vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
My name is XXXX XXXX, my previous name is XXXX XXXX. I got my first name change through naturalization and I also attached the name change letter in this package. I hired XXXX firm back in XXXX to settle Barclays XXXX with XXXX Rewards credit card with XXXX XXXX XXXX. Me and XXXX Firm agreed to set up a XXXX XXXX account so I can send my money to the XXXX  account and they will use this account to make out payments to XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX agreed to settle the account in the amount of {$3900.00} with XXXX payments monthly from XX/XX/XXXX to XX/XX/XXXX. I also attached the settlement letter in the package. In addition, I attached the statements showing payments from XXXX XXXX account to XXXX XXXX XXXX, along with all receipts for every single payment. 
XXXX XXXX account ending in XXXX XXXX XXXX XXXX account number ending in XXXX Barclays visa with XXXX rewards ending in XXXX. 
Despite I already paid all the settlement amounts, the balance still shows on my credit report. I called XXXX XXXX XXXX to resolve the problem and they told me I made payments to the account ending with XXXX, not the one ending XXXX. I finally figured out that they had misread the account numbers. The payments were going to their account ending in XXXX to pay my account ending in XXXX. I have been calling XXXX XXXX XXXX since XXXX to resolve this problem and the problem still has not been resolved. On XX/XX/XXXX, I called them again and they said the account has been closed from their end since XX/XX/XXXX and has been sent back to Barclays Bank Delaware. 
I directly contacted Barclays Bank Delaware and they told me to send in all supporting documents. On XX/XX/XXXX, I sent all requested documents to Barclays XXXX XXXX via XXXX. I called them XXXX weeks later to check on the status of the documents and they said they received it and working on reviewing, they asked me to call back in XXXX business days. I called them back again in XXXX weeks and they said they were still working on it. I have called them 3 times and nothing has been resolved. Today, XX/XX/XXXX, I called Barclays again and they said they didn't receive any documents from me.This matter has been pushing back and forth for 6 years and honestly I am so tired and my time consuming to get this matter resolved. 
Therefore, I kindly request for your consideration to look into this matter and get the issue resolved for me because it has had a big impact on my credit report for years. I really appreciate your help. Please feel free to contact me via phone @ XXXX or via email at XXXX for any questions or request any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections
that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ashwood Financial Inc
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-05-21 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: NV

Complaint narrative:
I am submitting this statement to report that my personal information was compromised as a result of a recent national data breach. After reviewing my credit report, I discovered several accounts that I am not familiar with In response to these discrepancies, I contacted the Credit Reporting Agencies ( CRAs ) and requested validation of the debts in question. However, I have not received sufficient documentation or confirmation to validate these accounts. Given the potential misuse of my personal information, I have filed a formal complaint with the ( FTC ) regarding the unfamiliar accounts appearing on my credit report. I believe these accounts may be the result of identity theft stemming from the breach of my personal data. I am requesting that the CFPB assist in ensuring the CRAs comply with their obligation to provide proper verification of these accounts or remove the unverified information from my credit file. 

Thank you for your attention to this matter. 

Please view attachments, I have provided a copy of my ID, FTC complaint, and copy of the XXXX showing my information have been exposed.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint because [ Credit Bureau Name ] failed to conduct a reasonable investigation into my dispute regarding the reporting of my bankruptcy.

I recently disputed the accuracy of a bankruptcy listed on my credit report. As part of my due diligence, I contacted the XXXX XXXXXXXX XXXX XXXX XXXX court directly. The court confirmed that they do not furnish, verify, or update any information to credit reporting agencies, including trans Union, Equifax, and Experian.

Despite this, the credit bureau responded that the information was verified without providing any documentation or identifying the source of verification. This suggests that the bureau relied on third-party databases or unverifiable sources rather than directly investigating the accuracy of the item in question.

This practice violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to perform a reasonable investigation and to provide the procedure used to verify disputed information when requested.

I am requesting that the CFPB review this matter and ensure the credit bureau is held accountable for their failure to comply with FCRA regulations. I am also requesting that the disputed bankruptcy item be either removed from my credit report or that I be provided with full details of how it was verified, including the source of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint because [ Credit Bureau Name ] failed to conduct a reasonable investigation into my dispute regarding the reporting of my bankruptcy.

I recently disputed the accuracy of a bankruptcy listed on my credit report. As part of my due diligence, I contacted the XXXX XXXXXXXX XXXX XXXX XXXX court directly. The court confirmed that they do not furnish, verify, or update any information to credit reporting agencies, including trans Union, Equifax, and Experian.

Despite this, the credit bureau responded that the information was verified without providing any documentation or identifying the source of verification. This suggests that the bureau relied on third-party databases or unverifiable sources rather than directly investigating the accuracy of the item in question.

