vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Complaint Summary Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) On XX/XX/year>, I received both a text and an email from Barclays Bank alerting me to suspicious activity on my XXXX XXXX XXXX XXXX ending in XXXX. I immediately called Barclays and spoke with a representative named XXXX. She informed me that a new card had recently been requested in my name, which I never authorized. I confirmed that I did not make a {$160.00} purchase at XXXX XXXX in XXXX, NY, nor any cash advances or purchases in that area. I also immediately locked all my Barclays cards online. 
Barclays issued me a replacement card via XXXX  and opened a fraud investigation. However, I later received a letter stating that Barclays determined the disputed transaction was valid because the card was identified as being in your possession and chip card technology was used. Based on this conclusion, Barclays reversed the provisional credit and reapplied the charge to my account. 
I strongly dispute this decision. I was in possession of my original card the entire time and never authorized or participated in these transactions. The claim that chip technology can not be compromised is incorrectthere are numerous cases of chip card fraud and cloning. Barclays determination fails to provide any proof of my authorization, such as signature verification, video evidence, or merchant confirmation. 
I am requesting that Barclays reopen and reinvestigate this case under the Truth in Lending Act and Regulation Z ( 12 CFR 1026.13 ), which requires proper investigation and consumer protection against unauthorized use. I also request copies of all documentation Barclays relied upon to conclude that the transaction was valid, including any merchant logs or chip transaction data. I was also informed to submit via fax documentation that proved my existence, namely drivers license, utility bill and a copy of my social security card to fax number XXXX. I also included specific instructions on corresponding and confirming receipt, which I never received. 
This situation has caused me financial harm and unnecessary distress. Barclays investigation appears inadequate and dismissive of clear evidence that my account was compromised. I am seeking restoration of the provisional credit and full removal of the disputed charge, along with written confirmation that my fraud report is being properly reviewed.

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 2025-11-02 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 a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAFCU-C.U. # XXXX Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$2900.00} Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$4500.00} Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$5800.00} Date XXXX XXXX XXXX # XXXX -- Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$4300.00} Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$2600.00} Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2025-11-02 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties.

UNAUTHORIZED INQUIRIES : XXXX  XXXX Inquiry Date : 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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
For the month of XXXX year 2025 Bank of America reported a 30 day late on my credit report. I Was never sent notice of bill due. It was the yearly membership fee, once I contacted Bank of America and was informed that the notice was sent to my email address. The email address that they have on file was incorrect. I was told by their agent that it was my fault that they had the incorrect information. I told them that I called in to change my email address on my account once I move back to the state of XXXX  from XXXX XXXX. They did have the correct email address but they did not use that email address to send me the bill. The correct email address was on my Bank of America account but was not on this particular credit card. The agent that did the address change did not update that particular credit card because I called in and gave them my new address, phone number and email address once I move back to XXXX. as soon as I knew that the bill was due I paid it that very same day which was on XXXX XXXX for {$98.00}.

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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Email : XXXX XX/XX/year> National Credit Systems , Inc . 
XXXX XXXX  XXXX XXXX. 
XXXX, XXXX  XXXX Re : Debt Validation & Assignment Demand FDCPA 809 ( b ) ; FCRA 607 ( b ), 611, 623 ( a ) Account : XXXX | Original Creditor : XXXX XXXX XXXX XXXX XXXX  | Alleged Balance : {$2000.00} To Whom It May Concern : I dispute the above-referenced collection account in its entirety. Pursuant to the FDCPA, 15 U.S.C. 1692g ( b ), and the FCRA, 15 U.S.C. 1681 et seq., please provide full validation and proof of ownership. Until validation is provided, you must cease all collection activity and refrain from furnishing or must mark the account as disputed per 15 U.S.C. 1692e ( 8 ). 
Validation Requirements Provide copies of : 1 ) The original signed lease/contract and all addenda ; 2 ) An itemized accounting/ledger showing how the {$2000.00} was calculated ; 3 ) Assignment/ownership documentation : the assignment contract, bill of sale, and chain of title showing your current legal authority to collect and furnish ; 4 ) The name and address of the original creditor and any intermediary entities ; 5 ) Proof of your license/authority to collect in XXXX XXXX. 
Insufficient Materials Unverified summaries, screenshots, or generic statements are not validation. Validation must include original source records and assignment evidence. 
Legal Notice If you can not validate within 30 days of receipt, you must cease all collection activity, request deletion with XXXX, and confirm in writing that the account is closed. Continued collection or furnishing without validation may create liability under 15 U.S.C. 1681n, 1681o, and 1692k. 
All communications must be in writing. Do not call my phone. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX : {$900.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$800.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$460.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-11-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have made several attempts to resolve this identity theft issue with XXXX as well as the credit furnishers. I completed and accurate identity theft report a long with valid identification to prove that I reside in XXXX, Pa and not Texas where this car loan was created. There are several attempts for credit approval on my credit file that I do not recognize and they are duplicate entries on the same day or around the same time frame. At this point i am submitting a demand letter that will follow with an intent to sue if this issue isn't rectified immediately.

