vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an unauthorized hard inquiry that appeared on my XXXX  credit report on XX/XX/XXXX, from : Creditor Name : BRCLYSBANKDE Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Type : Commercial Banks Inquiry Date : XX/XX/XXXX I did not authorize or apply for any credit with Barclays Bank Delaware, nor do I have any ongoing or existing credit relationship with them. This inquiry was made after I filed for XXXX XXXX XXXX, and Barclays Bank Delaware was included in my bankruptcy case and discharged. 

Bankruptcy Filing Details : Filed by 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  This hard inquiry appears to be a violation of the Fair Credit Reporting Act ( FCRA ) as well as a potential violation of the post-discharge injunction under 11 U.S.C. 524, which prohibits creditors from attempting to collect or access information for collection purposes on discharged debts.

My Request : I respectfully ask that the CFPB : Investigate Barclays Bank Delawares reason for initiating this inquiry. 

Determine whether they had a permissible purpose under the FCRA to access my credit report post-bankruptcy. 

Take appropriate enforcement action, if warranted. 

Assist in having this hard inquiry permanently removed from my XXXX report if it is found to be unauthorized. 

I have disputed the inquiry with XXXX and have begun documenting all related communications. I am also copying this complaint to my bankruptcy attorney for potential further legal recourse. 

Thank you for your attention to this matter and your continued protection of consumer rights. 

Sincerely, XXXXXXXX XXXX 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 2025-08-06 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: MI

Complaint narrative:
Problem started XXXX  XXXX of this year when I attempted to access my Experian free account. A multitude of times I attempted to gain access to my account. Tried the forgot password forgot username all to no avail, as apparently there is a conflict with my telephone number. in some instances, it says that my phone number that I entered is not what they have on file in other places and when I tell them to send me a security code so I can confirm my identity to get this resolved. The site says that they sent me a code and I can have it resent if I didn't get it right away. Code never appears on my phone. I try the telephone call option to get security code and the phone call never comes even though they say they sent it. I can find no option with their automated system to get a resolution of this problem, there's no way I can answer the question correctly to get to a live agent which I desperately need because I need to freeze my credit accounts and I can not do so because I can not access my account. I was able to run my credit report without issue however I can not freeze my account because they say that I basically don't exist I'm really not sure what the issue is because I can't get anybody to address it. They know I'm having a problem. They acknowledge. I'm having a problem Yet. It doesn't garner enough attention to get anybody to call me. I'm getting desperate. I really need to get this resolved and can't find another Avenue to do this. Please help anyway you can.

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 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

Company 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently was a victim of identity theft. I followed the protocols for identity theft for each bureau and they still have refused to remove this account from my credit profile. I sent police report as well as FTC report reporting this fraudulent account XXXX XXXX. Upon completing their investigation they are saying they verified this account belonged to me but can show no proof. This is a violation of my rights.

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 2025-08-06 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: MD

Complaint narrative:
I am sending this letter as a final notice to TransUnion regarding their failure to comply with my identity theft dispute submitted on XX/XX/year>, under 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ). Despite providing all required documentationincluding proof of identity, a police report, and a written requestTransUnion has not blocked the fraudulent information from my credit report within the XXXX business days required by law. This letter demands immediate action and warns of further legal steps if compliance is not met within XXXX days.

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 2025-08-06 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: GA

Complaint narrative:
They have consistently misinformed me and they're threatening to sell my car!! Westlake Financial delivered a letter to me that says " NOTICE OF PROPERTY SALE ''. In the letter, it states that I have " broken promises '' on the agreement but never states what promises were broken. Even the representatives failed to be able to tell me what promises were broken. When I first called the customer service line, they said it was XXXX for me to retrieve my car from them and that they have picked it up from the impound. The second time I called they said its XXXX} to retrieve my car and that it hasn't been picked up from the impound.

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 2025-08-06 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 XXXX 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 2025-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX XXXX was deposited into navy federal credit union. 

Before XXXX Navy Federal Credit Union was an issue for me shutting down accounts and making it impossible to repair my credit and save money. 

XXXX XXXX transactions in the amount XXXX were made and navy federal credit union took XXXX with no explanation and they were called in regards to this transaction. 

XXXX XXXX transaction for XXXX the account was closed and reopened. 

Reached out to navy federal credit union many times results werent positive and they also flagged my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Got two certified letters from Huntington saying that in several weeks they are ending their relationship with me due to risk tolerance. I dont know what this means and they didnt give me any more information. I have been a customer with Huntington for XXXX years and this is unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Complaint submitted XX/XX/scrub>/2020 the company responded with needing more information on my account which I cant access since my account is closed and log in information no longer works. They responded by saying theyve reached out but I have not reached anything other than emails asking to pay off balance. But the bank no longer owns the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
THEY HAVE BEEN REPORTING INACCURATE INFORMATION AND PERSONAL INFORMATION ON MY PROFILE. ALONG WITH MY ADDRESS. 

I AM NOT LIABLE for this debt with XXXX XXXX XXXX  I DO NOT HAVE A CONTRACT WITH LVNV FUNDING LLC, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am not responsible for these accounts, as they were opened fraudulently. Please remove them from my credit report within XXXX  days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America Travel Rewards Credit Card is holding on to a credit balance of {$2000.00} since XX/XX/XXXX. After XXXX attempts via calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XXXX with customer service to refund the balance via check, they still have not sent it to me. They also have not recorded any details or took any notes from a call with a representative on XX/XX/XXXX where it was stated a paper check would be mailed to my address. On XXXX, a supervisor indicated there are no notes that this was said on 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 monetary relief
Consumer complaint received 2025-08-06 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
Upon reviewing my credit report I noticed many inaccuracies on the account listed below. Its my understanding that you will investigate these items for me to make sure they are all accurate and complete. Thank you in advance! 

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 2025-08-06 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
An account I did not initiate or approve is being reported on my credit report. I have submitted identity theft documentation, but the account remains.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a late payment that has been reported in error on my credit file. This negative mark does not reflect my actual payment behavior, and I believe it was added mistakenly.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received a Wells Fargo credit card I never applied for

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Subject : Formal Appeal of Claim # XXXX Services Not Rendered {$320.00} Dear Wells Fargo Dispute Resolution Team, I am submitting a formal appeal for Claim # XXXX, which was denied due to the charge being over 90 days old. However, I respectfully request that the claim be reconsidered based on the nature of the transaction and applicable consumer protection laws. 
The service associated with this transaction was not scheduled to be rendered until well after the original purchase date, which placed the expected delivery beyond the typical 60-day dispute window. As a result, I could not have reasonably known at the time of the charge that the merchant would fail to provide the agreed-upon service.

Despite repeated attempts to resolve the issue directly with the merchant, the service was ultimately never delivered, and I was left without the benefit of the service I paid for. 
This situation qualifies as a service not rendered dispute under both XXXX chargeback guidelines and consumer protections provided under Regulation E of the Electronic Fund Transfer Act. These protections acknowledge that in cases where a good or service is not delivered as promised, consumers may dispute the charge even outside of the typical timeframe especially when delivery was expected in the future. 
To support my appeal, all documentation has been submitted and the other charge in question was approved. 
I am requesting that the claim be reopened or escalated for further review. Please let me know if any additional documentation is needed. 
Thank you for your time and consideration. 
Sincerely, 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