vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I received a promotional invitation to apply for credit toward a vacation with XXXX XXXX, for which I needed to attend an information session. This session consisted of over XXXX hours of misleading information, after which I expressed a desire to leave. After expressing this, I was offered a credit card with a promotional offer of XXXX interest for several months, which I took. And in the first XXXX months I was not charged interest. However, since then I have been charged interest every month ( at least 4 months ). I called to inquire about why I was still seeing interest charges, and I was told by a customer service representative that the promotional interest free period I was offered applied to " down payments for XXXXXXXX XXXX XXXX  '', which I had clearly expressed my lack of interest in, and not purchases made with the credit card. It is now incredibly clear that they made that offer knowing I would be under the impression that a promotional offer would apply to purchases made with said credit card. Their entire set up is a scheme to wear people down and bombard them with so much information that they can not clearly recall any of the specific details of offers that were made to them. Further cementing their knowledge of their deceptive practices, I can not access any electronic versions of the records indicating the terms under which I signed up for the credit card.

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 2025-12-16 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: TN

Complaint narrative:
Someone had gotten a hold of my social security information when I misplaced my social security card and opened this account. I tried explaining this to the company, and they would not pull any information to prove that it is my account. I don't even have a way to pay on the account, I never received a card, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

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.

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 2025-12-16 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:
I am writing to dispute the accuracy of several accounts listed on my credit reports across the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and TransUnion ( XXXX ). Below are the accounts in dispute, separated by each bureau, along with relevant details. 

Charged Off Accounts XXXX  Account Number : 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 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 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
My card and phone was stolen I provided my bank with police report and proof and they denied my appeal XXXX $ was stolen from my account filled appeal on XX/XX/year> I uploaded multiple documents proof and they denied my appeal my bank dispute team put the wrong information and denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After a prior CFPB complaint and dispute regarding this account, the information being reported on my Experian credit report was materially altered. Following the closure of the prior CFPB complaint, the accounts reporting dates, balances, and charge-off information changed and now conflict across multiple versions of the same tradeline. 

Specifically, the account reflects inconsistent original balances, differing charge-off amounts, and revised past due and status updated dates that do not align with prior reporting or with the lenders own written correspondence. These changes occurred after the CFPB process and were not explained or supported with documentation. 

As a result, Experian is publishing materially inaccurate and inconsistent information that can not all be correct at the same time. I previously requested correction of these inaccuracies, but instead of correcting the errors, the reporting was modified in a way that created new discrepancies. 

I am requesting a full reinvestigation and correction or deletion of this account due to inaccurate, inconsistent, and unverifiable reporting under 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 2025-12-16 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-12-16 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: NY

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was offered a balance transfer and so i  applied and asked for {$1900.00} to go to my XXXX XXXX  XXXX  credit card. They sent it to someone at Bank Of America that is not me, I do not have an account with BOA. XXXX XXXX told me I had to call BOA and fix it myself. BOA said no this is not your account and has nothing to do with you XXXX has to call us and fix it. After XXXX  months of repeatedly contacting XXXX many many times. nothing has been done. I XXXX out to the president of XXXX still nothing just that they sent a letter to BOA. They continue to say they sent a letter to BOA and that is all we can do. So XXXX  months have passed I'm still paying on a debt XXXX  did not receive. When and what will it take for them to except their mistake and take responsibility for the debt that is not mine? As of now XXXX XXXX  needs to complete their through investigation and not rely on Bank of America for a response. When I already told them I am not a Bank of America account holder. XXXX XXXX  initiated the transfer on XXXX XXXX and the documentation shows issued on XX/XX/XXXX they dated the check and by their banking error deposited into Bank of America XX/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 explanation
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
I am submitting this complaint as a consumer who is attempting to repair my credit and has identified inaccurate and inconsistent information on my TransUnion credit report. 

* * Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXXXXXX BANK Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX I am disputing the accuracy of these charged-off accounts and requesting full verification of balances, dates, and reporting status. 

* * Inquiries in Dispute ( TransUnion ) : XXXX XXXX XXXX XXXX XXXXXXXX BANK XX/XX/XXXXXXXX XXXX XXXXXXXX BANK XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing all of these inquiries and request that TransUnion verify permissible purpose. 

* * Late Payment in Dispute ( TransUnion ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX I am disputing the accuracy of this late payment reporting. 

I respectfully request that TransUnion investigate these matters and ensure my credit report contains only accurate, complete, and verifiable information.

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 2025-12-16 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following inaccurate information on my credit reports. I have reviewed my credit reports from all three major bureaus, and I believe the information listed below is incorrect or incomplete. Please investigate and correct these errors as soon as possible. 

INQUIRIES : XXXX, XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXXXXXX CARD, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX LATE PAYMENT : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( Late payment dispute )

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash App informed me that my account violates the Terms of Service and that it will remain permanently deactivated. However, the company has not identified which specific Terms of Service were violated, what activity triggered the decision, or when the alleged violation occurred. 

I use my Cash App account solely for personal, everyday expenses. I do not engage in gambling, fraud, or prohibited transactions. My appeal resulted only in a generic response with no explanation, clarification, or opportunity to correct any alleged issue. 

The lack of transparency has prevented me from understanding the reason for the account closure and has disrupted my access to a financial service I rely on for daily use. While Cash App states it reviewed my account, it has not provided sufficient information to demonstrate that the closure was fair or accurate. 

I am requesting that Cash App provide a written explanation identifying the specific Terms of Service allegedly violated and the activity that led to the closure, as well as confirmation that my account was reviewed by a human representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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've contacted these companies to advise them of correct information or to dispute a fraudulent item on my account. With proof I've submitted this request to remove these items. I am a single mother whose identity was compromised. I've submitted proof of this but still my credit is at fault. This is not fair.

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 2025-12-16 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
On XX/XX/year>, Experian received my certified dispute regarding a bankruptcy public record and multiple related tradelines. After completing its reinvestigation, Experian reported the information as verified and closed the dispute. 

Following that outcome, I timely submitted a formal Method of Verification ( MOV ) request pursuant to FCRA 611 ( a ) ( 7 ). This request required Experian to disclose the name, address, and telephone number of the source used to verify the disputed information, as well as the specific documentation relied upon and the method used to reach the verification decision. 

Experian did not provide this information. Instead, Experian issued a generic statement asserting that the reporting source certified the information as accurate, without identifying the source, without providing contact information, and without producing any documentary evidence or verification details. This response does not satisfy the statutory requirements of 611 ( a ) ( 7 ).

The failure is material because the bankruptcy public record had already been deleted by a third-party public-records vendor, creating a clear verification conflict. Experian did not reconcile this conflict, did not identify any court, clerk, vendor, or database relied upon, and did not provide any ACDV or e-OSCAR verification data.

Despite failing to comply with the Method of Verification requirements, Experian closed the dispute and continues to report the public record and related tradelines. Closing a dispute after a formal MOV request without providing the required verification details constitutes non-compliance with FCRA 611 ( a ) ( 7 ) and undermines the reinvestigation requirements of 611 ( a ) ( 1 ) ( A ) and the accuracy obligations of 607 ( b ).

At this point, the disputed information is legally unverifiable, and continued reporting without a lawful Method of Verification is improper. I am requesting CFPB review and enforcement to address Experians failure to comply with federal 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 2025-12-16 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: NY

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.

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 2025-12-16 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: TX

Complaint narrative:
I am writing to request that the credit freeze currently placed on my credit file be temporarily lifted/ permanently removed for all purposes. This request applies to my accounts with your credit bureau. 

Personal Information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX Texas XXXX

Company response to consumer: Closed with explanation