vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/year> I ordered a product from XXXX XXXX using my Barclays American Airlines Card for XXXX. Several weeks in I didnt receive the product and inquired and was told they were having shipping issues. I disputed the charge with Barclays. After several weeks of not receiving the product, I emailed them to cancel the order since I had not received it. I received an email that stated they were going to mail it out again, and I reiterated I do not want the product, but they mailed it any. Two month after I ordered it the product arrived. Barclays closed my dispute siting the product arrived, even though I told them not to send it and it was two months late. However, Barclays told me to try and return it, and if they dont respond to reopen the dispute ( through fax ) and send supporting artifacts to highlight I requested the return, but I havent received a response. Once I didnt receive a response from Rare Supplements I sent the fax to reopen the case with the information requested. Now Barclays closed the dispute again stating I didnt provide the required information, even though I sent them exactly what their management team requested. Now they want me to provide them more information and I am just getting a run around. PLEASE 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 monetary relief
Consumer complaint received 2025-06-18 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Pintor Partners, LP
State: TX

Complaint narrative:
Transaction was cancelled without any notification, called to ask about it, they said refund was sent and it should take 2 to 4 hours to be completed and reflecting on my form of payment account. 

Its being about 20 hours and funds have not being deposited back to my account.

They charged money at the time of money transfer being made but now after 4 calls they now say it should take 3 to 5 business days for refunded funds to be available in my bank account. 
Company : Barri Money Services , LLC DBA : XXXX XXXX XXXX XXXX, Suite XXXX Amount : {$300.00} Transaction number : XXXX Cofirmation number : XXXX XXXX, TX XXXX, XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TN

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
XXXX XXXX is reporting an account that contains inconsistent, inaccurate, and unverifiable information across all three credit bureaus. XXXX  reports 8 late payments and a balance of {$34000.00} Equifax reports 2 late payments and a balance of {$34000.00} XXXX  has deleted the account entirely due to inaccuracy. I have submitted multiple disputes to Equifax, including detailed letters, proof of address, law-based demands, and still have received no resolution. This contradicting data violates FCRA 1681e ( b ), which requires maximum accuracy. If the data were accurate, all three bureaus would match. I am requesting full deletion of this account and written confirmation of its deletion. I am including copies of previous disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am having trouble getting the credit bureaus to investigate my dispute. I have disputed on two different occasions and provided all required information and they still refuse to investigate an nothing has changed on my credit reports. There are multiple inaccurate accounts that are reporting damaging information that's hurting my ability to obtain credit, get transportation and get proper housing. I feel this is wrong because it's really easy to correct but they are not following the law and doing their jobs. Filing this complaint for my records moving forward for their 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 2025-06-18 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company 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 2025-06-18 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am writing to formally submit a complaint regarding a debt claim reported by XXXXXXXX XXXX XXXX which I believe violates my constitutional rights and has caused me undue harm. 

According to Article I, Section 10 of the United States Constitution, " No State shall ... make anything but gold and silver Coin a Tender in Payment of Debts. '' Based on this clause, I assert that demands for payment not involving lawful gold or silver coin are constitutionally questionable. Additionally, it is my firm position that any alleged debt must be properly validated through a sworn affidavit under penalty of perjury, establishing the debts legitimacy, its origin, and the identity of the original creditor. 

Despite these fundamental requirements, I was subjected to collection efforts and reporting by XXXX XXXX XXXX without proper sworn validation of the debt. I sent a request for validation, yet I never received a sworn affidavit or any statement made under penalty of perjury. I believe this is in direct violation of my rights and has caused substantial financial and reputational damage. 

Furthermore, I reference XXXX XXXX XXXX, issued during the Trump administration, which calls on the financial regulatory system to uphold constitutional principles and ensure transparency and accountability. I believe the actions taken by XXXX and related entities fall outside of that executive guidance and demand oversight. 

In light of these facts, I respectfully request the following : That all records related to XXXXXXXX XXXX XXXX be fully investigated and that no unvalidated or constitutionally non-compliant debt be allowed to stand. 

