vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
While on the way to the XXXX XXXX airport to return our rental car, we stopped at a gas station to refill the tank as required. A gas station attendant asked how much fuel we wanted ; the cardholder requested a full tank and handed over the credit card for payment. The attendant processed the transaction manually, took the card, and inserted the card into a chip reader from what I believe, then returned the card along with a receipt of the charge in the amount of {$18.00}. Please note the attendant wasnt in eye view when processing the charge. No further purchases were made with the card, as we headed straight to the airport for our flight. 

While returning home, we noticed a charge that immediately appeared to us as fraudulent. We promptly initiated a dispute, which was unfortunately overturned by Barclays twice. 

After the card was closed, multiple attempted charges appeared, which indicate efforts to test the cards activity and usability. These attempts were acknowledged by the Barclays fraud representative I spoke with when reopening the dispute, though they are no longer visible on my transaction screen. 

I did not authorize the charge of {$520.00} from XXXX XXXX XXXX XXXX XXXX and XXXX presence does not equal my authorization. Barclays did not provide evidence that proves otherwise other than saying my chip was present. 

Please let me know if any further information or documentation is required. I appreciate your help in resolving this matter promptly and fairly. 

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2025, I was notified that a new credit inquiry was performed for capital one without my authorization. I have not applied to any new credit lines this month and find it to be fraud. I also received an alert that my social security is compromised and may be in the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian Failure to Investigate or Remove Inaccurate Credit Reporting To Whom It May Concern, I am filing this formal complaint against Experian for their failure to comply with the obligations imposed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Despite multiple attempts to dispute inaccurate information appearing on my Experian credit report, the agency has either : Failed to provide documentation or proper validation of the disputed accounts, or Failed to remove or correct clearly inaccurate or unverifiable items within the required XXXX period. 

Under FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. If the information can not be verified, it must be removed. Experians refusal to remove unverifiable information and failure to provide proof constitutes a direct violation of this requirement. 

Additionally, their actions contradict the CFPBs own enforcement guidance that requires credit bureaus to ensure the accuracy and integrity of consumer credit data and to respond adequately to disputes in a timely and thorough manner. 

These actionsor lack thereofhave caused undue harm to my financial standing, including denials of credit and increased interest rates, and have violated my rights as outlined by federal law. 

I request the CFPB investigate Experian for these violations and ensure that they are held accountable for their non-compliance. I am requesting that the inaccurate, unverifiable accounts be permanently removed and that my file be corrected. 

Attached are copies of my dispute letters, relevant credit report excerpts, and any responses or lack thereof from Experian. 

Thank you for your time and attention to this matter. I trust the CFPB will intervene appropriately to ensure Experian upholds their legal obligations. 

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-05-15 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: PA

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 word 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 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 2025-05-15 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: GA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-05-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
XXXX XXXX : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureau Management I would like to appeal a credit report that was sent because of one missed payment. I have a perfect record of paying my loans on time.

A little background. Since I started paying for my student loan, I was never informed that my student loan was switched from a XXXX XXXX to a private loan. Because of this, when the government put in the student loan freeze at the beginning of the pandemic, I was unaware that my loans was not eligible for this freeze. I never received any sort of email or correspondence about this. Please see all emails from XXXX sent to me. 

Furthermore, when I reached out to XXXX about putting my loans on forbearance, they were able to do that. But for those months for some reason, they did not. 
I asked that you remove the mistaken credit report that was sent as it has costed me over XXXX XXXX points on my credit score. This has severely impacted my interests on several fronts. I have reached out to the XXXX credit reporting agencies, and no one has gotten back to me. I reached out to XXXX who told me that the only way this mistake can be reversed is to reach out to you. 
Also, my student loan has been moved to 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 2025-05-15 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
1. Selling Discharged Debts After Bankruptcy Creditors can technically sell accounts that have been discharged in bankruptcy, but : They can not sell them as collectible debts.

The debt no longer legally exists, and attempting to collect on it is likely a violation of the Bankruptcy XXXX XXXX under 11 U.S. Code 524.

If a discharged debt is sold : It must be clearly marked as discharged.

The buyer can not attempt to collect the debt. Doing so could be : A violation of the Bankruptcy Code. 

A FDCPA violation ( if the buyer is a debt collector ). 

Grounds for a lawsuit or sanctions in bankruptcy court. 

XXXX. FCRA Rules on Reporting After Bankruptcy Under the FCRA ( 15 U.S. Code 1681c ) : Discharged debts can remain on your credit report for up to 7 years from the date of delinquency. 

A XXXX  XXXX bankruptcy can stay on your report for 10 years from the filing date. 

