vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am writing to file a complaint against Barclays Credit Card - XXXX with XXXX XXXX, which decided to drastically decrease my Credit Limit by XXXX % after I paid off my credit balance in a timely manner. On top of that, they decided to put a payment hold for XXXX days even though the money/funds were deducted from my bank checking account. With that, they hold my funds for many days, and I can not use my card for regular living expenses for XXXX days. This is unfair and not a proper action by this Credit Card company. This is the third time that the company is permitted to take this kind of action. Please report it. 

Greatly appreciate to action against this company. 
Thank you

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 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Lightning Mortgage Holding Company Inc
State: MI

Complaint narrative:
I've received unsolicited text messages from XXXX XXXX with XXXX XXXX Mortgage, XXXX # XXXX. Finally, after receiving multiple texts in a day, I texted STOP to opt-out of the texts. Not even XXXX minutes later, I receive a new text from the same company from a different mortgage loan XXXX named XXXX. This all happened today, XX/XX/year>.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
In XX/XX/XXXX, I had genetic testing bloodwork drawn at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ga. The bloodwork was sent to XXXX XXXX in XXXX, GA. I was told due to the paperwork I filled out and the fact that my mother died from a genetic XXXX and had markers to pass the XXXX to me, the test was free. In XX/XX/XXXX, I received XXXX bill from XXXX saying I owed over {$500.00} for the test. I called XXXX and my ordering doctor at XXXX XXXX XXXX XXXX and everyone said it would be fixed. I never received another bill or statement. On XX/XX/XXXX, I started receiving calls from Transworld Systems XXXX XXXX ( XXXX ) supposedly out of XXXX, GA ( there is no proof of a branch in XXXX, Ga ) stating that they were trying to collect a debt owed to NeoGenomics. I asked for written proof that I owed said money and XXXX informed me that they did NOT have to send me anything, and they will not tell me my account number with their company. They have called consistently XXXX to 6 days in a row ( skipping XXXX day in between so that they aren't breaking a law ) at all hours and it is rarely an English speaking person though I have requested someone I can understand due to my hearing loss. XXXX calls during my working hours, after hours even after XXXX p.m. waking my sleeping family. XXXX informed me that if I want the calls to stop and for them to not collect interest of {$25.00} a week, I need to pay them the money in XXXX full payment ( this is a threatening tactic and I believe the interest rate per week is/or should be illegal ), yet still refuse to send me written proof that I owe anything. XXXX has not returned my calls since this started. During the government and FTC shutdown, the harassing calls got worse. I stopped answering the calls and now they are calling from multiple numbers. It is my understanding that any debt collector must mail written proof of debt, therefore I am not paying anyone until I get that proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I have no connection whatsoever to these accounts and ask for their removal within XXXX days as the FCRA requires.

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I'm submitting this complaint regarding Capital One 's handling of two of my credit cards accounts, both of which were closed without reasonable consideration after an isolated payment error. On XX/XX/year>, a payment I made was on both accounts was inadvertently submitted from the wrong checking account, resulting in a returned payment. As soon as I recognized the mistake, I immediately corrected it by remaking the payments the same day using the correct checking account. Both accounts were otherwise in good standing, with consistent payment history and no prior issues. 

Despite my prompt action to resolve the error, Capital One closed both credit card accounts without giving me an opportunity to explain or remedy the situation. I was not provided with sufficient justification for the closures, nor was I given advance notice that such an action would be taken. 

I spoke with XXXX in Fraud and Disputes and was then transferred to XXXX, a manager in Fraud Disputes. I was treated like a criminal for making a mistake. XXXX acted like he had submitted information to have my accounts reopened, which I believe was a lie, and said I could apply for new accounts. This is going to impact my credit negatively, and that is unfair due to a mishap. 

I, as a consumer who pays their bills on time with no issues, would like to know what recourse there is to protect myself from credit card issuers like Capital One. I believe their actions are nefarious. 

How many times have consumers been treated in such a way that they could negatively impact your credit rating, and nothing is done about it to protect us as consumers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal 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 2025-11-24 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: TX

Complaint narrative:
I am a documented victim of identity theft. On XX/XX/year>, I contacted TransUnion to place a Fraud Alert. The representative confirmed the alert but required that all identity-theft documentation be submitted only by mail, rather than electronically. I immediately mailed my complete identity theft packet as instructed. 

My packet includes my FTC Identity Theft Report, Police Report, IRS Form XXXX, a detailed list of identity-theft accounts, and all supporting documentation. I attempted multiple times to send documents electronically or by fax, but TransUnion refused and stated that mail was the only option. 

