vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-28 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank Delaware has repeatedly and willfully refused to conduct any reasonable investigation of my Fair Credit Billing Act dispute ( original charge {$1100.00}, XX/XX/year>, merchant Lets MoVet ). 
Despite XXXX prior CFPB complaints ( XXXX XXXX, XXXX, XXXX ) and an open XXXX case XXXX, Barclays continues to : Rely on merchant evidence containing a knowingly false statement that the dispute was dismissed and settled in their favor on XX/XX/year> a date when no final decision existed and provisional credit was illegally removed without written notice. 
Accept and use merchant submissions that are not billing records at all, but explanations prepared for an ongoing California XXXX XXXX XXXX investigation ( XXXX active cases ), including illegally obtained protected veterinary medical records from a third-party animal hospital after the patients death and without authorization. 
Issue duplicate closure notifications ( XX/XX/XXXX & XXXX, 2025 ) for a non-existent amount of {$1100.00} instead of the actual {$1100.00}. 
Close the same dispute under XXXX different internal case numbers ( XXXX XXXX XXXX XXXX ) with no consolidated history. 
Repeatedly close CFPB complaints with identical templated denials ( latest XX/XX/year> ) that address none of the violations raised. 
Barclays has never provided : a written investigation report, explanation of evidence reviewed, justification for removal of provisional credit, response to the merchants submission of false and illegally obtained documents. 
This constitutes a systemic, deliberate pattern of unreasonable investigation in violation of 15 U.S.C. 1666 and CFPB XXXX XXXX. 
I request that CFPB : Reopen and consolidate all prior complaints, Compel Barclays to produce a complete written investigation report addressing each violation listed above, Order permanent reversal of the {$1100.00} charge plus all finance charges, Impose appropriate supervisory or enforcement action for willful FCBA violations. 
I have filed a parallel formal supervisory complaint with the Delaware XXXX XXXX XXXX XXXX XXXX  XXXX and will provide tracking upon request.

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 2025-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Florida Financial Management dba Lend A Dollar
State: TX

Complaint narrative:
They never give no information, all they want is a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Absolute Recovery Services, LLC
State: MS

Complaint narrative:
I been trying to dispute this account with absolute recovery services llc about XXXX XXXX this is my second round of dispute with them how can you say I owe a debt when you havent approve I owe this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: PA

Complaint narrative:
Let me reiterate that this complaint is entirely legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. 
These errors are causing serious and ongoing negative impacts on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. 
Resolving this issue is not merely necessary it is critical.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-29 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I am submitting this complaint against [ Credit Bureau Name ] for failing to comply with the provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in relation to their improper handling of a dispute I submitted regarding the following account : Account Name : XXXX  Account Number : XXXX  Although I received a response claiming that the information was verified, significant inaccuracies remain unresolved. I request a more thorough investigation that addresses the following legal and factual concerns : Grounds for Dispute and Legal Violations : XXXX. Inconsistencies among bureaus : The reported information on this account differs across the three major credit bureaus. 
XXXX. Lack of original documentation verification ( 15 U.S.C. 609 ( a ) ( 1 ) ( A ) ) : Under the FCRA, the agency is required to verify reported information using the original signed consumer contract. This documentation has not been provided. 
XXXX. Right to proper investigation ( 15 U.S.C. 1681i ) : The bureau failed to conduct a complete and reasonable investigation within the 30-day legal window. The results provided were inadequate and did not address my concerns. 
XXXX. Inadequate compliance procedures ( 15 U.S.C. 1681e ( b ) ) : The bureau has not demonstrated that it uses reasonable procedures to ensure the maximum possible accuracy of the information in my report. 
XXXX. Obligations of data furnishers ( 15 U.S.C. 1681s-2 ) : The original creditor did not properly investigate or correct the disputed information after being notified, as required by law. 
XXXX. Lack of transparency and accuracy ( TILA 15 U.S.C. 1601 ) : The reported information lacks accuracy and transparency, violating my consumer rights under TILA. 

XXXX. Non-compliance with Public Law 91-506, Title VI, Section 611 : This law outlines the procedures required to remove inaccurate or incomplete information. The bureaus response did not meet these standards. 
XXXX. 15 U.S.C. 1681i ( 7 ) : I have not received a detailed explanation of the investigation methods used, which should be provided within 15 days of receiving a consumer dispute. 
XXXX. Unverified public record : Under the FCRA, no public record may be reported without physical verification ( i.e., signed contract or court judgment ). Due to lack of verification, I request the immediate deletion of this account.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I am writing to formally file my claim regarding the disputed {$500.00} transaction with XXXX. Chase Bank denied my initial claim this past Tuesday, reversing the temporary credit and debiting my account by {$500.00}. 

I strongly dispute this decision and believe the {$500.00} charge resulted from my misunderstanding of XXXX 's website, where I mistook the offer for a loan instead of a virtual card for product purchases. There was no clear way to speak to a representative to understand the process, and I immediately reported the error once I saw the negative balance in my account. 

This is a serious matter, and I believe XXXX has misrepresented the nature of the transaction. I have attached the following evidence to support my claim : - Screenshots of my conversation with XXXX from XX/XX/year>, which demonstrate that I did not owe them money and was not a pre-existing member. 

- The email correspondence with XXXX Customer Support regarding this issue. I am sending all screenshots of that evening. No one to get a responses at XXXX. I'm disgusted by their grifting. 

I request that you review this claim again with the provided evidence. I am also filing a separate complaint with the FTC regarding this matter. 

Thank you for your time and assistance in resolving this. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: PA

Complaint narrative:
Urgent Complaint Regarding US Bank Account Closure and Withheld Funds Dear CFPB, I am filing a formal complaint regarding US Banks handling of my checking account ending in XXXX and funds totaling {$1600.00}. The actions taken by the bank have caused significant inconvenience and undue delay. 
Detailed Timeline and Issues : 1. On XX/XX/year>, my checking account was placed under review, and my funds were frozen without sufficient explanation.

2. I repeatedly contacted US Bank to inquire about the status of my account and the release of my funds. On each call, customer service provided a specific date for resolution.

3. When I followed up before the promised date, I was given a different resolution date, indicating that the bank had not addressed the matter as previously promised.

4. I have fully complied with all document and identification requests from US Bank. Despite my full cooperation, the bank has failed to release my funds.

5. The resolution has now been delayed for over a month, with repeated changes to the promised processing dates, demonstrating a lack of accountability and proper procedure.

I am providing this complaint in the hope that CFPB will intervene and ensure proper resolution. I can provide records of all communications with US Bank if needed.

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-11-28 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: GA

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-29 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) 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 non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-28 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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