vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: WA

Complaint narrative:
Dear CFPB team, In late XX/XX/XXXX, I mistakenly selected a {$20000.00} balance transfer option while opening a new Hawaiian Airlines credit card with Barclays. I attempted to cancel the transfer, but was informed that it had already been processed by XXXX and forwarded to Barclays. As such, I completed a full repayment of {$20000.00} to Barclays on XX/XX/XXXX, effectively closing the matter on my end. 

However, I recently reviewed my XX/XX/XXXX XXXX credit card statement and discovered a reversal of the {$20000.00} balance transfer. Upon contacting XXXX customer service, I was informed that this reversal was requested by Barclays. 

Given that I already paid the full {$20000.00} amount to Barclays on XX/XX/XXXX, this reversal appears to be a duplicate charge resulting from a potential system error between XXXX and Barclays. I am requesting immediate investigation and correction of this matter. 

For your reference, I previously submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this issue on XX/XX/XXXX. The complaint number is XXXX. 

Please review this matter urgently and confirm that appropriate corrective actions will be taken to prevent any financial harm or credit impact. 

Sincerely, 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have tried to get the negative remarks and late payments off this account it's in collections, but I try and get these removed and i get the run around, as I'm in need of a vehicle to get around to see my kids this account is a hindrance to me and my family. 

XXXX  XXXX XXXX  opened XX/XX/XXXX closed XX/XX/XXXX {$17000.00} they can furnish me with how they verified this and there's no account number either.

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 2025-07-01 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 want to make it absolutely clear that this complaint is valid and not submitted in error. My credit report contains inaccurate information that does not meet the legally mandated standard of maximum possible accuracy. These reporting errors are having a serious and ongoing negative impact on my financial stability and overall well-being. 
This situation is placing an undue burden on me during an already challenging time, and I am requesting your immediate attention to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
nder the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given that my personal data was compromised due to a security breach, these accounts are invalid, and any continued reporting constitutes a willful violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, any attempt to collect on a fraudulent debt is illegal. If you fail to remove these accounts immediately, I will pursue legal action for damages, including but not limited to : Violation of FCRA Reporting inaccurate information knowingly.

Violation of FDCPA Attempting to collect a fraudulent debt. 
Defamation & Emotional Distress Damaging my financial reputation. 
Negligence Failure to verify the legitimacy of the debt before reporting. 
I demand the following actions within 30 days : IMMEDIATE REMOVAL of the fraudulent collection/charge-off accounts from all credit bureaus. 
WRITTEN CONFIRMATION that these accounts have been deleted. 
CEASE ALL COLLECTION ATTEMPTS related to these fraudulent debts. 
Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will explore civil litigation for damages caused by your reckless disregard for federal law. 
This letter serves as official notice under federal law. I expect a written response confirming the removal of these fraudulent accounts within 30 days. 



Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
Upon review of my credit report, I discovered a hard inquiry that I did not authorize. I never provided written or electronic consent for this entity to pull my credit. I request that you provide signed documentation authorizing this inquiry.

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 2025-07-01 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: NY

Complaint narrative:
I am writing to request a correction of the following information that appears on my TRANSUNION consumer report : Acct number XXXX {$84000.00} XXXX {$83000.00} XXXX {$72000.00} Name : / XXXX DEP OF ED TRANSUNION is currently reporting a 30-day delinquency on my credit report, which is reporting in error because I had a payment scheduled for XX/XX/year> in the amount of {$17000.00} withdrawn from my bank account. The company that currently reports my student loan XXXX XXXXDEP OF ED ) Has never written and or verbally stated and or reported to TRANSUNION that the student loans in question wore delinquent in XX/XX/year>. Therefore this 30-day late is reporting in error and needs to be fixed immediately or legal action will be taken. Included is proof of payment and confirmation from the original creditor agreeing to the terms and conditions of payment rendered.

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 2025-07-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681 b & I need them blocked & deleted from my report as soon as possible.

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 2025-07-01 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: CA

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-07-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, causing direct harm to my credit score and financial standing. I previously contacted your agency and was assured these entries would be removed, yet they remain. 
This inaction is unacceptable. The ongoing presence of these potentially fraudulent inquiries raises serious concerns, including possible identity theft, and continues to cause emotional and financial harm.

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 2025-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Tx XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute an eviction record and/or rental debt that is being reported inaccurately on my credit profile. This eviction case was dismissed in court and is therefore no longer owed. 

Case Details : Court Name : Justice of the Peace Precinct XXXX, XXXX XXXX XXXX Case Number : XXXX The court ruled in my favor and dismissed the case, meaning there was no judgment against me and no outstanding rental balance. However, this account continues to appear in my records as if I still owe the debt or was evicted, which is inaccurate and harmful to my credit and housing opportunities. 

