity theft XXXX police department- 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 2025-12-19 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: AL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: AL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, three unauthorized electronic transfers of {$1800.00} each were sent from my bank account to a Chime account ending in XXXX. I did not open this Chime account, have never used Chime, and did not authorize any of these transfers. 

I discovered the unauthorized transactions on XX/XX/XXXX when I manually logged into my bank account. I immediately contacted my bank to report the fraud. After further review, it was confirmed that my bank account had been accessed from an unrecognized XXXX XXXX XXXX  device during the same time period as the transfers. I did not receive any alerts or multi-factor authentication notifications for these logins, the addition of the Chime account, or the transfers. 

After the transfers occurred, I received a Chime credit card by mail despite never applying for or opening a Chime account, confirming that my identity was used to fraudulently open a Chime account. 

I filed an FTC identity theft report and police reports in two jurisdictions and provided this documentation to both banks. I also filed a complaint with the Consumer Financial Protection Bureau. 

I contacted Chime to report that an account was fraudulently opened in my name and that unauthorized funds were deposited into that account. Chime has not yet confirmed that the account was fraudulent or returned the funds to the originating bank. 

I am requesting that Chime investigate the fraudulent account opening, confirm the account was opened without my authorization, and return the unauthorized funds to the originating bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: NY

Complaint narrative:
Have contacted experian several times with no response about the XXXX XXXX XXXX on my 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 explanation
Consumer complaint received 2025-12-19 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America closed my checking account. They claimed the account was closed XX/XX/XXXX. Come to find out it wasnt closed until XX/XX/XXXX. They told me a check was sent on the XXXX of XXXX and it would take 7-10 days to receive. This timeframe has passed. The bank says check must be lost and they cant help me track it. They said call back in XXXX to. Receive XXXX dollar reissue check

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 monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: PR

Complaint narrative:
The account being reported is a corporate obligation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Although my name appears as a signatory, the contract does NOT establish the type of guaranty, whether solidary or subsidiary, and does not create any personal liability. 

The agreement : Does not define a solidary guaranty Does not define a subsidiary guaranty Does not identify me as a personal borrower Does not authorize reporting under my personal SSN I signed solely in my capacity as a corporate officer, not as an individual obligor. 
Despite multiple written disputes, the company continues to report this obligation on my personal credit report without any contractual or legal basis, in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MO

Complaint narrative:
This dispute is submitted pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The account identified resulted from identity theft and must be blocked within four ( 4 ) business days upon receipt of my FTC Identity Theft Report and proof of identity. 
XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 {$29000.00} XXXX XX/XX/2025 {$8900.00}

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 non-monetary relief
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX XXXX XXXX and XXXX XXXX XXXX. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. XXXX Social Security number privacy and identity Theft Prevention Act of XXXX. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: NY

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