vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted Barclays Bank Delaware about executing a transfer from a joint savings account my wife and I own to a joint checking account we own outside of Barclays Bank but established as an external account in XXXX. The purpose of this expedited transfer was to complete a timely bill payment. No additional communication was received from Barclays, and they did not complete the transfer as requested until XX/XX/XXXX, despite their having received supplemental identity verification information - images of a government-issued drivers license - requested to further verify our identity and rightful ownership of the external account. 

At approximately XXXX p.m. XXXX XX/XX/XXXX, I attempted to access the same online savings account at Barclays Bank Delaware using previously with the pre-established UserID and password. I was immediately directed to a message stating, " Your account is currently restricted. Please contact customer care at XXXX Monday to Sunday, XXXX am to XXXX pm ET for assistance. '' As prompted, I contacted customer care and completed the ID verification to speak with a customer service representative about my account. Upon reading the message about my account being restricted to the customer service representative, I was informed the account was restricted due to the transfer of XX/XX/XXXX, and that no one would be available to lift the restriction unless I contacted Barclays Bank again on Monday. I protested that no communication of such a restriction had been delivered to my wife nor I about this issue and that it was highly irregular to be denied access to a savings account without no one available to provide due process. I requested to speak with a supervisor. The customer service representative stated that none were available because it was after business hours. I requested to speak with whomever was responsible for the Barclays Bank customer service availability between " Monday to Sunday, XXXX am to XXXX pm ET '' and was told there was no supervisor. 

At the very least, I believe these experiences violate the terms of my service agreement with Barclays Bank Delaware. I expect the restriction on our account to be immediately lifted so that the account information and funds I am entitled to without such barriers.

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 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Transunion File Number : XXXX XXXX XXXX XXXX XXXX I recently reviewed my account and noticed accounts on my credit report that doesnt belong to me and need to be immediately deleted. I also was notified that my personal information was exposed in the XXXX data breach. In short i have become a victim of identity theft, and is writing this letter for help to delete the stated accounts included in the FTC Report.

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 2025-03-30 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: PA

Complaint narrative:
I have contacted Experian, Transunion and Equifax numerous times to get my credit report fixed because of erroneous information on my credit report. All of the bureaus do not investigate anything that I have asked for such as validation that debts being claimed to be mine are exactly mine. I have or had fraud alerts with all of the Bureaus. I have sent in my State Identification, Social Security Number and current address along with detailed information that does not belong to me and/or have not been validated by self. Numerous PDFs sent, spent hundreds of dollars to mail letters to all three bureaus, debt collectors and credit card companies. The bureaus upon receipt of my documentation respond that they do not believe I am requesting the investigations even though I have sent along the identification I mentioned above and yet they respond that my report is accurate per the debt collectors and alleged credit card banks. I know for a fact that their findings are not true because I speak with every alleged creditor/collector verbally and in writing and am told that they have not seen or heard from the bureaus at all. The XXXX also have failed to properly help me fight this battle with in regards to my credit report accuracy. I have had to place freezes on my credit reports thinking that this would stop from erroneous reporting. I was misled by Experian, Transunion and Equifax. My name, addresses, accounts and details are either incorrect or do not belong to me. I am a Small Business operator for over 25 years and cherish my report for myself, family and legacy. It is illegal to report anything erroneous on my report under my sensitive social security number, DOB, driver 's license, etc. But yet the Bureaus, credit card banks and debt XXXX XXXX my character, dignity and freedom every chance they get. I need an act of XXXX or this Commission to assist me in correcting these demoralizing actions. My dispute records show that I am in dispute as much as everyone involved allows. There should not be a limit on how many disputes I can do in a month. They attack my report almost weekly if not daily with negative erroneous reporting. I have to monitor my reports almost every other day only to find yet another discrepancy has been added or updated incorrectly. They charge me monthly fees to get a updated report albeit wrong every month. Making money at my expense to report errors but do not allow me to fix these errors if at all for months at a time. I humbly ask for help as I do not know what else to do. Thank you in advance for your investigation on my behalf.

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 2025-03-30 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: PA