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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: OH

Complaint narrative:
The data incident was XX/XX/XXXX report in XX/XX/year> the card was unauthorized transaction used and I was notified XX/XX/year>. The dispute was filed with chime the transactions that were not approved by me or any other consent on the card or owner they were all disputes of no consent of transactions. The transactions were approved and confirmed status settled via email I have screenshots will provide. The next email stated there was a split decision and that the claim was decline on my behalf. I can not accept this response from time because I however no for a fact that these charges were unauthorized use of my credit card that was stolen my information was stolen amongst a journal phone etc replace report was made person is in actively fleeing to avoid charges/prosecution being pressed. Witness testimony available upon written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Made several attempts to resolve the identity theft issue. Submitted valid and complete identity theft alonf with identitfication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
On XX/XX/year> I was applying for a home improvement loan when I was told my credit with Experian was locked. I attempted to go onto the app to unlock it but it stated it was already unlocked, so I tried to call Experian customer support. I went through their automated system to unlock my credit, and it told me that to do it through the automated system I would need my freeze pin ( I've gone through two moves since I requested a freeze PIN, and have no idea what it is or where it was written down at ) but that I could do it without the PIN on the website. 

So I go to the website, try to sign in, but I changed my phone number a week ago and havent updated it yet. Back to the app to update it, it says it needs to send a code to my email to verify my identity. That makes sense, so i wait for the code : nothing came. I re-sent it : nothing again. 

So I try to reach out to experian customer service and speak to a representative. No matter what i tell the automated system ( unfreeze, fraud, billing, log in issues ) it will not transfer me to a representative and just tells me i can access help on the website ( which i can not access ) Experian can not deny consumers access to help when it comes to something with their credit. I am now just sitting here with no way to unfreeze my credit and no way to actually get help from experian. The home improvement I was trying to apply for? to fix my plumbing which is currently completely not working.

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 2025-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I tried to resolve this fraudulent account and provide of complete Identity theft form and valid identification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Between XXXX XXXX XXXX three third-party debt collectors National Credit Systems XXXX XXXX XXXX XXXX XXXX and Professional Debt Mediation began reporting false rental debts to my credit report for apartment complexes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I was only an applicant, never a tenant. 

At the time, I had three active federal ADA/FHA retaliation and wrongful-eviction cases ( XXXX, XXXX, and XXXX ). These new reports appeared immediately after those filings, which shows a coordinated act of retaliation and discrimination. 

On XX/XX/year>, I received an adverse-action denial from XXXX XXXX XXXX apartment, listing Credit and Rental History as the reasons for denial. This confirmed that the false reports from those collectors directly caused a new housing denial, ongoing harm, and emotional distress. 

On XX/XX/year>, I submitted written disputes and settlement demands to all three collectors, attaching my SSI Benefit Verification Letter ( confirming my XXXXrelated income ) and Hue Midtown denial letter. Despite this, the accounts remain reporting, and no collector has validated the alleged debts or corrected the records. 

The pattern demonstrates willful non-compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and retaliation under the Fair Housing Act ( FHA 3617 ) and Americans with Disabilities Act ( ADA ). These actions have resulted in continued loss of housing opportunities, reputational damage, and emotional hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NE

Complaint narrative:
To : Equifax RE : Dispute of Unverified Information- Account : XXXX Account Number XXXX  XXXX This letter is to Formally dispute the following account listed on my credit report. 
Account Type : Loan Creditor Name : XXXX Account Number : XXXX XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006.34 ( b ) ( 5 ) ). Since I haven't received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report.

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred. Proof that I am legally obligated to repay this debt. If the credit or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report.

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers ' credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter.The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
On or around XX/XX/year>, Professional Debt Mediation ( PDM ) began reporting a false apartment debt related to XXXX XXXX Apartments, even though I was only an applicant, never a tenant. At the time of this reporting, I had XXXX active federal XXXX XXXX and wrongful-eviction cases ( XXXX, XXXX, XXXX ). The timing of PDMs reporting indicates retaliation for those filings and discrimination based on my XXXX and XXXX income. 

Because of this inaccurate tradeline, my XX/XX/year> housing application at The XXXX XXXX was denied for XXXX and XXXX XXXX. This shows that PDMs actions directly caused new housing denials, credit harm, and emotional distress. 

On XX/XX/year>, I submitted a written dispute and settlement demand to XXXX, attaching my XXXX Benefit Verification Letter ( proof of lawful income ) and Hue Midtown denial letter. To date, the debt remains unvalidated and continues to appear on my credit reports. 

These actions represent ongoing retaliation and discrimination under the Fair Housing Act ( 42 U.S.C. 3604 ( f ), 3617 ) and ADA ( 42 U.S.C. 12101 ), and willful violations of the Fair Credit Reporting Act ( 1681s-2 ) and Fair Debt Collection Practices Act ( 1692e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$800.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$460.00} - Date Opened : 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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate and incomplete collection account being reported on my Equifax credit report. The account is currently showing as Null with no payment history or identifying information. This incomplete data is negatively affecting my credit profile and is in violation of the Fair Credit Reporting Act ( FCRA ), Sections 602 ( A ), 611 and 609 ( A ), which require accurate, verifiable, and complete reporting of consumer information.

I have already contacted Equifax to dispute this issue, yet the account remains on my credit file without any correction or removal. The account has no creditor name, account number, payment history, meaning it can not be verified or attributed to any specific debt. Because this Null account is unverifiable and incomplete, it must be deleted immediately per FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates the removal of unverifiable information.

I request that CFPB investigate this matter with Equifax and ensure the immediate deletion of this unverifiable Null collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I pulled XXXX from my chime. They only gave me XXXX. Two people sent me a XXXX XXXX and I didn't receive them and I'm not understanding why I didn't receive them. This has happened before.

Company response to consumer: Closed with explanation