Creditors must update the debt status to reflect that the debt was " included in bankruptcy '' or " discharged in bankruptcy. '' Reporting a discharged debt as active, past due, or in collections is a FCRA violation.

3. What If a Collector Tries to Collect a Discharged Debt?

This is illegal. You may take the following actions : Send a cease and desist letter. 

File a complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) Your state attorney general Consult a bankruptcy attorney to reopen the case or file a motion for contempt.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
1. Selling Discharged Debts After Bankruptcy Creditors can technically sell accounts that have been discharged in bankruptcy, but : They can not sell them as collectible debts.

The debt no longer legally exists, and attempting to collect on it is likely a violation of the Bankruptcy Discharge Injunction under 11 U.S. Code 524.

If a discharged debt is sold : It must be clearly marked as discharged.

The buyer can not attempt to collect the debt. Doing so could be : A violation of the Bankruptcy Code.

A FDCPA violation ( if the buyer is a debt collector ).

Grounds for a lawsuit or sanctions in bankruptcy court.

2. FCRA Rules on Reporting After Bankruptcy Under the FCRA ( 15 U.S. Code 1681c ) : Discharged debts can remain on your credit report for up to 7 years from the date of delinquency. 

A XXXX  XXXX bankruptcy can stay on your report for 10 years from the filing date. 

Creditors must update the debt status to reflect that the debt was " included in bankruptcy '' or " discharged in bankruptcy. '' Reporting a discharged debt as active, past due, or in collections is a FCRA violation.

3. What If a Collector Tries to Collect a Discharged Debt?

This is illegal. You may take the following actions : Send a cease and desist letter.

File a complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) Your state attorney general Consult a bankruptcy attorney to reopen the case or file a motion for contempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
1. Selling Discharged Debts After Bankruptcy Creditors can technically sell accounts that have been discharged in bankruptcy, but : They can not sell them as collectible debts.

The debt no longer legally exists, and attempting to collect on it is likely a violation of the Bankruptcy Discharge Injunction under 11 U.S. Code 524.

If a discharged debt is sold : It must be clearly marked as discharged.

The buyer can not attempt to collect the debt. Doing so could be : A violation of the Bankruptcy Code.

A FDCPA violation ( if the buyer is a debt collector ).

Grounds for a lawsuit or sanctions in bankruptcy court.

2. FCRA Rules on Reporting After Bankruptcy Under the FCRA ( 15 U.S. Code 1681c ) : Discharged debts can remain on your credit report for up to 7 years from the date of delinquency. 

A XXXX  XXXX bankruptcy can stay on your report for 10 years from the filing date. 

Creditors must update the debt status to reflect that the debt was " included in bankruptcy '' or " discharged in bankruptcy. '' Reporting a discharged debt as active, past due, or in collections is a FCRA violation.

3. What If a Collector Tries to Collect a Discharged Debt?

This is illegal. You may take the following actions : Send a cease and desist letter.

File a complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) Your state attorney general Consult a bankruptcy attorney to reopen the case or file a motion for contempt.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Im with synchrony bank never had a late payment or anything back in XXXX they told me that my promotional rate ended so they took my bill up about XXXX XXXXXX/XX/XXXX added on it because they said they I over extended my promotion so I was good with that. They also told me if I paid the balance of XXXXXX/XX/XXXX I wouldnt have anymore interest added the bill went up to XXXX XXXX XX/XX/XXXXin XXXX I paid the bill all the way down to a balance of XXXX XX/XX/XXXX. When I did that they lowered my credit limit down to the amount I owed with resulted in my credit being reduced. So I continued to pay them even though they did that. I fulfilled my end of what they told me to do. So today I look in the mail and they have done the same thing for my XXXX XXXX added more interest XXXX not understanding how they are able to do that when they already added interest XXXX months ago.which yet again took my bill back up to XXXX with them charging me an over the limit fee I think this is predatory lending and I want them investigated

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 monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I order a bike from a third party company through XXXX order was supposed to be canceled but then shipped when shipped I filed dispute package was delivered and wasn't a XXXX was a small envelope and the tracking on package XXXX XXXX I took that envelope to local branch received credit and was told that envelope would close case a couple weeks later they reversed my credit and told me to handle my problems with the company that's not cooperating and when a merchant doesn't cooperate you contact your bank and which I did and provided proof that I didn't receive my bike

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/year> Huntington Bank blocked both my debit card and credit card when I tried to pay my cell phone bill ; after they blocked the reoccurring transaction on the debit card. They said it was fraud but it was a reoccurring transaction. I had to use another credit card because of the block. An hour after they sent me text and emails that they blocked my cards. I got the run around for over an hour being transferred to different departments to try to clear this up

Company response to consumer: Closed with explanation