vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: WA

Complaint narrative:
Six unauthorized transactions totaling {$2600.00} were posted in XXXX XXXX at XXXX XXXX XXXX XXXX miles from my home while I retained possession of my card. On XX/XX/XXXX, Barclays denied my fraud claim, asserting without evidence that I authorized the charges. On XX/XX/XXXX, I submitted a formal written request for all supporting documentation, including transaction data, merchant records, IP logs, and internal investigation notes. Barclays has failed to respond for more than 30 days, in direct violation of its obligations under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ), which require timely investigation and disclosure of evidence to the consumer. 

This failure has left me responsible for fraudulent charges, subject to accruing finance fees, and exposed to potential negative credit reporting. I have acted in good faith by providing timely dispute notices, affidavits, and follow-up correspondence, yet Barclays continues to withhold the records that are legally required to substantiate its denial. Their actions demonstrate a systemic disregard for consumer protections, and I request CFPB intervention to compel Barclays compliance and hold them accountable for this violation of 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 monetary relief
Consumer complaint received 2025-08-30 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, th ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : 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 2025-08-30 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I was defrauded by a vendor at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, operated by XXXX XXXX ). The vendor split a {$12000.00} sale into multiple unauthorized transactions : a {$3000.00} XXXX  debit and a {$2000.00} XXXX transfer through my Frost Bank account, and a {$4500.00} XXXX debit through my XXXXXXXX XXXX  account. These were processed without my authorization. 

Evidence includes Frost logs showing a {$3000.00} debit at XXXXXXXX XXXX before I even arrived, XXXX receipts with conflicting times, vendor text messages admitting use of custom check entries, and XXXX fraud alerts for a {$7000.00} attempted charge. The vendor also coerced a XXXX transfer directly to the owner, bypassing network protections. 

I reported these disputes timely. Frost closed my claim as insufficient evidence and XXXX has not resolved it. Neither bank has issued provisional credit within 10 business days as required by Regulation E ( 12 C.F.R. 1005.11 ( c ) ( 2 ) ( i ) ). I am requesting CFPB require Frost and XXXX to reopen my disputes, issue provisional credit, and refund approximately {$9500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Friday XX/XX/XXXX, I went into the pnc branch for a usual withdrawal and a cashiers check. This bank always gives me a very hard time everytime I go in there, and have been for over XXXX years now. I came in with my state id, actual bank account number, and my actual mobile bank account pulled up on my phone. They acted very rude and unprofessional and acted like it wasn't my account. Then asked if I had my debit card on me. Even tried to make me go all the way home to get it. I informed them no, but most of the time even with my id, debit card which I mostly always have, and actual bank account number that I fill out everytime for withdrawals they give me a hard time. Multiple people were waiting, and they didn't really listen to what I was saying at all. I am disheartened by the lack of professionalism, care, and lack of listening and not treating someone like a criminal or imposter for just trying to get money out of their own account. It has went on for far too long with no recourse, so a complaint has to happen now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>

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 2025-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Between XXXX and XXXX, I submitted multiple complaints to Truist Bank regarding a VA-guaranteed mortgage loan that was originated and serviced in violation of federal lending standards. Truist was made aware that the loan was processed using an incorrect appraisal submitted by XXXX XXXX XXXX on XX/XX/XXXX. The correct appraisal was not received until XX/XX/XXXX, XXXX days after the loan had already been denied and closed. This confirms that the loan was originated using false valuation data. 

In XXXX, the Department of Veterans Affairs conducted a Full File Loan Review and issued a deficiency notice identifying missing documentation, including VA XXXX XXXX, builder certifications, Certificate of Occupancy, and XXXX compliance. Truist received this audit but took no corrective action. 

I also provided Truist with an engineering report by XXXX XXXX documenting XXXX building code violations and safety hazards, as well as a congressional inquiry response from XXXX XXXX XXXX office. That response, authored by XXXX XXXX XXXX XXXX, XXXX XXXX of the VA XXXX XXXX XXXX, confirmed the following : The VA appraiser flagged a steep, declining gradient and required a certified engineering report The Staff Appraisal Reviewer ( SAR ) echoed this requirement in the Notice of Reasonable Value The lender wrongly closed the loan anyway and misrepresented to VA that all conditions had been met The VA referred the case to the Office of Inspector General ( XXXX ) for investigation The VA is examining enforcement authority to take action against the lender and builder The VA confirmed the home failed to meet Minimum Property Requirements ( MPRs ) and assured protection of my loan entitlement This letter was shared directly with Truist Banks risk XXXX, XXXX XXXX, and the Client Advocacy team. Despite this, Truist repeatedly closed internal investigations, denied any wrongdoing, and refused to indemnify the loan. 

