vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
XX/XX/XXXX : I signed up for XXXX  online and put a freeze on all future credit and requested a fraud alert be placed on account. As I perused my XXXX  credit score I noticed a difference in total amount owed relative to XXXX  information. The amount was {$570.00}. 



XX/XX/XXXX We received fraud report on via txt message on my phone. I Immediately called Barclays XXXX XXXX afterwards whom is issuer of credit card and attempted to dispute that I owe extra charge and received no resolution from the company customer service all that was said was that she could see no charge on my accout that what I was paying was extra interest monthly as I have for 12 years and $ XXXX. 

XX/XX/XXXX : we received an email from an company called XXXX via XXXX. 
The amount is exactly the difference in the XXXX reports online. The email said they were confirming an order WHICH I DID NOT place or make. I have a downloaded copy of email received and went as far as calling XXXX to confirm suspicion that I had been defrauded. The customer service agent disconnected and when I tried to call again recover no answer. I have also tried to email and place a fraud claim but can get no information that will effectively allow me to recoup the {$570.00}.

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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

My information was involved in an Equifax data breach : Please remove these 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the accounts is mandated. Kindly review the listed account below that requires correction : 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 2025-06-30 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2025-06-30 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
This complaint concerns multiple late payment entries currently being reported on my TransUnion credit file, each of which I am disputing as inaccurate, unverifiable, and misleading. The accounts listed either show a XXXX past due balance, are closed and fully paid, or do not include proper documentation to justify any derogatory status. Despite this, TransUnion continues to report these entries as late payments, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are : XXXX, account ending in XXXX, reported late on XX/XX/XXXX, despite being closed and paid in full with a {$0.00} balance. 
XXXX XXXX, account ending in XXXX, with a reported late payment dated XX/XX/XXXX, also closed and paid, showing a {$0.00} balance. 
XXXX XXXX, account ending in XXXX, reported late on XX/XX/XXXX, yet the report clearly states the account is open and has no past due balance making the derogatory reporting both incorrect and contradictory. 
XXXX, account ending in XXXX, reported late as of XX/XX/XXXX, with no supporting records provided or justification given. 
XXXX, account ending in XXXX, with a reported late payment dated XX/XX/XXXX, again lacking proper verification or supporting documentation. 

TransUnion has not provided me with any concrete, dated, or creditor-sourced documentation to verify the accuracy of these derogatory entries. I have not received bills or statements indicating these payments were ever missed, and the presence of late payments on closed, paid, or non-delinquent accounts is not only inaccurate it misrepresents my credit behavior and lowers my score unfairly. 

I take my financial standing seriously and monitor my credit regularly. When I find derogatory entries like these, especially on accounts with XXXX balances or those that are long closed and resolved, it is extremely frustrating and damaging. These entries create barriers to future credit opportunities and cast an inaccurate reflection of my payment history. 

TransUnion is legally required under 15 U.S.C. 1681e ( b ) to report information with maximum possible accuracy, and under 15 U.S.C. 1681i, to conduct a proper reinvestigation when items are disputed. So far, TransUnion has failed to meet either of these obligations in relation to the accounts listed above.

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 2025-06-30 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: LA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: OH

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX on my TransUnion credit report. I requested full validation of the debt, including original signed agreements and proof of the amount owed. XXXX failed to provide this documentation. Despite this, TransUnion continued to report the unverifiable collection account, causing financial and emotional harm. I have already paid and settled other claims with XXXX, and XXXX of these accounts was removed from my credit report after dispute. However, this particular account remains on my report without proper validation. I request that TransUnion investigate thoroughly and remove this unverifiable collection to correct my credit history.

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 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint against : U.S. Bank Trust, N.A., as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX I am the Trustee of the XXXX XXXX XXXX XXXX, which holds legal title to the property at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

A foreclosure action was initiated based on a retroactive mortgage assignment filed after litigation began, which violates both New Jersey XXXX ( XXXX, XXXX ) and federal tax law governing Real Estate Mortgage Investment Conduits ( REMICs under 26 U.S.C. 860A860G ). 

The trust ( XXXX XXXX XXXX XXXXXXXX ) had already closed when the assignment occurred. SEC filings confirm the cutoff date, yet the foreclosure proceeded based on this improper document. 

The law firm XXXX XXXX XXXX submitted these filings in court, constituting fraud upon the court, misuse of trust instruments, and procedural theft. 

This conduct : Deprives my trust of lawfully held property Violates REMIC compliance rules and trust governance May involve securities fraud ( SEC Rule 10b-5 ) May trigger false reporting under SSA Title IV I have filed an emergent motion in Superior Court of NJ ( Docket No. XXXX ) and referred this case to the SEC, IRS , FINRA , and SSA OIG. 

I request the CFPB open an investigation and coordinate with other federal enforcement bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Sezzle Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SEZZLE INC This account was already removed and was placed back on report please remove ASAP I am writing to dispute the inaccuracy on these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IN

Complaint narrative:
m writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted. 

