vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to formally dispute erroneous charges and payment processing failures on my account ( 2020 ). Despite confirming receipt of my XX/XX/XXXX payment, Barclays later reversed it, falsely citing " insufficient funds. '' Neither I nor XXXX  XXXX XXXX received any return notice, and the funds were never withdrawn from my account. 

Barclays claimed it would " retry '' the payment within 24hours, yet no reattempt occurred. Instead, I was immediately charged {$100.00} ( {$200.00} counting yesterdays charge ) and a refund feeneither of which were reversals but entirely new charges. 

I previously alerted senior leadership to fraudulent activity on my account, yet this issue remains unresolved. I demand : 1. Immediate removal of all wrongful fees. 
XXXX. Reinstatement of the XX/XX/XXXX payment with no penalties. 
XXXX. Reinstatement of my credit of {$77.00} I also included screenshots of the funds in my checking account currently. I also included a screenshot of my Barclays account yesterday and what it looks like today.

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 2025-06-07 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:
CFPB COMPLAINT - CREDIT REPORT DISPUTE Consumer : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX Complaint filed against the following Credit Reporting Agencies : - TransUnion - Experian - Equifax Nature of Complaint : This formal complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate, outdated, and/or unverifiable accounts listed below that are currently being reported by the major credit bureaus. Despite previous attempts to resolve these disputes directly, the inaccuracies remain. I am requesting a full investigation and permanent removal of the erroneous entries.

Detailed List of Disputed Accounts : Creditor : 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 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 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 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 I am formally requesting that the CFPB investigate these matters and require the credit bureaus to remove the above accounts from my credit file where appropriate. These accounts are damaging my credit reputation and do not accurately reflect my credit history. 
Attached are supporting affidavits and documentation to substantiate my dispute claims. 
Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
the accounts in question do not belong to me and they were not authorized by me. they were created due to fraud, for that reason alone they must be removed per 15 usc 1681b. i have not supplied proof under the octrine of stoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719 i may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.

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 2025-06-08 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-06-07 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: Early Warning Services, LLC
State: MO

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Kansas XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX  XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX  Name : XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX  XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX  Name : XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an American Express XXXX XXXX and they denied my application, I wrote them a reconsideration letter on XX/XX/year> stating that according to their prospectus ; my application ( receivable ) was securitized ( AMEX Prospectus page XXXX ) thus if they profited off of my application then Im rightly owed a credit card In return as compensation in fairness and equity. 

They responded back to me in a letter dated XX/XX/year> that they would not open an account for me. 

I would just like the AMEX card thats owed to me since its essentially an extension of my own credit that they accessed through my social security account that I gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I opened a chase southwest rewards credit card in XX/XX/year>. I signed up under a special promotion they were running for XXXX bonus points for new customers. I met all qualifications and spent the required purchase amounts. I called chase to verify the XXXX point offer before signing up and the representative confirmed this offer. After spending the required amount I then called chase again to ask about the bonus points as they had not been applied to my account and was told to wait 3 months for them to be applied. Chase is now staying that although they can see this promotion was available at the time I signed up that I only got XXXX bonus points. I have spoken to numerous customer service agents who have all said different things and were always just in a rush to get me off the phone, not one cared to help my situation or offer any type of solution. As a customer all I am asking for is the promotional points promised to me as a new customer. The promotion I was promised is the only reason I opened this credit account. My experience has been beyond frustrating and it is appalling the way I have been treated as a customer. I would warn anyone opening an account that this company does not honor their promotional promises and my experience with customer service has been appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
To Whom It May Concern, I am formally disputing several inaccurate and unverified entries currently listed on my credit report. These entries are in violation of federal consumer protection laws and must be removed immediately to ensure fair and accurate reporting, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable laws. 

XXXX. Late Payments XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Under 15 U.S. Code 1666b ( Truth in Lending Act ), creditors are prohibited from reporting late payments without valid verification and without giving the consumer adequate opportunity to dispute. Furthermore, under 15 U.S. Code 1681s-2 ( b ), furnishers must investigate and correct inaccurate information once notified.

I am requesting that all late payment notations on these accounts be removed due to lack of full validation. I was not properly notified of these delinquencies, and I have not received legally sufficient documentation that verifies the validity and accuracy of the reported late payments. 

XXXX. Student Loan Accounts XXXX XXXX XXXX Pursuant to the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, educational data including student loan information tied to personally identifiable information is protected and can not be disclosed to third parties ( such as credit bureaus ) without the borrowers explicit written consent. 

The presence of these student loan tradelines on my credit file without documented consent represents a data privacy violation under FERPA and a breach of my federally protected rights. Therefore, I am demanding the complete removal of these accounts from all three credit bureaus. 