On XX/XX/XXXX, Truist issued a letter stating that no evidence of fraud or violations was found, despite having received federal audit findings and technical reports. On XX/XX/XXXX, they acknowledged the builders failure to disclose defects but claimed the matter was outside their control. On XX/XX/XXXX, Truist admitted the appraisal error but again refused to take action. 

Truists continued servicing of this loandespite documented fraud, federal audit findings, and structural hazardshas caused significant financial harm and violated multiple consumer protection laws. I am requesting CFPB investigation and enforcement.

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 2025-08-30 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: KY

Complaint narrative:
XXXXI am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing.XXXXThe following accounts are in dispute: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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
There is hard inquiries that I did not authorize on my credit report. There is a first premier that was open XX/XX/XXXX close XX/XX/XXXX. Ive never had or opened theres a credit collection service open XX/XX/XXXX closed on XX/XX/XXXX Ive never had that. unauthorized inquiry on my credit report that I did not authorize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is hard inquiries that I did not authorize on my credit report. There is a first premier that was open XX/XX/XXXX close XX/XX/XXXX. Ive never had or opened theres a credit collection service open XX/XX/XXXX closed on XX/XX/XXXX Ive never had that. unauthorized inquiry on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that is being reported under my credit profile. I did not authorize or open this account, and I have no relationship with it whatsoever. The reporting is completely false, misleading, and harmful to my financial record.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified information being reported on my credit file. 

Company : COLUMBIA DEBT RECOVERY - BALANCE XXXX The original creditor is XXXX XXXX. I previously disputed this account because I have never had a contract with this debt collector for any debt. I specifically asked for proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect on it. Instead of delivering this validation, the bureaus verified the account without furnishing proof. I disagree with the results of their investigation. To this date, I have not received : Documentation from the original creditor verifying the debt, or Proof that COLUMBIA DEBT RECOVERY has legal ownership and authority to collect this account. Despite the lack of validation, the account continues to be reported on my credit file by XXXX XXXX XXXX XXXX, which is an inaccurate and misleading representation. Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting this unverified collection without documentation fails to meet this standard. 15 U.S.C. 1681i ( a ) : When a consumer disputes an item, the credit reporting agencies are required to conduct a reasonable reinvestigation. My dispute was not properly investigated, as no proof of debt was provided ; yet, the account remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$9900.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I requested the correction of inaccurate information directly from the data furnisher. One credit bureau appropriately updated and removed the item following investigation. However, the other credit bureaus continue reporting the inaccurate information because the furnisher failed to correct and update the data across all agencies as required under FCRA 623 ( a ) ( 2 ). This violates their legal obligation to promptly correct and update incomplete or inaccurate information once they become aware of it. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I saw a debt collection on my credit report which I dont know and they been texted me too before it appeared on my credit report I do not know what is it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account Number : 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 {$1000.00} I XXXX XXXX this XXXX regarding the above-referenced collection account, which appears on my credit reports with TransUnion, Experian, and Equifax. This account does not belong to me. It was fraudulently opened without my knowledge, authorization, or consent.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am formally requesting that this fraudulent account be blocked from my credit reports immediately.

Under FCRA 605B, when a consumer submits proof of identity theft along with an identity theft report, the credit reporting agencies are legally required to block the reporting of the fraudulent information from the consumers file within four ( 4 ) business days.

Legal Basis - FCRA 605B ( a ) ( 1 ) : Requires credit bureaus to block information that results from identity theft upon receiving proof.

- FCRA 605B ( b ) : Requires the block to be placed no later than 4 business days after receiving the request and documentation.

- FCRA 623 ( a ) ( 6 ) : Furnishers of information ( in this case, Equifax ) may not continue to report fraudulent information after being notified of identity theft.

Action RequestedI demand that this fraudulent collection account be : 1. Immediately blocked and removed from my credit reports with all credit reporting agencies. 
XXXX. That XXXX and the original creditor, XXXX The XXXX at XXXX, XXXX notified of the fraudulent nature of this account and cease all reporting.

3. That written confirmation of the blocking and deletion be provided to me once completed This account is fraudulent, was opened without my consent, and is causing severe harm to my creditworthiness. In accordance with FCRA 605B, you must block this account from my file and provide written confirmation. Failure to comply may result in legal action, including filing complaints with the CFPB, FTC, and XXXX Attorney XXXX XXXX. 
I expect a response and confirmation of deletion within the timeframe required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the presence of a fraudulent account on my credit file. I have no association with this account and never authorized its creation. Its reporting is incorrect and has negatively affected my credit profile.

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