Account Details : 1. 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 2025-06-30 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: DC

Complaint narrative:
There are fraudulent collections on my credit report from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. This is not my debt. I am a victim of identity theft and have an Identity Theft Report and police report I can provide to support this. Please see attached the documents. I request to remove these collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am filing this complaint to dispute an inaccurate charge-off currently being reported on my credit reports by XXXX XXXX  and TransUnion for an account listed as XXXX XXXX XXXX, account number ending in XXXX, with a reported charge-off date of XX/XX/year>, and a balance of {$11000.00}. 

This charge-off entry is deeply concerning and completely unverifiable. I have not received any documentation from XXXX XXXX XXXXXXXX proving that this account was lawfully charged off, nor have any of the credit bureaus provided me with legitimate verification in response to my dispute. It appears this entry has been allowed to remain on my reports without proper validation or supporting records, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I take my credit profile seriously and actively monitor it to ensure that all reported information is accurate, complete, and reflective of my actual financial history. A charge-off of this magnitude especially XXXX that is not backed by billing history, original account agreements, or final account status notices severely damages my creditworthiness and misrepresents my financial conduct. 

Under 15 U.S.C. 1681e ( b ) of the FCRA, the credit bureaus are required to maintain and report only information that is verified and as accurate as possible. Additionally, 15 U.S.C. 1681i mandates that a credit bureau must conduct a proper reinvestigation and remove any information that can not be verified. So far, all three bureaus have failed to meet either standard in regard to this charge-off. 

The fact that this charge-off has remained on my reports despite having a questionable foundation with no signed agreement, no clear chain of communication, and no payment history provided reflects either a failure to properly investigate the dispute or a complete disregard of the FCRAs legal requirements.

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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have tried to asked a chargeback to my bank Wells Fargo because I have been scammed. I sent a money to an impostor person who pretends to be the owner of the house we want to rent. They close and denied my case because they believed that there was no scam or fraud transaction that has happened. I do not agree with this reason. They didn't even go through more investigation and did not even give me a chance or ask further details to prove that my transaction was a scam. I have already reported this to XXXX as well as to FTC and iC3. Upon saying this, they did not even ask for evidences or direct me to some right procedures like asking for any proof that I have to prove my case. I felt like my right as a costumer has been violated.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-06-30 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: UT

Complaint narrative:
Im writing regarding an account that appears on my credit report which is currently involved in pending litigation. Given the active legal dispute surrounding this account, its continued presence on my credit file is not only inaccurate, but also misleading and premature. 

Until the legal process is resolved, any reporting of this account is incomplete at bestand at worst, a misrepresentation of the situation that could unfairly damage my creditworthiness. The Fair Credit Reporting Act ( FCRA ) clearly mandates that only accurate and fully verifiable information be reported. Reporting an account thats actively tied up in litigation violates both the spirit and the letter of that requirement.

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 2025-06-30 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: OH

Complaint narrative:
I've disputed this address 3 times and this is my last time before I take legal action. The address XXXX XXXX XXXX XXXX XXXX is not associated with me nor have I ever lived there. I haven't lived in XXXX  since XXXX. Please remove this address from my report like all other credit companies have or I will pursue legal action for your company illegally reporting fraudulent information on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Last XXXX I tried to make a deal with XXXX XXXX XXXX and XXXX both through Comenity Bank by phone. The XXXX credit card is paid off, without any issues. However, for the XXXX XXXX XXXX card the amount they were asking for was too much. I had told them I was financial hardship, and their response was to ask for/demand an amount that was higher than I could pay. The fees on the XXXX XXXX XXXX card had gotten out of control after a few misunderstandings on my own part. I possibly charged {$50.00} on the card, but that is an overestimate. And suddenly they were asking for a lot more. I wanted help and asked for it, but I could not give them what they wanted, simply because I did not have it. I was trying my best. I did have credit protect on XXXX or both cards, as well, although they were both fairly new cards and I don't know how that works.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
As a XXXX XXXX  daughter of immigrants, I run a small, independent hairstyling business and rely on every appointment to pay my bills and support my family. I have served this client, XXXX XXXX, since XXXX  and provided professional, premium services with care and expertise. 

Unfortunately, despite our ongoing relationship, XXXX filed a false chargeback claiming the payment was unauthorized. This has caused significant financial and emotional strain. It feels especially unfair because she has a background of privilege and education including studies at XXXX XXXX and is using her resources to dispute legitimate services that I provided in good faith. 

I have tried to resolve this with XXXX  directly, but they have not adequately supported me or protected my rights as a small business owner. I am asking for help to prevent service providers like me from being exploited by customers who misuse dispute systems, and for XXXX  to provide better protection and transparency during these cases.

Company response to consumer: Closed with non-monetary relief