vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I am submitting this complaint against Barclays Bank Delaware ( Barclaycard ) due to ongoing finance charges being applied to my credit card account in a way that I believe is deceptive and possibly illegal. 

In XXXX or XXXX ofXX/XX/XXXX I made a single {$390.00} purchase through XXXX ) owned by XXXX ) using my Barclaycard Mastercard. I later discovered this transaction was coded as a cash advance, and I was charged a seperate monthly finance fee of {$21.00}. I was informed by a senior Barclay representative that these charges will continue indefinitely until my entire account balance ( currently under {$3000.00} ) is fully paid offeven though the original {$390.00} has long been paid. 

When I asked for documentation supporting this policy, I was told it is in my statement terms, but after thoroughly reviewing my credit card agreement, nowhere does it clearly disclose that : # 1. A single cash advance will incur ongoing monthly finance charges that continue until the full card balance ( not the advance itself ) is paid in full.

# 2. This policy would result in paying almost double the original amount in interest with no way to isolate or pay off the advance to stop the charges. 

This practice was never explained at the time of the transaction and is not clearly stated in the cardholder agreement. It is unreasonable to expect that a one-time XXXX purchase would lead to years of compounding interest unrelated to the original charge. Barclays also stated that they can not stop the charges or override the system. I believe this is a form of predatory lending and a violation of transparency standards in consumer credit law Thank you, 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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: FL

Complaint narrative:
I am attempting to resolve a debt collected by AllianceOne Receivables Management, Account # XXXX. I received their letter on XX/XX/year>. I immediately verified with the Florida DOT that the debt was real, but they instructed me to pay AllianceOne directly. 

I attempted to register for an online account several times on XX/XX/year>, but AllianceOnes website repeatedly returned the error : Unable to register the account. I clicked their technical problems link and completed their support form in full. I received no response not even an automated message. 

Weeks later ( XX/XX/year> ), I attempted to register again, receiving the same error. I again tried using their support form ; again, no response. 

AllianceOne has provided no working method to pay, no written validation, and no follow-up communication. They threaten credit reporting while simultaneously preventing me from paying. This is unfair and deceptive, and appears to violate FDCPA sections 807 ( 2 ) ( A ), 807 ( 8 ), 808 ( 1 ), 805 ( c ), and 809 ( b ). 

I want : A functioning method to pay electronically ; Written confirmation that the account is being resolved ; Assurance they will not report this debt to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems Inc is reporting an alleged XXXX utility debt that is inaccurate, unvalidated, and tied to an address where I never had service. The company claims the original creditor validated the debt, but XXXX confirmed to me that they do not have records going back to 2018 and that such records would require a subpoena. This means XXXX could not have received proper validation. The collector continues to report the account as owed even though I provided proof that the service address is incorrect. 

Detailed Description : 1. Transworld Systems is reporting an alleged XXXX debt for an address that does not belong to me. 
The address listed is my mothers address in XXXX, XXXX, but XXXX does not provide utility services in that area. That location has always been serviced by XXXX XXXX. I never had an account with XXXX at that address. 
2. I lived in another state during the dates of alleged service, and I provided XXXX with proof of residency. They acknowledged receiving my documentation but still reported the account as owed. 
3. When I contacted XXXX directly, they stated : They do not keep customer records from XXXX. 
They can not validate any account without a subpoena. 
This confirms that XXXX did not receive real validation for the alleged debt. 
4. XXXX continues to report the account and confirm dispute status without providing : Any billing statements Proof of service Copies of signed agreements Customer history Proof I ever lived at the service address Verification from the original creditor 5. Reporting a debt tied to the wrong address and wrong utility provider is inaccurate and violates the Fair Credit Reporting Act. Continuing to report the account without validation violates the Fair Debt Collection Practices Act. 

This alleged debt is preventing me from completing a mortgage approval process. I am requesting that Transworld Systems either provide complete validation or delete the account entirely due to inaccuracy and lack of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: KS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the collection account listed by XXXX XXXX XXXX on my TransUnion credit report. The account is reporting the following details : Creditor : XXXX XXXX XXXX Balance : {$510.00} Status : Open / Placed for Collection Remarks : Account information disputed by consumer This information is inaccurate and incomplete, and I am requesting an immediate investigation under the Fair Credit Reporting Act ( FCRA ). The account details as reported do not reflect accurate information, and I am requesting that TransUnion verify the account with full documentation from the creditor. If the furnisher can not provide complete validationincluding the original contract, itemized charges, and proof that I am legally responsiblethis item must be removed from my credit file. 