This practice violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to perform a reasonable investigation and to provide the procedure used to verify disputed information when requested.

I am requesting that the CFPB review this matter and ensure the credit bureau is held accountable for their failure to comply with FCRA regulations. I am also requesting that the disputed bankruptcy item be either removed from my credit report or that I be provided with full details of how it was verified, including the source of the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint Against American Express for Unfair Account Closure and Retaliation for Valid Disputes I am filing this complaint against American Express for unfairly closing my credit card account after approving multiple billing disputes that I submitted in good faith. Despite fulfilling my obligations as a cardholder and exercising my legal right to dispute charges, American Express terminated my account citing that some disputes were not made in good faith a claim that contradicts their own decision to approve those disputes.

Summary of Events : I submitted several billing disputes to American Express regarding unauthorized or unresolved merchant transactions.

All or most of these disputes were reviewed and approved by American Express, confirming they were legitimate.

Shortly after, American Express closed my account with a vague and unsupported explanation that some of my disputes were not submitted in good faith.

I received no detailed explanation, no opportunity to respond, and no due process.

I contacted American Express requesting clarification and reconsideration but have received no response to date.

Why This Is Unfair and Deserves Review : 1. Retaliation for Exercising Consumer Rights : The Fair Credit Billing Act grants me the right to dispute inaccurate or unauthorized charges. By closing my account after honoring these disputes, American Express appears to be penalizing me for exercising my consumer protections a retaliatory act that undermines trust in the credit system.

2. Contradictory Behavior : If the disputes were truly not made in good faith, American Express could have denied them. Instead, they investigated and approved them then cited those same disputes as a reason to close my account. This contradictory behavior lacks consistency and transparency.

3. Lack of Due Process or Explanation : I was never given a chance to respond or appeal their decision. American Express has failed to specify which disputes were problematic, or what exactly they consider bad faith. I have attempted to resolve this directly with the company and have been met with silence.

I believe this action by American Express is not only unjust but sets a harmful precedent for any consumer who attempts to resolve legitimate billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 am a victim of identity theft. Copies of my ftc report are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I went to XXXX on XX/XX/year> at XXXX pm and deposited {$7000.00} on my cash app card. The cashier took the money and gave me a receipt. I waited and the money never went on card. I went back into the store and told the cashier that they money is not on my card. She got the manager he checked and said the money was sent to Cash app and that I needed to contact them. I called cash app and was told that they did not see the transaction and would not give me my {$70.00}. I sent them a copy of the receipt. Gave them the transaction number from the store. I gave them the address and telephone number and they still refused to give me my money back. This has caused me so much trouble because I was to pay the lawncare person. Now I have incurred additional fees for the late payment. I don't know what else to do I am disable and on a fixed income and I can't afford to lose this money and to pay additional fees. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i have paid off and paid down my credit cards the last 5 months. my credit score has been increasing ( XXXX POINTS the last 2 months ), i have lowered much of my credit balance usage and paid off holiday purchases in 5 months to the point that now i have a 20 to 25 % lower balance now then in XXXX. and a higher credit score then in XXXX. 
i was told by synchrony bank that they didnt like my credit all of a sudden and lowered my credit line to the point that i again am showing the credit card close to maxed out. This in turn hurts my credit rating and is counter intuitive. i have had this with multiple accounts from this bank, i closed them all. i know their credit care product i had a problem with and have since seen they are being investigated .. ihave since closed this account too,

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 2025-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
I am trying to confirm the accuracy of information given to me by Ygrene/ XXXX. I currently have a loan with them for a solar project and am trying to sell my home. A potential new homebuyer is trying to assume the YGRENE/XXXX loan at closing. However, YGrene is advising us that they have to be first lienholder, and the new mortgage will have to be second lienholder. This info seems very inaccurate. The mortgage company that is trying to fund requires they have to be first Lienholder and YGRENE XXXX is refusing to do a subordination to remain second lienholder for the existing a XXXX loan after closing. Also, I tried to confirm if the new buyer has to do a credit application to assume the YGreen/XXXX loan and am unable to confirm this. 

This is causing a financial hardship for myself, the new homebuyer and everyone involved in my home sale transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear Equifax Information Services LLC I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you delete and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: CA

Complaint narrative:
I recently had two criminal cases expunged from my record. I submitted certified court documents to the back ground check company Checkr showing that the cases were expunged and requested that they be removed from my background check. The background check company investigated the charges, and despite the court orders showing the cases were expunged from my record, decided to keep the cases on my background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I would like you to conduct an investigation for me to make certain that everything is accurate : XXXX XXXX XXXX : XXXX open XXXX XX/XX/year> Account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. -Delete Account Immediately for 15 USC 1681e ( b ).

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