vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
On XX/XX/year>, I made a payment of {$300.00} in excess of the minimum amount due on my account. This additional payment was intended to be applied specifically to the XXXX Interest Balance Transfer so that I could pay off that balance within the promotional period and avoid any accrued or compounded interest. 

However, I have discovered that this payment was incorrectly applied to the general account balance, which completely defeats the purpose of the balance transfer promotion and makes it impossible for customers to pay off their transferred balances as intended. This practice is unacceptable, misleading, and unfair to consumers. 

On XX/XX/year>, I contacted Barclays Bank and spoke with XXXX representatives, XXXX and XXXX ( XXXX ). I was informed that their system allegedly has no way to allocate payments to specific balances, including promotional balance transfers. This is a serious issue that must be rectified immediately. 

I have attached both statements that I have, the first one showing the initial promotional balance transfer of {$2500.00}, the second one showing that the balance of the promotional transfer is still {$2500.00}. It should be {$2200.00}.

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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime bank offers a over draft with no fees, The problem is have, is everything is pay back the spot me coverage, the bank request a tip, over and above the amount borrow, like a actual tip, advising XXXX to XXXX percent tip is suggested, to my understanding, financial institutions, are not allowed to take gift tips ect due to fact this leads to unethical banking practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

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 2025-10-22 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: OH

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-22 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:
I recently have taken a look at my credit report and I see a collection under the company XXXX XXXX. I have no doubt in mind that this is not my collection. It is trying to collect on a XXXX debt which I have never had as I am a current customer with them. When I called into the bureaus to dispute this account, as it also has an incorrect name and not my name. They did verify that this did not belong to me but it is still showing up on my credit report. Once they verified this debt was not mine to pay they removed any access I had to that account, so now when I call into the bureaus they will not give me any information regarding this debt since it is not under my name. Now that they have verified it is not mine this should also be removed from my credit report although it still appears on my file.

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 2025-10-22 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I went to stay with a friend for XXXX nights at the XXXX XXXX  hotel in XXXX XXXX on XXXX before we were to get an XXXX. She had been there since XX/XX/XXXX. The room went in to my name on XXXX. The bill shouldve been settled. She incurred {$340.00} in XXXX charges from XXXX. I was not at the hotel. I was in XXXX XXXX. First time in hotel was XX/XX/XXXX at around XXXX. I had put money in my account to pay my bills coming in on the XXXX. They charged my debit card for the mini-bar charges. PayPal reversed the charge. Then they reversed the reversal claiming that my chip was used. Only time my chip was used was on XX/XX/XXXX for {$150.00}. Bills already started coming in so money I had deposited went to those. It was XXXX XXXX XXXX hotel deposit for XX/XX/XXXX. When it didnt go through. They accepted {$150.00} cash deposit from her. That is the only time the chip wouldve been used on XX/XX/XXXX. XX/XX/XXXX is also when they started to try to pull {$340.00}. I wasnt aware until after I checked out on XXXX. I never authorized it. I showed proof to PayPal. Ive wasted so much time with no resolve. Its 6 months later and my checking account is still negative. I also sent them an email from the hotel admitting to charging my debit card as XXXX XXXX XXXX never showed back up with payment. After the XXXX I stopped speaking to her because of this charge. XXXX has refused to give me the money or pay the hotel. I have proof of everything including a XXXX timeline showing I was in XXXX XXXX. 
PayPal has connected me with the resolution center to have them close out the messages. Ive called and have been told Id get help. Get transferred to the resolution center. Told to open a message submit stuff. Then it closes. 
I want the {$340.00} put back in my account. Because of this, I had to pay {$140.00} in late fees for my other bills. {$140.00} that I desperately needed and was unnecessary as it wasnt my XXXX  charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : UXXXX 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 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NY

