vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to cause me significant distress and has negatively impacted multiple aspects of my life. Despite my repeated efforts to resolve these issues, the unauthorized items remain on my report, creating ongoing stress and XXXX. I want to emphasize that I never consented to or authorized the association of this information with my name, as I have been a victim of identity theft. The continued presence of these items is unacceptable and has caused substantial harm to my financial standing and personal well-being.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite numerous attempts to resolve the fraudulent inquiries on my consumer report, these unauthorized entries remain, despite having absolutely no connection to me. As a victim of identity theft, the presence of these false inquiries has caused significant XXXX  anguish and financial hardship, preventing me from purchasing my dream home and properly providing for my family 's needs. The substantial impact on my financial wellbeing is documented in my previous correspondence with the Federal Trade Commission, which demonstrates the seriousness of this matter and my diligent efforts toward resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
This is a formal dispute regarding accounts that I did not authorize or recognize. They are inaccurately reported and must be removed. As allowed under 15 U.S. Code 1681g, I expect these accounts to be deleted within 15 days. Relevant supporting documents are enclosed.

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 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: KY

Complaint narrative:
I moved out of my apartment on XX/XX/XXXX. Following my move-out, I was billed {$1200.00} by XXXX for carpet damage, which was then transferred to collections with BounceAI. I requested validation of the debt. In response, BounceAI provided my lease, move-out photos showing approximately XXXX square feet of carpet damage, and photos of carpet materials allegedly purchased but those materials were dated XX/XX/XXXX, over a year before I moved out, and clearly not purchased for my unit. 

No documentation was provided to confirm that any carpet replacement work was actually performed, nor were there invoices, receipts, or labor records to justify the cost. Despite this, I was charged for XXXX square feet of carpet replacement a figure that is not supported by the visual evidence they provided. 

I disputed the debt based on the lack of proof that the work was performed and because the charge appeared to be excessive in relation to the documented damage. BounceAI responded by stating that my dispute was invalid and that they do not assess or validate charges, instead referring me back to the property. This response fails to meet their legal obligation under the Fair Debt Collection Practices Act to provide verification of the debt before continuing collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit record, I discovered the presence of late payments that I believe are inaccurate or unverified. I sent correspondence to the relevant parties over 30 days ago requesting proper validation of these items, but I have not received any response or satisfactory documentation to support their accuracy. The lack of response and failure to provide adequate validation raises serious concerns about the legitimacy of these reported late payments on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
I recently became aware of unauthorized accounts on my credit report. I did not open these accounts and they are the result of fraud. I demand their deletion within 15 days as required by 15 U.S. Code 1681g. Documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
This is a follow-on submission regarding Barclays Bank Delawares XX/XX/year> response to my prior CFPB complaint. I am not reasserting the original dispute here but submitting a response to significant deficiencies in Barclays ' formal reply, which raise new and unresolved concerns. 

In its response, Barclays confirmed that it granted CARES Act credit reporting protections only to consumers who enrolled in a single XXXX deferral program. Barclays did not acknowledge or address hardship requests from consumers who did not opt into this program, nor did it offer any justification for excluding them from coverage under the CARES Act. This narrow application appears inconsistent with the text and intent of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), as amended by the CARES Act. It likely created a class of similarly impacted consumers who were excluded from protections to which they were legally entitled. 

Barclays also confirmed that I had accepted and paid a settlement offer. However, it stated that it was unable to produce either the original settlement offer or the executed settlement agreement. Despite this, Barclays continues to report the account as settled for less than full balance and in dispute, without furnishing any documentation to support that description. This raises a serious concern under FCRA 1681e ( b ) regarding the accuracy and verifiability of the tradeline. 

Furthermore, Barclays acknowledged receipt of my dispute but did not describe any investigation or provide evidence that one occurred. The response simply restates account history and affirms the reporting, without addressing the lack of documentation or evaluating the impact of the hardship request. This may constitute a failure to conduct a reasonable investigation under FCRA 1681s-2 ( b ).

These issues are not merely clericalthey undermine my ability to verify the terms of my settlement, resolve the tradeline dispute, and understand how Barclays has determined what to report. Moreover, Barclays own admissions suggest that similarly situated consumers may have experienced the same procedural and statutory failures. 

I am requesting that the CFPB review these newly raised concerns, particularly in light of the lack of documentation and Barclays rigid and arguably improper interpretation of the CARES 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 2025-06-17 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: IL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MO

Complaint narrative:
XXXX # XXXX. THIS IS NO MY ACCOUNT. 
XXXX  # XXXX.. THIS ACCOUNT IS CLOSED XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a creditor or any entity must have a permissible purpose to access or place a hard inquiry on a consumers credit report. This means they must obtain the consumers written authorization or have a legally valid reason, such as evaluating a credit application, reviewing an existing account, or collecting a debt.

