vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX Date : XX/XX/year> Consumer Narrative I am filing this complaint regarding the mishandling of my XXXX XXXX application with Barclays. Despite my compliance with every request, I have received conflicting and inconsistent information from Barclays Customer Security team that has left my application in limbo. 

On XX/XX/year>, I faxed all requested supporting documentation, including : Current government-issued ID Signed Social Security card Pay stub verifying SSN Bank statement Narrative explaining my role and career as a travel nurse, with all supporting documents These are all valid, current, and accurate documents, provided exactly as requested. 

On XX/XX/year>, I was advised in a call to Customer Security at XXXX that my materials had been received via fax, and were in queue for final approval. 
However, on XX/XX/year>, I was advised the opposite that nothing had been received via fax or noted to date. This contradiction is profoundly frustrating, particularly after I made every effort to provide extensive evidentiary support. 

To avoid further delay, I re-faxed all documentation again on XX/XX/year>, ensuring my application ID was clearly noted on each form. 

Harm This situation has caused unnecessary stress, wasted time, and uncertainty. As a travel nurse, I rely on consistent financial tools to manage frequent relocations and expenses. The ongoing mishandling of my application undermines my confidence in the fairness of Barclays process. I have been extremely diligent in ensuring this approval, and it is unfair that I am now being penalized by contradictory internal communication.

Relief Requested I respectfully request that the CFPB ensure Barclays : Expediently locate and process my valid documentation.

Provide a clear, executive-level review to ensure the application is finalized and honored. 

Confirm in writing that my approval has been completed and recognized, as my application was already credit approved prior to these document issues. 

Closing I am eager to use the XXXX XXXX to responsibly manage my travel expenses, and I would prefer to resolve this amicably. However, the repeated inconsistency and disregard for the valid documents I have submitted leaves me no choice but to escalate. I kindly request urgent intervention and resolution today. 

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 2025-09-26 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: CA

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report, as identified below. I demand an immediate investigation to resolve any inaccuracies in the credit report. Otherwise, you must delete them from my credit file. 

1ST PART OF THIS LETTER : PERSONAL INFORMATION Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only Social Security Number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers listed on my report. 

Additionally, please remove all other addresses from my report, as they are not deliverable to me by the XXXX. Postal Service. Under the FCRA, inaccurate addresses are not reportable. 

XXXX PART OF THIS LETTER : CREDIT INQUIRIES I did not authorize anyone employed by the companies listed below to make inquiries or view my credit report. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these inquiries, bearing my signature, authorizing them. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from my credit file. 

The FCRA states that the only permissible purposes for pulling a credit report are : A firm offer of credit, Insurance, Court order, or Employment.

I am unaware of the inquiries listed below. Since I never authorized them, I demand that your agency remove them from my credit report. 

XXXX PART OF THIS LETTER : INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts that you report. Otherwise, fraudulent accounts could easily be submitted by fax, mail, or email. 

I demand verifiable proof ( an original signed consumer contract with my signature ) for the accounts listed below. Your failure to positively verify these accounts has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you can not provide a copy of verifiable proof, you must delete the account immediately. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. 

Also, be advised that I am aware that no statute in the FCRA requires me to provide a Power of Attorney, nor does the absence of such documentation allow you to delay the processing of a consumers dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-26 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT AS IT DOES NOT REFLECT MY CONSISTENT ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS CLEARLY INCORRECT AND UNFAIRLY HARMS MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY.

UNDER THE TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. 1666B THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE DOCUMENTING THIS ISSUE, WHICH HAS BEEN OUTSTANDING SINCE XXXX, DEMONSTRATING A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS. 
I HAVE BEEN DISPUTING THIS MATTER FOR MONTHS AND I URGE YOU TO CONDUCT A PROMPT INVESTIGATION. PLEASE UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY. FAILURE TO CORRECT THIS ERROR MAY RESULT IN MY SEEKING MONETARY DAMAGES IN SMALL CLAIMS COURT. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY THE PAYMENT IS INACCURATELY REPORTED AS LATE. 
I RESPECTFULLY REQUEST YOUR IMMEDIATE ATTENTION TO RESOLVE THIS MATTER.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I opened a bank account, while waiting for my paycheck to come in they closed my account and will not give me an answer on how or when to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: CA

Complaint narrative:
I purchased a gift card ( XXXX Gift Card ) from Klarna to be sent via phone number. 
I never got the gift card via phone number so I reached out to Klarna. They told me to talk to XXXX and I did. XXXX could not help me because I bought the product from Klarna. 

I have been bounced back and forth between the companies and no one has offered help. A Klarna employee even said the gift card has not been used. I even asked if they could send a new gift card. They have denied to help me even with evidence provided. 

Klarna does not care about helping me. They have offered no solution, just keeps telling me to talk to XXXX. I sent Klarna a screenshot from my conversation with XXXX saying to reach out to Klarna. 

I've spoken to about XXXX Klarna employees and none of them offered a solution, no help. This has been ongoing for about 2 months now and they refuse to help me. Even the managers do not help. They continue to take my money with no resolution for me. 

I have my evidence if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TN

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 2025-09-26 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: 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. 

Please delete the following 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 has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX 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 generally, 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-26 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: PR

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : 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 2025-09-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Exeter Finance LLC Re : Dispute of Inaccurate Reporting Exeter Finance LLC ( Acct Ending XXXX ) To Whom It May Concern, I am disputing the reporting of the account listed above. Issue : Reported as 'Paid in Full/ Was a Charge-off '. This is contradictory. 

Please conduct a reinvestigation under FCRA 611 ( a ). If the furnisher can not fully verify this account, it must be removed from my credit report. Provide me with the results of your investigation within 30 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-26 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year> I went to deposit money into a Wells Fargo ATM ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). I had counted the full amount of the deposit as some of the money did not belong to myself, multiple times. The amount total was {$3000.00} - With the breakdown of the money being XXXX {$100.00}, XXXX x {$20.00}, and a XXXX XXXX XXXX bill. When depositing the money I broke it into XXXX piles. 
The first deposit should have been for {$2600.00} ( XXXX XXXX  and XXXX XXXX. ) When it deposited it said however that only {$1900.00} was counted. I then entered the remaining money {$420.00} to bring the total to {$2300.00}. I instantly noticed that something was off and called the other person whose money was the {$2600.00}. We had counted it both twice since this money was going to be paid out to other people we work with. I then went into the bank and they informed me the ATM is serviced by a thrid party. I opened a claim with Wells Fargo who contacted me about a week later to inform me that they decided no error occured. 
However, they could not tell me the breakdown of the bills from my depsoit like I had requested becasue I knew exactly the bills I had when I went to deposit my money. Just to be sure that the money was not somehow dropped or misplaced I went back and checked all over the house and car. I only had the money for a short time between the count and the deposit, as well I did not leave my car or anything like that. 
The money was counted XXXX times by multiple persons so we know there was no chance of it being off by this amount.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
b'I obtained a new telephone number in XXXX  of XXXX. Since that time I have received repeated collections calls from Midland Credit Management attempting to collect from the previous owner of the phone number, one XXXX XXXX. \nAfter multiple calls daily, and explaining that I was not, am not today, nor will I ever be XXXX XXXX, Midland Credit Management has continued calling multiple times daily beginning at XXXXI have maintained records of the most recent calls detailing, again, why I am not, nor will I ever be, XXXX.XXXX. \nMost recent calls:XXXX XXXX XXXX - Number XXXX XXXX XXXX - Number XXXX XXXX XXXX XXXX - Number XXXX XXXX XXXX - Number XXXX XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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