XXXX. Collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1692g ( FDCPA ), any debt collector must provide full written validation of a debt within five days of initial contact or reporting. These collection agencies have failed to provide complete documentation, including : Original signed contract or agreement Full itemized breakdown of the debt Chain of title showing legal assignment of the debt In addition, any medical-related debts ( if applicable ) must comply with CFPB guidelines XXXX XX/XX/year> ), which mandate the removal of : Paid medical collections Medical debts under {$500.00} Any medical debts reported without proper verification For these reasons, I demand that all collection accounts listed above be immediately deleted from my credit reports due to lack of verification, validation, or proper authorization.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing several inaccurate and unverified entries currently listed on my credit report. These entries are in violation of federal consumer protection laws and must be removed immediately to ensure fair and accurate reporting, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable laws. 

XXXX. Late Payments XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Under 15 U.S. Code 1666b ( Truth in Lending Act ), creditors are prohibited from reporting late payments without valid verification and without giving the consumer adequate opportunity to dispute. Furthermore, under 15 U.S. Code 1681s-2 ( b ), furnishers must investigate and correct inaccurate information once notified.

I am requesting that all late payment notations on these accounts be removed due to lack of full validation. I was not properly notified of these delinquencies, and I have not received legally sufficient documentation that verifies the validity and accuracy of the reported late payments. 

XXXX. Student Loan Accounts XXXX XXXX XXXX Pursuant to the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, educational data including student loan information tied to personally identifiable information is protected and can not be disclosed to third parties ( such as credit bureaus ) without the borrowers explicit written consent. 

The presence of these student loan tradelines on my credit file without documented consent represents a data privacy violation under FERPA and a breach of my federally protected rights. Therefore, I am demanding the complete removal of these accounts from all three credit bureaus. 

XXXX. Collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1692g ( FDCPA ), any debt collector must provide full written validation of a debt within five days of initial contact or reporting. These collection agencies have failed to provide complete documentation, including : Original signed contract or agreement Full itemized breakdown of the debt Chain of title showing legal assignment of the debt In addition, any medical-related debts ( if applicable ) must comply with CFPB guidelines XXXX XX/XX/year> ), which mandate the removal of : Paid medical collections Medical debts under {$500.00} Any medical debts reported without proper verification For these reasons, I demand that all collection accounts listed above be immediately deleted from my credit reports due to lack of verification, validation, or proper authorization.

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 2025-06-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX - {$460.00} According to the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report. It is my understanding that you will verify these items with the creditor responsible for reporting them. I kindly ask you to eliminate any information that the creditor is unable to verify. I am aware that, in accordance with 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no fee for this updated report. Additionally, I request that you notify anyone who has received my credit report in the past six months of any corrections made. 
Thank you for your attention and assistance regarding this matter. 
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 2025-06-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX - {$460.00} According to the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report. It is my understanding that you will verify these items with the creditor responsible for reporting them. I kindly ask you to eliminate any information that the creditor is unable to verify. I am aware that, in accordance with 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no fee for this updated report. Additionally, I request that you notify anyone who has received my credit report in the past six months of any corrections made. 
Thank you for your attention and assistance regarding this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
Dear Equifax, I am writing to request the removal of adverse information from my credit report that resulted from my experience as a victim of human trafficking. Specifically, I am referring to the account listed under XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX. 

I have previously submitted the necessary documentation, including proof of identity and a victim determination statement. I am resubmitting these documents for your reference. 

According to the Consumer Financial Protection Bureau 's guidelines, consumer reporting agencies are required to block such information within four business days of receiving a valid request. 

Please confirm the removal of this account from my credit report and provide an updated copy reflecting this change. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MO

Complaint narrative:
Ive recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debts, however the information has not been provided due to my information being exposed, I have submitted an FTC complaint reporting the info I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a database and a validation of debt letter.

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 2025-06-07 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This is a formal request pursuant to FCRA 611 ( 15 U.S.C. 1681i ) for the method of verification used to validate certain accounts previously disputed in my CFPB complaint filed on XX/XX/year>XXXX XXXX marked some these disputed accounts as " verified, '' but failed to provide evidence of how or from whom the information was verified. 

As allowed under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide : 1. The name, address, and contact information of the source that verified each disputed account.

2. The method used in the investigation of these accounts.

3. A copy of any documentation or evidence provided by the furnisher in support of its verification.

4. Confirmation that your reinvestigation complied with all applicable requirements under the FCRA. 

If you are unable to provide this information, or if the furnisher of the data failed to properly verify the accuracy of the disputed accounts, you are legally required to delete them from my credit report immediately. 

The disputed accounts in question include : - XXXX XXXX XXXX XXXX Account # XXXX - LVNV Funding Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX This request is in direct reference to the accounts raised in my prior CFPB complaint. I have included copies of my previous FTC Report. Please treat this as a reinvestigation request under the FCRA and respond within the timeframe required by law.

Company response to consumer: Closed with non-monetary relief