If a creditor places an inquiry on your credit report without your explicit permission or without a legally defined permissible purpose, they are in violation of federal law. Such unauthorized inquiries are considered an invasion of privacy and may be grounds for legal action, including statutory damages, under 15 U.S. Code 1681n and 1681o.

Consumers have the right to dispute any unauthorized inquiries with the credit bureaus and demand removal. Additionally, they may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or take legal action against the violating entity.

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 2025-06-17 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

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 2025-06-17 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
The account was suddenly closed for fraudulent activity. I asked for the details of the fraudulent activity and they refused to provide any info to me. They said no money was taken out of the account and transactions were refunded or canceled. I dont know what they mean by that because I didnt get any of the money back for those transactions and the balance is at XXXX and the account is closed. I asked for a statement of all transactions and the contact info for their legal team and they also refused me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/year> I was charged {$200.00} on my Citibank XXXX at XXXX XXXX. I disputed the charge and because I had the card in my possession, Citibank said I owed the money. After extensive research, I have found that XXXX XXXX has no physical address, no website and a phone number that goes to an unidentified voice mail. Even XXXX own records show XXXX XXXX on one page and then under details, another company name of XXXX XXXX. I went to XXXX XXXX  ( where I'd never been before ) and they search their records and no {$200.00} charge was made that day, nor the day before. Through the LA Sect. of State 's office I found XXXX XXXX to be owned by a XXXX XXXX of XXXX XXXX, XXXX XXXX. Further research shows he has been in prison in XXXX XXXX. He also has two other businesses listed through the Sec. of State, neither with an Internet presence, both probably for the sole purpose of kiting credit card numbers. Despite all this, including filing a police report with the XXXX XXXX. Citibank has not taken away this charge. Meanwhile XXXX XXXX is probably racking up a lot of other victims.

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 2025-06-17 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Warning : Deceptive Credit Practices at Best Buy & Citi Bank I entered a Best Buy store to purchase electronics with cash, but the sales staff aggressively pressured me into applying for a Citi Bank " 0 % interest '' credit card. They assured me I would not be charged any interest as long as I made payments, leading me to believe the balance would be paid off within the promotional period. I provided my checking account details for autopay, trusting that the correct amounts would be withdrawn to satisfy the promotion. 

Instead, Best Buy and Citi Bank structured the payments to ensure the promotion would fail. They set up autopay to withdraw only {$32.00} per montha fraction of what was needed to pay off the balance in timeguaranteeing that the promotion would expire, triggering retroactive interest at an outrageous 30 % + APR. There were no warnings, alerts, or clear disclosures about this predatory scheme. 

Once the trap was sprung, Citi Bank slammed me with over {$3000.00} in back interest and increased the autopay amount to nearly $ XXXXmonthconveniently ensuring they could extract even more money from me. I was traveling abroad at the time, with no email notifications, and by the time I discovered the fraud 10 months later, an item that should have cost {$4000.00} cash had nearly doubled in cost due to their deceptive practices. 

This is unconscionable behaviora deliberate scheme to lure customers into a " 0 % interest '' trap only to blindside them with exorbitant fees. Such practices may violate : Consumer Financial Protection Bureau ( CFPB ) rules on unfair and deceptive acts ( UDAAP ). 

Truth in Lending Act ( TILA ) requirements for clear disclosure of credit terms. 

State consumer protection laws prohibiting deceptive sales tactics. 

I urge others to avoid Best Buy and Citi Bank credit cards and demand accountability for these predatory practices. If youve experienced similar fraud, file complaints with the CFPB, FTC, and your state attorney general.

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 2025-06-17 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the immediate deletion of the unverified items listed below, as required under Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ) of the FCRA. Despite three previous written requests, these items remain on my credit report without proper verification. You have not provided original documentation, such as a signed contract, to substantiate these entries. Additionally, you have failed to outline the method of verification, as required under Section 611 ( a ) ( 7 ). If these unverified items are not removed immediately, I will escalate this matter by filing a formal complaint with the Federal Trade Commission and considering legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
These accounts were opened without my consent and are not mine. I insist they be removed immediately under the protections granted by 15 U.S. Code 1681g. Please process this deletion within 15 days. I have provided all necessary documentation.

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 2025-06-17 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$710.00} Open Date XXXX XXXX, XXXX XXXX  XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX  XXXX XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$560.00} Open Date XX/XX/XXXX Inquiries XXXX  XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX 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

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: CT

Complaint narrative:
On XX/XX/year>XXXX XXXX  is trying to collect a debt of {$430.00} which isnt mine

Company response to consumer: Closed with explanation