Complaint narrative:
I have contacted Experian, Transunion and Equifax numerous times to get my credit report fixed because of erroneous information on my credit report. All of the bureaus do not investigate anything that I have asked for such as validation that debts being claimed to be mine are exactly mine. I have or had fraud alerts with all of the Bureaus. I have sent in my State Identification, Social Security Number and current address along with detailed information that does not belong to me and/or have not been validated by self. Numerous PDFs sent, spent hundreds of dollars to mail letters to all three bureaus, debt collectors and credit card companies. The bureaus upon receipt of my documentation respond that they do not believe I am requesting the investigations even though I have sent along the identification I mentioned above and yet they respond that my report is accurate per the debt collectors and alleged credit card banks. I know for a fact that their findings are not true because I speak with every alleged creditor/collector verbally and in writing and am told that they have not seen or heard from the bureaus at all. The XXXX also have failed to properly help me fight this battle with in regards to my credit report accuracy. I have had to place freezes on my credit reports thinking that this would stop from erroneous reporting. I was misled by Experian, Transunion and Equifax. My name, addresses, accounts and details are either incorrect or do not belong to me. I am a Small Business operator for over 25 years and cherish my report for myself, family and legacy. It is illegal to report anything erroneous on my report under my sensitive social security number, DOB, driver 's license, etc. But yet the Bureaus, credit card banks and debt XXXX XXXX my character, dignity and freedom every chance they get. I need an act of XXXX or this Commission to assist me in correcting these demoralizing actions. My dispute records show that I am in dispute as much as everyone involved allows. There should not be a limit on how many disputes I can do in a month. They attack my report almost weekly if not daily with negative erroneous reporting. I have to monitor my reports almost every other day only to find yet another discrepancy has been added or updated incorrectly. They charge me monthly fees to get a updated report albeit wrong every month. Making money at my expense to report errors but do not allow me to fix these errors if at all for months at a time. I humbly ask for help as I do not know what else to do. Thank you in advance for your investigation on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$99.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-30 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 have several inaccurate information on my reports and I have asked Experian, TransUnion and Equifax to do a proper verification.

I have attached the list of errors and inaccuracies that are listed on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several inaccurate information on my reports and I have asked Experian, TransUnion and Equifax to do a proper verification.

I have attached the list of errors and inaccuracies that are listed on my reports.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I tried to make a purchase on XX/XX/29 for the amount of XXXX XXXX dollar on my Citi XXXX XXXX credit card. XXXX was declined and Citi app instructed me to call their fraud department. 

Called fraud department twice, they requested to send me a one-time code via text to verify my identity before they can act on my account. Both times + transferred to supervisor said their system could not send me any text, and that I will have to wait for a physical mail that will come in about XXXX business days I then did a quick online search and found many others over MANY YEARS have experienced the same issue where Citis text system just simply doesnt work. How does such a company survive this long without ever fixing this simple text system?

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 2025-03-30 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
Over the course of the past XXXX years, I have been trying to remove the negative remarks on my credit report. From submitting police documentation that proves I did not open up the accounts that is on my credit. Experian has failed and denied to follow up on investigation and I was recently informed that the CFPB has launched an investigation and I believe I am affected, fair to notify customer disputes results as well as investigating the actual dispute. This aligns with my situation as Experian has not attempted to remove the negative remarks on my I am requesting that the derogatory remarks be removed from my account as they all date back over XXXX years or more. These negative remarks are impeding my ability to be able to rent a home as well as receive credit loans for a car and personal needs.Experian has violated federal law, as well as my consumer rights.

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 2025-03-30 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: IL

Complaint narrative:
From XXXX to XXXX I have received several unauthorized inquiries on my credit report. I've sent affidavit and called the credit bureaus and yet this continues to happen. Every time I unlock my credit to conduct my own business, I see inquiries i did not authorize. I am a fraud victim starting in XXXX. I have work very hard to correct my reports and continue doing so as if it's a full-time job. 

Inquiries are listed on my report from : XXXX XXXX XXXX XXXX XXXX Main XXXX XXXX XXXX XXXX XXXX Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Date : XX/XX/year> Amount : {$2100.00} I dispute this false transaction and it came back within days. These is a debt buyer and the information is incorrect. This was not investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Immediate Deletion of Incorrect Addresses from My Credit Report Dear Credit Bureau I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to ensure that all information in a credit report is accurate, complete, and verifiable. The continued reporting of incorrect addresses on my credit file is a violation of this law and constitutes a breach of your legal obligations. 

The following addresses on my credit report are incorrect and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses do not belong to me and should not be associated with my credit report. My correct and current address is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Please remove these incorrect addresses immediately and provide written confirmation of the deletions. If these inaccuracies are not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies. 

I have enclosed a copy of my government-issued identification and a recent utility bill as proof of my correct address. I request that this matter be resolved as soon as possible, in compliance with the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and provide me with an updated copy of my credit report reflecting the necessary corrections. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued identification Proof of address ( e.g., utility bill )

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request for Immediate Deletion of Incorrect Addresses from My Credit Report Dear Credit Bureau I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to ensure that all information in a credit report is accurate, complete, and verifiable. The continued reporting of incorrect addresses on my credit file is a violation of this law and constitutes a breach of your legal obligations. 

The following addresses on my credit report are incorrect and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses do not belong to me and should not be associated with my credit report. My correct and current address is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Please remove these incorrect addresses immediately and provide written confirmation of the deletions. If these inaccuracies are not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies. 

I have enclosed a copy of my government-issued identification and a recent utility bill as proof of my correct address. I request that this matter be resolved as soon as possible, in compliance with the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and provide me with an updated copy of my credit report reflecting the necessary corrections. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued identification Proof of address ( e.g., utility bill )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
These accounts are fraudulent please remove them from my credit report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
These accounts are fraudulent please remove them from my credit report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$6900.00}

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 non-monetary relief