vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: AR

Complaint narrative:
On XX/XX/XXXX, I booked a round trip flight and purchased the XXXX XXXX XXXX  from XXXX XXXX using my Barclays Credit Card. After the flight was booked, XXXX changed their flight schedule which included a significant layover, so I reached out on XX/XX/XXXX to reschedule the flight or obtain a refund. I was told I could receive a full refund if I cancelled my membership, which I opted to do ( I have the chat correspondence to prove this ). When I received the refund it was less the {$99.00} XXXX XXXX Membership Fee. I disputed the transaction with the XXXX XXXX Representative and was told there was nothing they could do in spite of the miscommunication provided by the XXXX XXXX Representative. I disputed the charge through my credit card company, Barclays, and after several months of back and forth, Barclays told me on XX/XX/XXXX there was nothing they could do because the membership was non refundable according to the XXXX cancellation policy. I shared the chat correspondence where I was misinformed but it did not change anything. I believe XXXX and/or Barclays owes me {$99.00} at least due to extreme inconvenience this has caused. Honestly they should probably pay at least {$1000.00} due to the headache and time involved in trying to resolve this dispute. XXXX changed my flight after booking, told me I could get a full refund, did not honor their word, and Barclays did not hold them accountable in spite of the chat correspondence provided. I'm hoping there's something CFPB can do to assist. I have tried to let this go over the previous months/years because I didn't think there was anything else I could do, but I recently thought that perhaps it's not too late for the CFPB to advocate on my behalf. Thank you very much for your time and consideration.

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 2025-07-25 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: KY

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am writing to EQUIFAX INFORMATION SERVICES LLC to formally redispute the accuracy, completeness, and verifiability of certain information being reported in my credit file. Under the FAIR CREDIT REPORTING ACT ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), 1681e ( b ), and 1681c-2, EQUIFAX is legally mandated to conduct a thorough and good-faith reinvestigation when a consumer notifies them of disputed information. EQUIFAXs continued reporting of inaccurate, obsolete, or unverifiable data, despite prior disputes and supporting documentation, constitutes non-compliance with these statutory obligations and demonstrates a reckless disregard for my consumer rights.

EQUIFAX is further violating its duty under 15 U.S.C. 1681e ( b ) to maintain reasonable procedures to ensure maximum possible accuracy of information. The failure to conduct a lawful reinvestigation, or to provide a detailed Method of Verification as required by 1681i ( a ) ( 6 ) ( B ) ( iii ), exposes EQUIFAX to liability under 15 U.S.C. 1681n ( willful non-compliance ) and 1681o ( negligent non-compliance ). Furthermore, by allowing the continuation of inaccurate data reporting without lawful justification, EQUIFAX is engaging in Unfair and Deceptive Acts or Practices ( UDAP ) under Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) and is in violation of the Consumer Financial
Protection Act ( 12 U.S.C. 5536 ). These violations have been subject to federal regulatory actions and civil litigation against EQUIFAX in the past, which further establishes the seriousness of this complaint.

By continuing to furnish information that is inaccurate, unverifiable, or lacks a permissible purpose under 15 U.S.C. 1681b, EQUIFAX is willfully infringing on my rights under federal law. I have provided supporting documentation to substantiate my claims, and I demand a full explanation of your investigation procedures, including disclosure of the entities contacted during the reinvestigation. EQUIFAXs pattern of non-compliance has caused harm to my consumer rights and exposes the agency to legal liability for damages, attorneys fees, and punitive damages as stipulated under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am submitting a complaint against LVNV Funding LLC for inaccurate and potentially unlawful reporting of a debt collection account on my XXXX  credit report. 

The account ( ending in XXXX ) shows an original and current balance of {$470.00}, with an assignment date of XX/XX/year>, but no information on the original creditor or account age is provided. This account was not incurred with LVNV Funding, which is a known debt buyer. I have already disputed this item with XXXX, as shown in the report. 

I receive XXXX and XXXX, meaning I am legally judgment-proof and exempt from collection under both state and federal law. Continuing to report this debt serves no purpose other than to cause undue harm and distress. It also limits my access to housing, insurance, and affordable credit, even though LVNV has no legal right to collect.

Legal Concerns : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing information known to be inaccurate FCRA 1681e ( b ) requires furnishers to maintain reasonable procedures to assure accuracy FDCPA 807 prohibits misleading or unfair reporting that can deceive consumers or third parties FDCPA 805 ( b ) restricts communications that cause harm to vulnerable consumers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: KY

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-25 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: KY

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$63.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Opened : XX/XX/XXXX, Balance : {$100.00} XXXX   XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-25 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$9100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have 2 credit cards that were closed in XX/XX/year> and since I have been charged excessive fees {$150.00} on one card and {$140.00} on another card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Within the past 7 years I was offered several cards with lines of credit for various reasons. I was approved for Care Credit which was used to pay for medical expenses. I was approved for a XXXX card for building expenses. I was approved for a Rooms To Go card to purchase furniture. I also had an XXXX XXXX XXXX. I was approved for all of these cards in some cases knowingly in most not knowing they are managed by Synchrony Bank. 

I ended up with multiple cards through the same company. Approximately two years ago for unknown reason my Rooms to Go card was closed and I paid it off in full. I had not missed a payment. 

This next part is what has happened in a cascade that has destroyed my credit all because synchrony banks app will put all your accounts in one place but will not apply autopay to all the accounts uniformly. I missed changing my autopay info on one account which triggered the account to be closed with an explanation of too many dishonored payments. It was a single payment that I paid as soon as I was informed. 

Due to this account closing every other account closed one after another each month another account would be closed for the same reason. As soon as I would get my credit score to move upward again Synchrony would hit me with another account closure. 

I understand that I have agreed to their terms and it is well within their rights to close my account for any reason. However, I do not believe a single entity should have the ability to offer this many store credit cards. This gives Synchrony an incredible amount of power that is entirely unfair to the consumer. 

My current payment history on XXXX XXXX shows a 98 % on time payment history. I pay my bills on time. My usage at this time pay be higher but the economy is not so great and Ive had to my credit cards more often. However, I was not asking for more credit and I was paying Synchrony Bank by the terms set in their agreements. 

I am asking that someone please look into these practices. A citizen doesnt stand a chance against these mega banks and the only fair opponent would be the federal government. I am not alone and this is happening to probably millions of Americans each year and its not right. I would be happy to provide more information if this has a chance to be looked into further. 

Thank you for your consideration.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-07-25 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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