Please investigate this matter and confirm removal or correction of this record with the relevant credit bureaus or reporting agencies. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
They sent me proof of the debt XXXX XXXX  ago. They have been removed from my credit report since. I called them to arrange a settlement amount and asked for the settlement agreement and proof that they still have rights to collect this debt but they refused to give me anything in writing or show proof of owning this debt stating they did a year ago. And wouldn't allow me to settle if I did not pay immediately.

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 2025-07-01 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: MD

Complaint narrative:
Dear Experian Disputes Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple hard inquiries that appear on my credit file. I am requesting the immediate investigation and removal of the following inquiries which I did not authorize, or which you are legally obligated to verify with documented permissible purpose : Disputed Hard Inquiries Experian Creditor Name Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis for Dispute Under the Fair Credit Reporting Act : 15 U.S.C. 1681b ( c ) : A credit bureau must ensure that a hard inquiry only appears if there was a permissible purpose and written authorization.

15 U.S.C. 1681e ( a ) : Consumer reporting agencies are required to maintain reasonable procedures to prevent the disclosure of information to unauthorized parties.

15 U.S.C. 1681i : If an inquiry is inaccurate, outdated, incomplete, or unverifiable, it must be deleted within 30 days of a formal dispute. 

I am asserting that the above-listed inquiries are either unauthorized, unverifiable, duplicated, or without a proper permissible purpose under FCRA. If you can not provide the documented proof of my explicit authorization or a legally valid reason for each of these inquiries, they must be immediately removed from my credit report.

Demand for Action I formally demand that : You initiate a reinvestigation of all inquiries listed above.

You delete any inquiry that can not be fully verified by the furnisher with signed authorization or clear documentation.

You provide a full written response within the 30-day period, as required by 15 U.S.C. 1681i ( a ). 

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I also reserve the right to pursue legal action under 15 U.S.C. 1681n & 1681o for negligent or willful noncompliance with federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Email ( optional ) 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 2025-07-01 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: NY

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCOUNT. PLEASE INVESTIGATE AND ROMVE THIS ACCOUNT FROM MY CREDIT REPORT AS IT HURT MY ABILITY TO OBTAIN CREDIT.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
This complaint follows two previous CFPB submissions ( Case # XXXX and # XXXX ) regarding my accounts at SoFi Bank. Despite SoFi Bank 's prior responses, several critical issues remain unaddressed : ( 1 ) While SoFi Bank retains the right to close accounts for any reason, their responses have persistently failed to acknowledge that I had fulfilled all requirements for their advertised {$300.00} promotional bonus. Specifically, I successfully received qualifying direct deposits totaling over {$5000.00} on XXXX XXXX XXXX, thus meeting the criteria detailed in their promotional terms. Yet, SoFi Bank has repeatedly ignored addressing my entitlement to this bonus. 
( 2 ) SoFi Bank stated that the deposits ( {$5400.00} and {$350.00} ) received on XX/XX/scrub>XXXX XXXX XXXX, were returned to the originator. However, they have never provided explicit or actionable instructions for the original depositor to recover these funds. 
( 3 ) In their responses, SoFi indicated that a supervisor from their Member Security Team had reached out, leaving a voicemail instructing me to return their call for further assistance. However, when I followed those instructions, I repeatedly encountered customer service representatives who were unable or unwilling to connect me with the supervisor or any member capable of addressing my concerns. This effectively prevented any meaningful dialogue or resolution. 
The lack of adequate responses on these points indicates a persistent failure to address the central issues raised, leaving me without proper closure or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 writing to formally dispute the presence of accounts on my credit report that I did not authorize, open, or manage. These accounts have been reported under my name without my knowledge or consent. This is completely unacceptable and constitutes a serious breach, as it presents inaccurate and misleading information regarding my financial history. 
I take the integrity of my credit profile very seriously. The appearance of these unauthorized accounts is deeply concerning, and I require immediate clarification as to how they were added and who is responsible for reporting them.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Initiated charge back process with TD bank, first employee provided inaccurate information on my options ( XX/XX/year> ) TD bank representative failed to confirm if additional information was required.

Provisional credits were provided and then revoked.

I called TD bank to request all information available for the investigation. And to appeal the decision. 

The next XXXX TD employees miss represented the facts and processed my charge back as fraud, I never inclined fraud was the issue. 

Ultimately TD bank completely handled this situation poorly. I was disputing over {$35000.00} worth of transactions. I was rushed, staff members from TD were irritated and the entire process was processed wrongly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

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 pdf 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-01 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 writing to challenge the accuracy of a collection account currently appearing on my credit report. I have no record of this debt, nor have I ever received any communication or invoice regarding it.

Company response to consumer: Closed with explanation