Please conduct a full investigation and provide me with written results. If the information can not be verified within the required timeframe, I request that the account be deleted 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
Consumer complaint received 2025-11-20 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifaxs 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. Equifax 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 Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: KS

Complaint narrative:
* * TransUnion LLC * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * RE : Formal Dispute of Credit Reporting Collection Account XXXX XXXX XXXX XXXX XXXX XXXX ) * * To Whom It May Concern : I am writing to formally dispute the accuracy of the following account currently appearing on my TransUnion credit report : * * * Collection Agency : * * XXXX XXXX XXXX * * * Original Creditor : * * XXXX * * * Account Type : * * Collection Agency/Attorney * * * Balance Reported : * * {$130.00} * * * Date Opened : * * XX/XX/XXXX * * * Date Updated : * * XX/XX/XXXX * * * Past Due : * * {$130.00} * * * Estimated Removal Date : * * XXXX/XXXX I am disputing this account because * * I believe the information being reported is inaccurate and requires verification and correction * *. Specifically, I request that TransUnion conduct a full investigation, as required under the Fair Credit Reporting Act ( FCRA ), to confirm the validity, ownership, and accuracy of all details associated with this collection item. 

XXXX XXXX XXXX * * Reasons for Dispute : * * * The * * opening date ( XX/XX/XXXX ) * * appears inconsistent or inaccurate. 
* The * * balance and past due amount * * may not reflect the true or updated status of the debt. 
* I have not received proper validation from the collection agency regarding this alleged debt. 
* I am requesting verification that the account is being reported in compliance with FCRA guidelines, including correct dates, balances, and ownership. 

# # # * * Requested Action : * * Please * * verify the accuracy * * of this account with the furnisher. If the account * * can not be fully validated * *, I request that it be * * corrected or removed entirely * * from my credit file. 

Enclosed are copies of my identification and any relevant documents to assist with your investigation. 

Thank you for your prompt attention to this matter. Please send me the results of your reinvestigation in writing.

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 2025-11-20 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: FL

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of my credit information across the three major credit bureaus : Experian, Equifax, and TransUnion. Upon review of my credit reports, several serious inaccuracies have been identified, including incorrect late-closed status for accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which are falsely reported as late-closed on Experian and TransUnion. Similarly, these errors also appear on my Equifax report for mortgage and retail accounts. These misstatements violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reports to reflect the maximum possible accuracy. Additionally, accounts that should reflect a XXXX balance, specifically XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( x2 ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reported as charge-offs across all three bureaus, violating FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which mandates reasonable reinvestigation of disputed information. Furthermore, accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$5100.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2900.00} ) are reported as charge-offs without proper XXXX treatment, contrary to FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which requires creditors to provide accurate information. Lastly, TransUnion lists an unauthorized inquiry for XXXXXXXX XXXX  XXXXXXXX XXXX which I did not authorize, constituting a violation of FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ). These inaccuracies have severely damaged my credit profile and misrepresented my financial responsibility. They also violate FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits the reporting of outdated or unverifiable information.

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 2025-11-20 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: DC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-11-20 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: MD

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: DC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-11-20 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: DC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am submitting this complaint to report Equifaxs continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. The following accounts in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I applied for loan 2 months ago with Bank of America and I got pre-approved and I put an offer on house which my offer got accepted and I sent more documents to the bank and after 20-25 days the bank said they just denied my application my rate was ( 5.875 % ) and I should reapply and after applying this time they increased my rate to ( 6.25 % ) and 4 days before the closing date they called me and told me the underwriter just denied your application and by that time I already gave my couch for free my chairs and dinner table and lots of other stuff. We threw away a lot of stuff because we dont have family and friends to help us. I signed my lease away in my apartment and gave them a month notice. I paid {$3500.00} for the title company to hold the title and {$710.00} for the house inspection {$790.00} for bank fees and {$1700.00} for home insurance for a year I am filing a complaint about the bank for canceling my mortgage 4 days before closing. I have XXXX children and my wife and after 4 days we are gon na be homeless in the result. My biggest problem with this situation is why it yoke them so long? Why wouldnt they tell me this and keep it from me for 2 months and why they didnt tell me after a week or so? Now I lost everything.

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