vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX, a credit card was opened under my name without my consent. I froze my credit and filed a dispute on this hard inquiry and credit card. I called on XX/XX/XXXX and the Barclays Bank representative ( XXXX ) informed me that I had to give him my social security number, birthdate, and drivers license number to close the account. I did not feel comfortable with that. The next week, I filed a dispute online with the bank and have not heard back. On XX/XX/XXXX, I called the bank again and was informed they would close the fraudulent account. While some charges have been dropped, not all have and the account is still active. I have sent in a formal dispute letter from the FTC with no luck on closing the fraudulent account.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: MN

Complaint narrative:
I opened a Netspend debt account while they were running a new customer promotion. I met the requirements for the promotion and havent received a {$200.00} credit. Ive messaged, emailed, and called the company and keep getting different answers for the reasons why I havent been credited. This has been going now for roughly XXXX weeks and I havent gotten anything resolved with getting my credit for signing up for the product.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Bounce AI Inc is reporting a collection account allegedly from XXXX XXXX. I dispute the accuracy and validity of this reporting. The account was charged off, meaning it has been written off as a loss, and the furnisher has not provided any documentation proving ongoing liability or ownership. Continuing to report the debt without validating ownership and the underlying agreement is misleading under the FCRA. 

Violations : 1681e ( b ) and 1681s-2 ( b ) for failure to accurately report and investigate.

1681i ( a ) ( 5 ) ( B ) requiring deletion of unverified info.

UCC 3-501 & 3-505 for lack of original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need credit bureaus, such as Experian and XXXX, to correctly update all information on payments made with my XXXX XXXX credit card, for all months this year, since the account was opened, because payments are missing for the last few months, from 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 2025-08-01 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I currently disputed XXXX XXXX XXXX XXXX which was deleted thanks to the help of the cfpb. due to the lack of the credit bureaus properly deleting personal information like I requested which were address and phone numbers. SOMEHOW NOW XXXX XXXX XXXX XXXX has popped back up and is back damaging my credit. I need this account removed for good scammers are getting smarter and smarter. I really want to sue TransUnion and Eqifax for all this pain and suffering I have been going through these past 5 years. there's also a new inquiry has also just hit my consumer report that I didn't have anything to do with that also needs to be removed ASAP.

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 2025-08-01 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: NY

Complaint narrative:
I am requesting the permanent deletion and full suppression of the following accounts and inquiries from my credit report, as they are the result of identity theft. I have already provided all supporting documents, including an FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address. Under FCRA 1681c2, these entries are required to be blocked within 4 business days. 

Fraudulent 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 XXXXXX/XX/XXXX Requested Resolution XXXX XXXX XXXX XXXX all listed accounts and inquiries Blocking of identity theftrelated data under FCRA 1681c2 Reissuance of a corrected and updated credit report Written confirmation verifying deletions and completion of investigation If this is not resolved in a timely and compliant manner, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX XXXX  and the Office of the Attorney General in both your state and mine. Additionally, I reserve the right to pursue legal remedies under FCRA 616, including up to {$1000.00} per violation in statutory damages, attorneys fees, and other court-awarded compensation.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I currently disputed XXXX XXXX XXXX XXXX which was deleted thanks to the help of the cfpb. due to the lack of the credit bureaus properly deleting personal information like I requested which were address and phone numbers. SOMEHOW NOW XXXX XXXX XXXX XXXX has popped back up and is back damaging my credit. I need this account removed for good scammers are getting smarter and smarter. I really want to sue TransUnion and Eqifax for all this pain and suffering I have been going through these past 5 years. there's also a new inquiry has also just hit my consumer report that I didn't have anything to do with that also needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I currently disputed XXXX XXXX XXXX XXXX which was deleted thanks to the help of the cfpb. due to the lack of the credit bureaus properly deleting personal information like I requested which were address and phone numbers. SOMEHOW NOW XXXX XXXX XXXX XXXX has popped back up and is back damaging my credit. I need this account removed for good scammers are getting smarter and smarter. I really want to sue TransUnion and Eqifax for all this pain and suffering I have been going through these past 5 years. there's also a new inquiry has also just hit my consumer report that I didn't have anything to do with that also needs to be removed ASAP.

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 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I purchased my Kia XXXX in XXXX  in 2024. About six weeks ago I had to transport my car from XXXX  to XXXX  for work. Now I am trying to transfer my car back from XXXX  to XXXX  and all I need from Kia Finance is a lien release letter stating that I can transport my car from XXXX  back to XXXX. I have sent three emails with the required documentations and in addition I have tried to contact customer service and send additional emails requesting the lien release letter with no response. I need this letter to transport my car back to the mainland so please help me in obtaining this letter as I have had no luck in getting a hold of Kia finance. I have emailed XXXX multiple times with no response and I have reached out to customer service with no luck and no resolution of the Situation

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 2025-08-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX 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 XXXX XXXX - XXXX XXXX XXXX  - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Protocol Recovery Service, Inc.
State: GA

Complaint narrative:
Iam writing to file a formal complaint and dispute regarding inaccurate or unresolved information on my credit report and/or improper actions taken by a financial institution. Despite my efforts to resolve this issue directly with the company in question, it remains unresolved and is negatively impacting my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-01 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: MA

Complaint narrative:
I am writing to file a formal complaint against for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681i ( XXXX ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumer 's dispute. To date, I have not received this required information. 

15 U.S.C. 609 ( a ) ( XXXX ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( XXXX ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( XXXX ), I request that you delete any unverifiable information. 

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated XXXX timeframe. The results of the investigation did not adequately address my concerns. 

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within XXXX business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( XXXX ) and 1681i ( XXXX ), any unverifiable or inaccurate information must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I tried to call Experian at XXXX different phone numbers and only got their automated system with NO WAY to get to a live person to get an answer to my question on why XXXX XXXX XXXX  was unable to access my credit file on XXXX XXXX when I had thawed the freeze on the file on XXXX XXXX thru XX/XX/year>. I rethawed the freeze on XXXX XXXX to last through XXXX XXXX. On XX/XX/year>, XXXX was still unable to access the credit report. XXXX needs to allow for access to a live person to resolve issues.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I previously disputed this item, and Equifax responded by stating that the information was verified as accurate through confirmation with the court. After contacting the courts, I received a response ( attached ) clarifying that they have not and do not furnish, report or validate any consumer information to you or any credit bureau. As such, your response indicating verification with the court appears inconsistent with the court 's statement. This raises concerns regarding compliance with FCRA 611 ( 15 U.S.C. 1681i ), and I am requesting that this account be removed. Investigations should consider all supporting documentation and accurately reflect findings in accordance with regulatory standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit acceptance still showing closed account on report account was paid in full in the year of XXXX would like it remove as it having a negative impact on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-01 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: Nelnet, Inc.
State: MD

Complaint narrative:
The student loan indicated on my report has a date in XXXX for an amount of {$130000.00}. 
I graduated in XXXX, and my loan was paid off shortly after. 
I believe that the loan indicated on my report belongs to someone else, as I did not apply for a student loan in XXXX or anytime after my graduation.

Company response to consumer: Closed with explanation