Complaint narrative:
I am struggling to pay this loan. It takes nearly {$400.00} every time I get paid and the fee surpasses anything that goes towards the principle. Most time I am paying less than {$100.00} towards the principle and everything else is the fee/interest associated with the loan. Because of this, my balance is already {$1000.00} over the actual amount owed to the loan. This is insane and makes it impossible to catch up. And even with any payment plan, they do not cease interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CBC Companies, Inc.
State: SC

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 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 2025-10-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Problem with a company 's investigation into an existing problem Companies Involved : Experian Information Solutions , Inc. ; Equifax Information Services, LLC ; TransUnion LLC Original CFPB Case Numbers ( Open ) : XXXX ( Equifax ) XXXX ( Experian ) XXXX ( TransUnion ) This complaint consolidates all three credit reporting agencies ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding their failure to investigate and correct fraudulent information related to identity theft on my credit reports. Each bureau has far exceeded the statutory deadlines established by federal law. 

I previously provided complete documentation to each, through my prior CFPB filings, including : An official FTC Identity Theft Report ; A copy of my governmentissued ID and proof of address ; and A list of fraudulent accounts and inquiries requiring deletion. 

Despite receipt of these materials, Experian, Equifax, and TransUnion have failed to block the identitytheftrelated data or conduct a reasonable reinvestigation within the allowed time. 

Violations of Federal Law FCRA Section 611 ( 15 U.S.C. 1681i ) : Each bureau was required to complete a reasonable reinvestigation within 30 days of receiving notice of a dispute and accompanying documentation. This period may extend to 45 days only if the consumer provides additional evidence during that window, which did not occur here. All three bureaus are well past the 30day limit.

FCRA Section 605B ( 15 U.S.C. 1681c2 ) : Each bureau must block reporting of information resulting from identity theft within four business days of receiving valid identitytheft documentation. None have complied with this fourday requirement, continuing to report fraudulent information.

FCRA Section 623 ( a ) ( 6 ) : Each bureau continues to publish information that they know, or reasonably should know, resulted from identity theft a breach of their obligation to ensure maximum accuracy and prevent continued harm to consumers.

15 U.S.C. 1681n Civil Liability for Willful Noncompliance : Their refusal to remove verifiably fraudulent entries after ample documentation may constitute willful violations, subject to civil penalties under federal law.

Pattern of Violations CFPB enforcement records show that the credit reporting agencies have been repeatedly cited for similar misconduct. Notably, CFPB v. Equifax ( 2025 ) confirmed failures to investigate, reinserting deleted inaccuracies, and withholding meaningful responses to consumers. CFPB findings also affirm that credit bureaus must delete disputed, unverifiable, or identitytheftrelated information per FCRA standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: OH

Complaint narrative:
My report is showing late payments even though the account has been paid in full.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-22 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: MD

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of certain information appearing on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), this letter serves as both a notice of dispute and a demand for compliance.

The following item ( s ) are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted immediately : XXXX Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information. Additionally, under 15 U.S.C. 1681o, any negligent failure to comply with the requirements of the FCRA makes your agency liable for actual damages, attorneys fees, and costs incurred as a result of noncompliance.

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 2025-10-22 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: MD

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of certain information appearing on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), this letter serves as both a notice of dispute and a demand for compliance. 

The following item ( s ) are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted immediately : XXXX Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information. Additionally, under 15 U.S.C. 1681o, any negligent failure to comply with the requirements of the FCRA makes your agency liable for actual damages, attorneys fees, and costs incurred as a result of noncompliance.

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
On XX/XX/year> I added money to my robinhood account, i bought XXXX and then sold it because I ended up realizing my bills were coming soon, so i tried to withdraw my money back to bank account and the restrccted my account, now i havent been able to get my money and I have been emailinf and calling over and over again and they had said by XX/XX/XXXX they would have an answer or update and not a single thing. So i called today and they said they dont know anything, Ive told them i need the money for bills, now im getting late fees on bills and its affecting me alot I just want my money that i worked for back thats it I did not realize this company would do that to me and its affecting me alot. The amount is {$1400.00} in that account. All im asking is for restriction to be lifted and me to be able to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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