That all negative items be removed from my credit report, particularly those connected to XXXX XXXX, with whom I am engaged in a fraud caseCase No. XXXX well as any other inaccurate or unsupported reporting. 

That the CFPB take appropriate enforcement or remedial action to ensure that my rights under the Constitution are protected. 

I appreciate your attention to this matter and urge you to take swift and appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally submit a complaint regarding a debt claim reported by XXXXXXXX XXXX XXXX which I believe violates my constitutional rights and has caused me undue harm. 

According to Article I, Section 10 of the United States Constitution, " No State shall ... make anything but gold and silver Coin a Tender in Payment of Debts. '' Based on this clause, I assert that demands for payment not involving lawful gold or silver coin are constitutionally questionable. Additionally, it is my firm position that any alleged debt must be properly validated through a sworn affidavit under penalty of perjury, establishing the debts legitimacy, its origin, and the identity of the original creditor. 

Despite these fundamental requirements, I was subjected to collection efforts and reporting by XXXXXXXX XXXX XXXX without proper sworn validation of the debt. I sent a request for validation, yet I never received a sworn affidavit or any statement made under penalty of perjury. I believe this is in direct violation of my rights and has caused substantial financial and reputational damage. 

Furthermore, I reference XXXX XXXX XXXX, issued during the Trump administration, which calls on the financial regulatory system to uphold constitutional principles and ensure transparency and accountability. I believe the actions taken by XXXX and related entities fall outside of that executive guidance and demand oversight. 

In light of these facts, I respectfully request the following : That all records related to XXXXXXXX XXXX XXXX be fully investigated and that no unvalidated or constitutionally non-compliant debt be allowed to stand. 

That all negative items be removed from my credit report, particularly those connected to XXXX XXXX, with whom I am engaged in a fraud caseCase No. XXXX well as any other inaccurate or unsupported reporting. 

That the CFPB take appropriate enforcement or remedial action to ensure that my rights under the Constitution are protected. 

I appreciate your attention to this matter and urge you to take swift and appropriate action.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive already sent documents before to get this error cleared. Please ensure you are doing your best to report accurate information to my consumer report. Refer to the Fair Credit Reporting Act 15 USC 605 b Review & BLOCK information highlighted enclosed

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 2025-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CADENCE BANK
State: FL

Complaint narrative:
It happened XXXX of XXXX  and it happened again in XX/XX/XXXX. They let a computer figure out what needs to be done and if it makes an error the customer, ie me, has to pay for the mistake XX/XX/XXXXXXXX  that is costing me an extra {$150.00} a month to pay for the mistake they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I advised the company I sent the email with proof of having insurance and they have now put on my credit I owe them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
Experian has the following incorrect information on my report : XXXX Balance {$42000.00} Balance updated XX/XX/XXXX. This account is Fraudulent XXXX XXXX XXXX Balance {$12000.00} Balance updated XX/XX/XXXXXXXX  This account is Fraudulent XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX - Never lived here XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Never lived here

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 2025-06-18 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: NV

Complaint narrative:
I am writing to formally lodge a complaint against these accounts concerning the unauthorized reinsertion of items that were previously removed from my credit report. Despite having successfully resolved this issue before, these items have reappeared, causing undue distress and potential harm to my credit standing. Please see attached documents for these items I am complaining.

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 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I'm requesting the company to be investigated for over charging on interest and charges I'm asking for validation is to why the charges and high interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-18 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: AL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
on XX/XX/year> I made a bill pay to my credit card company for {$2200.00} and it has never been received by the card company. The card company can not find the payment and Wells Fargo refuses to cancel or call back the payment.

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 2025-06-18 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, XXXX XXXX Code XXXX. you are legally obligated to block fraudulent information from my report within XXXX days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, XXXX XXXX Code XXXX. you are legally obligated to block fraudulent information from my report within XXXX days.

Company response to consumer: Closed with explanation