vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave 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.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Called Barclay 's customer service XXXX XX/XX/year>, told them I wanted to close account, and, do not want to pay annual {$99.00} charge. Charge payment due XXXX XX/XX/year>, since I closed account, was told that charge was waived and account closed. 

Received another statement for period XXXX XXXX - XXXX XX/XX/year> stating I owed {$100.00}. Called Barclay 's customer service XXXX XX/XX/year>, told them the account should have been closed and the annual fee was waived. They agreed and said annual fee was waived and " account will be closed ''. I argued that account should already have been closed. I was assured this " would '' happen. 

Received an account statement XXXX XX/XX/year> stating I owed {$130.00} and account was passed due. Called Barclay 's customer service and was told " additional charges '' have hit account, plus, I owed annual fee. I inquired as to how additional charges had hit since account should have been closed. Told them I would not pay. Was told that they " waived all charges '' and account " had XXXX balance ''. I told them there should be no more statements as there should be no more account. 

Today, received an email that my account is past due and that this could trigger the involvement of a collections agency. Called Barclay 's today, XXXX XX/XX/year> and was told I had a " balance of {$99.00}, the annual fee ''. I told them that the account was supposed to have been closed and the fee waived. Was told, " ok, we will waive the fee ''. I told him I wanted notification in writing that the account has been closed. Was told, " I don't have the ability to do that '' but that " the account would be closed within XXXX hours ''. 

Called Barclay 's again today XXXX XX/XX/year>, asked to speak with customer service because I wanted to file a complaint. I was cut off.

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 2025-11-15 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: OK

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I entered into a hardship agreement with OneMain Financial, which clearly stated in writing that my next payment of {$110.00} was due on XX/XX/XXXX. I signed the agreement exactly as instructed. 

After signing the agreement, I received a text message from a OneMain representative stating that to avoid my account from no longer being locally serviced, I needed to make a payment by XX/XX/XXXX. This completely contradicted the written hardship agreement, which clearly listed XX/XX/XXXX as the next due date. 

This message implied that I would be delinquent or in some kind of negative status if I did not pay by XX/XX/XXXX, even though no payment was due before XX/XX/XXXX. 

When I confronted the representative, they immediately changed their explanation and claimed they only meant my account would transfer to XXXX, which was not stated in their original message and appeared to be an attempt to cover up the misleading and threatening communication. 

In addition to the misleading texts, my OneMain account page/app is now showing an incorrect due date and displaying a past-due balance, even though the hardship agreement explicitly set the next due date for XX/XX/XXXX and lowered the payment amount to {$110.00}. 

This is extremely concerning because it does not match the written agreement I signed. It is showing me as past-due when I am not, and it conflicts with OneMains own written modification documentation. 

After this exchange, I began receiving XXXX phone calls per day, including on weekends, despite having no payment due until XX/XX/XXXX. This repeated contact is excessive and harassing. 

I also received an unsolicited email assigning me a case number that I never requested, adding unnecessary pressure. 

OneMains conduct includes : Misrepresenting my due date Showing an incorrect past-due balance Pressuring me to pay earlier than the agreement requires Making misleading or threatening statements about my account status Changing their explanation only after being confronted Excessive and harassing phone calls I have full screenshots of the hardship agreement, the OneMain text messages, and the account display showing the wrong due date and past-due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MO

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update XXXX records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I HAVE MAILED ( XXXX ) SEPERATE LETTERS MONTHLY FROM XXXX TO XXXX REQUESTING WRITTEN VERIFICATION OF THE ACCOUNT AND RECORDS SHOWING PROOF OF THE LATE PAYMENTS AND DEBT OWED. THAT INFORMATION WAS NOT PROVIDED. EQUIFAX AND TRANSUNION HAS REMOVED THIS NEGATIVE ACCOUNT FROM MY FILE, BUT EXPERIAN HAS NOT. IF THIS ACCOUNT CAN'T BE VERIFIED IN WRITING, I WILL LIKE IT REMOVED FROM MY EXPERIAN ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-15 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: MN

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-15 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: MO

Complaint narrative:
I am challenging the reporting of late payments and delinquency on my accounts, as those entries do not reflect the actual agreement or payment history. I request that the entries be corrected to Paid as Agreed and that any indication of delinquency be expunged.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint because Capital One closed my bank account and is holding my funds without providing any estimated timeframe for releasing them. 

My name is XXXX XXXX XXXX. Capital One notified me that my account was closed due to unusual activity, but I have not been given a clear explanation or any date for when my money will be released. 

I have called multiple times and the representatives tell me that the case is still under investigation, but they can not provide any timeframe. I depend on these funds to pay essential expenses, including rent. 

I am requesting : 1. A clear timeline for the completion of the investigation.

2. The immediate release and mailing of my remaining account funds via cashiers check.

3. Written confirmation of the status of my funds. 

My mailing address is : XXXX XXXXXXXX XXXX  XXXX, MD XXXX I respectfully request that Capital One provide a prompt response, as the lack of access to my own funds is creating financial hardship. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TN

Complaint narrative:
I am writing to dispute and request the immediate removal of inaccurate and potentially compromised information appearing on my TransUnion credit report due to a data breach that may have exposed consumer data, including mine. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, TransUnion is required to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and to reinvestigate disputed information promptly.

The following account was not authorized or may have been affected by the breach and is therefore being disputed for verification and deletion : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$1800.00} INQUIRY : XXXX XX/XX/year>

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unver

ifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and
confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I request that this be removed and that you provide written notice confirming the deletion.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Funds were in my account but because Chase reversed transaction it caused me to be negative and incurred a lot of insufficient fees. Im also paying on a dead debt credit card closed account without seeing actual store charges. My account is not being reported to 3 credit bureaus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 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: TN

Complaint narrative:
I am submitting this dispute regarding several accounts and inquiries appearing on my Experian credit report that I believe were affected by a data breach and may contain inaccurate or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i ( a ), Experian is required to ensure the maximum possible accuracy of consumer information and promptly reinvestigate any disputed data.

The following accounts should be thoroughly investigated and deleted immediately if they can not be fully verified with proper documentation from the original creditors : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$26.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$270.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$23000.00} Account Name : XXXX XXXX XXXX ( OPEN ) Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1800.00} Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1800.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
There claim to be a company that I had a past due bill with. They claim to have hired a pre paid lawyer that contacted cash app to freeze my account for the last XXXX months. I have contacted there pre paid lawyer and it all seems fraudulent. I asked if you freeze my cash app why not freeze my bank account. Cash app will not release XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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