vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with BARCLAYS BANK or any of the affiliates. I have confirmed and advised BARCLAYS BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how BARCLAYS BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that BARCLAYS BANK has the right to investigate and obtain all necessary information prior to approving any credits, BARCLAYS BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, BARCLAYS BANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that BARCLAYS BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to BARCLAYS BANK 's online advertisement, BARCLAYS BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from BARCLAYS BANK stating that my information was used or attempted to be used in order to open an account. Thus, BARCLAYS BANK has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, BARCLAYS BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for XXXX to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-03 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: DISCOVER BANK
State: GA

Complaint narrative:
I am disputing inaccurate reporting of a Discover Card account on my TransUnion credit report. The account is reported as a charge-off with a balance of {$14000.00}, yet the reported credit limit is {$12000.00}, which is inconsistent and inaccurate. Additionally, the account shows a closure date of XX/XX/XXXX while also reflecting a last payment date of XX/XX/XXXX, which is contradictory and suggests incorrect data reporting. 

I previously filed a dispute with TransUnion, but the result still displays these inaccuracies. Under FCRA 1681i, consumer reporting agencies are required to conduct a reasonable investigation when a dispute is filed. The reporting of an account balance exceeding its credit limit and conflicting dates indicates the information is not being accurately maintained. Furthermore, under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( in this case, Discover ) may not report information they know or reasonably should know is inaccurate. 

I am requesting that the CFPB require TransUnion and Discover to investigate thoroughly and either correct all inaccuracies or remove this charge-off entry from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

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 2025-08-03 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: GA

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. 

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 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 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 2025-08-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I used my AMEX reward points to redeem for {$100.00} AMEX XXXX XXXX card for XXXX points. I received an email instantly saying it was active and ready to use. I input the card number and CVV into XXXX wallet for gift card and when I went to use in XXXX XXXX XXXX XXXX, didnt work. I tried using XXXX wallet and there was not an option to select AMEX gift card. I have a XXXX XXXX phone so couldn't use XXXX XXXX. I then tried to use again in XXXX and did not work. I called rewards gift card customer svc to find out how I can successfully purchase but all they could is tell me to enter the card number manually. Stores dont give me this manual option. So I tried using on XXXX online and still didnt work. AmEx refused to send me a physical card after I chose e-gift card. I just want to be able to use this {$100.00} that I earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX Gift card was purchased on XX/XX/year> by my boss XXXX XXXX in the amount of {$800.00}. It was mailed out to me XXXX XXXX, one of his employees as reward for a job well done. On XX/XX/year> I've been trying to use this card online with XXXX and it declines even though it has enough funds on the card. I tried to add it to my XXXX XXXX, and XXXX XXXX, so I can use the funds that way and it says there is an issue with the bank when trying to add the card or that the zip code is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To : Midland Credit Management , Inc . 
P.O. XXXX XXXX XXXX, MI XXXX Subject : Formal Cease and Desist Demand Unverified Account Reporting in Violation of FCRA & FDCPA To Whom It May Concern, This letter serves as a formal dispute and cease and desist demand regarding your continued reporting of an alleged debt on my credit file. You are currently furnishing information to Equifax, Experian, and TransUnion without providing valid and lawful debt validation.

Despite previous disputes, Midland Credit Management has failed to provide : A legible, original contract or agreement bearing my wet ink signature A complete and accurate itemization of the alleged debt Proof of your legal authority or assignment to collect on this debt As required by law, you must immediately cease all collection and reporting activity until these requests are satisfied.

Violations Committed : 15 U.S. Code 1692g ( b ) ( FDCPA ) : You are required to cease collection efforts after receiving a dispute until the debt has been fully validated.

15 U.S. Code 1681s-2 ( b ) ( FCRA ) : Furnishers must properly investigate disputed information and correct or delete unverifiable data.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ( FCRA ) : Failure to validate results in mandatory deletion of the account from the consumers credit report.

15 U.S. Code 1692e ( 8 ) ( FDCPA ) : It is a violation to report information to a credit bureau without indicating the debt is disputed.

15 U.S. Code 1681n & 1681o ( FCRA ) : You are subject to civil liability for willful and negligent noncompliance with federal credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I was sent {$150.00} the note that is required says XXXX XXXX it was for XXXX the store for a customer named XXXX and I guess they thought I was committing a crime I have called a dozen times and responded to their emails with the explanation and they absolutely refuse to help me so now they are with holding the {$150.00} i lost my job because of this and before I knew my account was frozen my sister sent me {$60.00} so now my money is froze and im not getting any help from cashapp and need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
My robinhood acct has been closed since XXXX  I have about {$4200.00} in the account and I can not withdraw I do see the money but robhas deactivated my account. I want robinhood to send me the money being withheld

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
This is a DEMAND TO COMPLY under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), 1681e, and 1681s-2. The following accounts were fraudulently reported as a result of identity theft and must be BLOCKED from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX Additionally, I demand that the following accounts be corrected to reflect 'Pays as Agreed/ Never Late ' : XXXX XXXX Acct : XXXX Should show 'Paid as Agreed/ Never Late ' Pursuant to the Fair Credit Reporting Act and related federal laws, the following statutory damages apply for each violation : FCRA 1681e {$1000.00} FCRA 1681b ( e ) ( 6 ) {$1000.00} FCRA 1681i ( 5 ) ( A ) {$1000.00} FDCPA 1692e {$1000.00} Total Damages : {$4000.00}

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 2025-08-03 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: IL

Complaint narrative:
I have filed a complaint on XX/XX/XXXX XXXX to Transunion to correct information on my report that is incorrect. Balances, payment history, and also open and closed status. They have failed to correct the information in 30 days and I did not investigate the information. I also have addresses and wrong employment information that is listed on my report that has not been corrected.

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 2025-08-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I used Navy Federal Credit Union for the loan to buy my car. Initially the agreement was for {$300.00} a month to pay off the loan. After buying the car NFCU received the title of the vehicle from the dealership but supposedly had trouble connecting the title to the loan. Because of this they labeled it as a missing title and doubled the payments to {$600.00} a month. After sorting the issue out they sent me a new contract demanding the {$600.00} a month be the new permanent payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: TX

Complaint narrative:
Wise closed my business account without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am writing to formally request the removal ( blocking ) of certain information from my credit file in accordance with 15 U.S.C. 1681c-2, which states that a consumer reporting agency must block the reporting of any information that can not be verified after a consumer notifies the agency. 

The following items on my credit report are being disputed and must be blocked unless verified with proper documentation : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX  Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX + Banks XXXX XXXX XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX  XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance XXXX XXXX Than Personal Finance Companies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX  Inquiry : XX/XX/XXXX + Banks XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal TXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX/XXXX  Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX XXXX XXXXnquiry : 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  I have previously disputed this information, and no verification has been provided within the timeframe required by the Fair Credit Reporting Act. Since the information remains unverified, it must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am writing to formally request the removal ( blocking ) of certain information from my credit file in accordance with 15 U.S.C. 1681c-2, which states that a consumer reporting agency must block the reporting of any information that can not be verified after a consumer notifies the agency. 

The following items on my credit report are being disputed and must be blocked unless verified with proper documentation : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX  Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX + Banks XXXX XXXX XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX  XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance XXXX XXXX Than Personal Finance Companies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX  Inquiry : XX/XX/XXXX + Banks XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal TXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX/XXXX  Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX XXXX XXXXnquiry : 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  I have previously disputed this information, and no verification has been provided within the timeframe required by the Fair Credit Reporting Act. Since the information remains unverified, it must be removed from my credit file.

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