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

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX ( via XXXX XXXX ) Re : Complaint Against Barclays Bank Delaware for Inaccurate Credit Reporting on Account # XXXX Dear CFPB : I am filing a complaint against Barclays Bank Delaware for furnishing inaccurate, incomplete, and misleading information on my account # XXXX, as reported on my XXXX  credit report dated XX/XX/XXXX, and potentially to XXXX  and XXXX. This tradeline was previously removed but reinserted inaccurately. Despite over 40 disputes since XXXX, Barclays has failed to correct these errors, violating the Fair Credit Reporting Act ( FCRA ) and Florida Consumer Collection Practices Act ( FCCPA ). 

Inaccuracies include : - Status " Account charged off. {$1400.00} written off. {$1800.00} past due as of XX/XX/XXXX '' inaccurate, as charge-off precludes ongoing past due post-charge-off. 
- Status updated XX/XX/XXXX, but " co '' updated XXXX XXXXcontradictory re-aging. 
- 180-day late on both XXXX and XXXX XXXXimpossible duplicate. 
- Charge-off reported monthly XXXX XXXX XXXXimproper repetition per XXXX. 
- Improper reinsertion without verification or notice. 

These errors have caused significant harm : a XXXX XXXX  score, multiple credit denials, higher interest rates, $ XXXX in mitigation costs ( e.g., credit monitoring ), and emotional distress ( XXXX, sleep loss ). Barclays failure to investigate or correct these verifiable inaccuracies violates FCRA 611, 623 and FCCPA 559.72. 

I demand Barclays investigate, delete this unverifiable tradeline from all CRAs, and provide documentation ( e.g., statements, ledgers ) to substantiate reporting. I am mailing a detailed dispute to Barclays via certified mail on XX/XX/XXXX. Please ensure Barclays complies promptly to mitigate further harm. 


Attachments ( via portal ) : Drivers license, social security card, proof of address, relevant XXXX  credit report pages.

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 2025-08-08 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Request for Immediate Deletion of Late Payments Re : XXXX XXXX Account # XXXX Dear Credit Reporting Agency, I am writing to formally dispute and request immediate deletion of the late payment history reported on my XXXX  XXXX account ( Account # XXXX ) from my credit file. 
Upon reviewing my recent credit report, I identified serious inaccuracies : * Both TransUnion and Equifax are reporting late payments ( including XXXXXXXX XXXX XXXX ) that are not accurate and can not be substantiated with full documentation. 
* The payment history and dates reported are inconsistent, conflicting across bureaus, and fail to reflect my records. 
* The account shows contradictory credit limit and balance information that further demonstrates reporting errors. 
Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, you are required to : XXXX. Conduct a proper reinvestigation of this account with the furnisher ( XXXX XXXX ) and obtain full payment records and signed agreements proving the validity of these reported late payments. 
XXXX. Delete any information that can not be fully verified with original documentation from the creditor not simply a database confirmation. 
I request that you : * Remove all late payment notations from this account, including the Late 90 Days entry. 
* Provide me with an updated credit report reflecting the corrections. 
If you are unable to verify the accuracy of the late payment records within XXXX  days, you must delete them from my credit file as required by law. 
Please consider this my official written dispute and request for deletion under the FCRA. I expect confirmation of your investigation results in writing. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XX/XX/year> SSN 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 2025-08-08 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: OH

Complaint narrative:
The three credit agencies have violated my FCRA laws and I would like for my rights to be restored, ( Equifax, Trans Union, Experian ) all three are in violations of, I have called and complained even sent information through the mail and still no compliance.15 1 ) 15 USC 1681c-2.

2 ) 15 USC 1681i 3 ) 15 USC 6802 ( a ) 4 ) 15 USC 1681s ( a ) ( 1 ) Here are the creditors that I sent to the credit Agencies For dispute per FCRA 15 USC 1681c-2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
The three credit agencies have violated my FCRA laws and I would like for my rights to be restored, ( Equifax, Trans Union, Experian ) all three are in violations of, I have called and complained even sent information through the mail and still no compliance.15 1 ) 15 USC 1681c-2.

2 ) 15 USC 1681i 3 ) 15 USC 6802 ( a ) 4 ) 15 USC 1681s ( a ) ( 1 ) Here are the creditors that I sent to the credit Agencies For dispute per FCRA 15 USC 1681c-2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed an inaccurate XXXX  XXXX XXXX charge-off account with Experian multiple times. The account shows a {$34000.00} charge-off balance, yet lists never late payment history which is contradictory and misleading. 

I contacted the original creditor XXXX XXXX  XXXX XXXX ) directly and received no response. I also asked Experian for verification, and they have failed to provide any documentation proving the accuracy of this charge-off. Despite this, on XX/XX/XXXX, Experian updated the account without showing any investigation results or validation. 

The balance on the account has not changed since XX/XX/XXXX, and there is no evidence of any verification or activity to justify Experians repeated updates. This strongly suggests the account is being re-aged improperly, which violates the Fair Credit Reporting Act ( FCRA ). 

Experians actions appear to violate 15 U.S.C. 1681i, which requires deletion of unverifiable information. They continue to report the account after multiple disputes and failed verification attempts. 

I am requesting that the CFPB take action to hold Experian accountable and ensure this unverified, damaging charge-off is immediately 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
Consumer complaint received 2025-08-08 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
Fraudulent texts from fake web address for Harris & Harris debt collectors and phone number collecting non existent debt for 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 2025-08-08 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-08 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-08 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disclaim any responsibility for these accounts ; under USC 1681g, they must be removed in 15 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 explanation
Consumer complaint received 2025-08-08 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:
Im requesting a check on this late record in case it's incorrect.

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 2025-08-08 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:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to th

e creditors to ask the following but they have FAILED to provide such. Inquiry Details
: Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Had someone use my card for a XXXX purchase. Called bank to dispute charge. They froze my account, canceled my card and placed a fraud alert on report. Altered bank statements to not show the charges and stated I disputed the wrong charges. Fraud alert will not allow me to open new account elsewhere. Still have missing funds from returned payments.

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