Because of this requirement, TransUnion has delayed attaching my identity theft documents to my file, delayed the opening of the formal identity theft block review, and delayed processing under FCRA 605B. TransUnion has not provided confirmation that my documents will be attached promptly once received, and has not provided any assurance that they will comply with the 4-business-day block requirement.

I am filing this complaint to ensure that TransUnion properly processes my identity theft case as required by law, attaches my mailed documents upon receipt, and blocks all fraudulent information in compliance with FCRA 605B.

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 2025-11-24 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-24 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-24 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: NJ

Complaint narrative:
After reviewing my credit reports, I discovered that two negative accounts are being reported inaccurately and without proper verification from the companies involved. One creditor is reporting several years of late payments and a chargeoff, yet the account history contains long periods of missing information, inconsistent delinquency reporting, and no data entries that make the timeline unreliable. I never received the required billing statements or delinquency notices to support the late-payment sequence or the chargeoff itself. Another creditor is reporting a 30-day late payment, but the surrounding months show inconsistencies and missing records, raising doubts about the accuracy of that delinquency. These companies have not provided complete or verifiable documentation to validate the negative information they are furnishing, and this inaccurate reporting has negatively affected my credit profile.

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 2025-11-24 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: NJ

Complaint narrative:
After reviewing my credit reports, I discovered that two negative accounts are being reported inaccurately and without proper verification from the companies involved. One creditor is reporting several years of late payments and a chargeoff, yet the account history contains long periods of missing information, inconsistent delinquency reporting, and no data entries that make the timeline unreliable. I never received the required billing statements or delinquency notices to support the late-payment sequence or the chargeoff itself. Another creditor is reporting a 30-day late payment, but the surrounding months show inconsistencies and missing records, raising doubts about the accuracy of that delinquency. These companies have not provided complete or verifiable documentation to validate the negative information they are furnishing, and this inaccurate reporting has negatively affected my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
Greetings, I am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse.

Please confirm receipt of this letter and inform me once the disputed information is deleted.

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 2025-11-24 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: TX

Complaint narrative:
Dear Sir/Madam, The following items reported by TransUnion appear to be inaccurate, incomplete, or unverifiable. I am requesting a full investigation into each one. 

Inquiries XXXX  Date : XX/XX/year> Late Payments XXXX XXXX Acct : 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 2025-11-24 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter. 

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-24 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-24 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: PR

Complaint narrative:
I am filing this complaint because Equifax refused to remove several unauthorized hard inquiries on my credit report. These inquiries were made without my permission, without my written authorization, and without a valid permissible purpose under the Fair Credit Reporting Act ( FCRA ).

Equifax sent me a generic response and did not provide : Any signed authorization from me Any proof of a permissible purpose ( 15 U.S.C. 1681b ) Any documentation verifying the inquiries Any evidence that a real investigation was conducted ( 15 U.S.C. 1681i ) Under the FCRA, if Equifax can not verify an inquiry with proper documentation, it must be deleted ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 

I request that the CFPB require Equifax to either provide written proof that I authorized these inquiries or remove them from my credit report immediately. 
1. XXXX XXXX, XXXX XXXX XXXX 2 XXXX XXXX, XXXX XXXX 3. XX/XX/XXXX XXXX XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RNT DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNT DEBT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am writing because there are several mistakes showing on my credit report, and they are affecting me. I need help getting these corrected because I have already tried fixing them, but nothing has changed.

1. Wrong Personal Information The following address is showing, but it is NOT mine : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please remove this wrong address.

2. Wrong Late Payments The accounts below are showing late payments, but I have never been late with them : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) These need to be corrected to show on-time payment history.

3. Charge-Off and Collection Accounts I Dont Recognize These accounts are showing, but I do not know them and never agreed to them. I am requesting they be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have any paperwork or agreement for these accounts, so they should not be reporting.

4. Unauthorized Inquiries The following hard inquiries are showing, but I did not apply for credit with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these inquiries from my credit report.

What I Am Requesting I am asking for the following : Remove the wrong address Fix the late payments showing incorrectly Delete the accounts I dont recognize Remove the unauthorized inquiries I just want my credit report to be accurate and reflect the correct information.

Thank you for your help. Please update me once the corrections are completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CO

Complaint narrative:
They are accounts on my report that should have been included in my bankruptcy discharge over a year ago.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I checked my Transunion report and seen unauthorized inquiries. It's hurting my ability to obtain credit. I'm requesting for someone to remove them. I've listed them all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/year>

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