vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX and XXXX XXXX paid their bill in full on XX/XX/XXXX. It was a Barclays XXXX Credit card that only had XXXX monthly XXXX set up. Barclays drew the correct bill-pay on the XXXX and they received {$2000.00} but it went into XXXX of our closed RCI credit card accounts from 10 years ago. So Barclays decided to draw on our account XXXX more times but failed due to insufficient funds. With the help of our XXXX XXXX XXXX XXXX and their XXXX XXXX. XXXX, we gave them the routing, electronic and file trace numbers and account numbers, dates and amounts. They still bounced our next payment on XX/XX/XXXX by dropping our credit limit the day before the draw, then reported us to the credit reporting agencies which dropped our credit scores up to XXXX points, and then the next day told us they were going to post our deposit that we showed them on XX/XX/XXXX which was 19 days earlier. The posting occurred on XXXX XXXX  XXXX  days later. XXXX and XXXX XXXX have never ever been delinquent on an account, and our credit scores range between XXXX and XXXX and have for more than XXXX  years. Needless to say, we were not delinquent on this account either, but Barclays machine sure drug us through the mud. 


Read all the details in the attachments.

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 2025-07-30 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 explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent XXXX XXXX OF XXXX # XXXX, XXXX Account XXXX  XXXX # XXXX XXXX Account XXXX  XXXX # XXXX XXXX XXXX  # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
I submitted a timely Validation of Debt request to CREDIT SYSTEMS INT INC regarding Account Number : XXXX XXXX XXXX XXXX XXXX for the alleged balance of {$300.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. 
Despite this request, CREDIT SYSTEMS INT INC failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. 
By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
Subject : Formal Dispute of Unauthorized Hard Inquiries Request for Reinvestigation Under 15 USC 1681i Social Security Number : XXXX Date of Birth : XX/XX/XXXX Credit Report Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries that are appearing on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am requesting that Experian initiate a reinvestigation into each of these inquiries and provide written verification from the companies listed below that I authorized these inquiries in writing. 

Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If these companies are unable to produce documented proof of my consent, these inquiries must be immediately removed from my credit file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ), which requires deletion of unverifiable information. 

Additionally, I request a written description of the reinvestigation procedures used, as well as the names and contact information of the parties Experian contacted during the process. 

I appreciate your timely attention to this matter and expect a response within the XXXX time frame required by federal law. 

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB Card credit card with account # XXXX opened XX/XX/year> and a balance of {$0.00}. i previously disputed this account. I don t agree with the results of your investigation. Please mail me the proof of investigan and proof the negative payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Re : Last XXXX XXXX XXXX To Whom it May Concern While checking my most recent credit report, I noticed credit inquiries where the companies did not have a permissible purpose per the FCRA. 

Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA Section 604 to obtain a consumer reports.

Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the Permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. Please provide me with this certified information. In the absence of any such documentation, I formally request that these inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act. 

My contact information is as follows : XXXX XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Re : Last XXXX XXXX XXXX To Whom it May Concern While checking my most recent credit report, I noticed credit inquiries where the companies did not have a permissible purpose per the FCRA. 

Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA Section 604 to obtain a consumer reports.

Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the Permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. Please provide me with this certified information. In the absence of any such documentation, I formally request that these inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act. 

My contact information is as follows : XXXX XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. 
If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, TRANSUNION credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within XXXX business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections XXXX XXXX XXXX XXXX  XXXX XXXX 

These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OneMain Finance Corporation
State: MD

Complaint narrative:
XXXX  XXXX did not have permission to report this inquiry on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
I have given them several disputes in writing via certified mail and via email. They do not look into these disputes nor do they take an FTC affidavit as valid. Experian always accepts the original furnishers response to my disputed information, even when that response was not possible ( due to fraud ) or logical. I dont know how Experian has other information and deems their investigations reliable when theyre completed in under XXXX hours! They are Refusing to legally and morally remove my fraudulent accounts, some of which are now collection accounts, knowing through the FTC affidavit and my attorney that these are erroneous. They should be sued and fined for their negligence.

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 2025-07-30 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: DE

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer; or ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following accounts from my credit report immediately : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Balance : {$800.00} Date Opened : XX/XX/XXXX Status : Collection account Past Due : {$800.00} Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} Date Opened : XX/XX/XXXX Status : Open auto loan, {$1000.00} past due as of XX/XX/XXXX Late Payments : XXXX ( XXXX lates across multiple months ) Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX / XXXX Balance : {$6300.00} Date Opened : XX/XX/XXXX Status : Open student loan, {$430.00} past due Last Payment : XX/XX/XXXX Late Payments : XXXX, XXXX, XXXX, XXXX lates Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX Status : Open student loan, {$250.00} past due Last Payment : XX/XX/XXXX Late Payments : 90, 120, 150, 180-day lates Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: DE

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer; or ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following accounts from my credit report immediately : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Balance : {$800.00} Date Opened : XX/XX/XXXX Status : Collection account Past Due : {$800.00} Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} Date Opened : XX/XX/XXXX Status : Open auto loan, {$1000.00} past due as of XX/XX/XXXX Late Payments : XXXX ( XXXX lates across multiple months ) Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX / XXXX Balance : {$6300.00} Date Opened : XX/XX/XXXX Status : Open student loan, {$430.00} past due Last Payment : XX/XX/XXXX Late Payments : XXXX, XXXX, XXXX, XXXX lates Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX Status : Open student loan, {$250.00} past due Last Payment : XX/XX/XXXX Late Payments : 90, 120, 150, 180-day lates Account Number : 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 non-monetary relief