vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I am filing this complaint because Capital One is refusing to offer a reasonable payment arrangement that would allow me to bring my account current after a temporary financial hardship. I fell behind and missed two payments, but I contacted Capital One immediately to resolve the issue and requested a hardship plan or re-age so I could get the account back on track.

Despite having steady income and being fully willing to pay, Capital One is only offering an option that requires an extremely large past-due payment upfront. This is not financially possible and does not align with the reasonable assistance other card issuers provide through their hardship, recovery, or re-age programs. 

I am simply requesting a fair payment plan that would : Bring the account current without requiring the full past-due amount upfront Allow me to pay off the balance in a structured payment arrangement Stop the cycle of delinquency that will continue if no reasonable option is provided I am not refusing to pay ; I am trying to avoid further damage to my credit by resolving this responsibly. Capital Ones refusal to offer a manageable solution leaves me with no path forward except this complaint. I am requesting that Capital One review my account, provide a reasonable hardship arrangement, and allow me to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. Late accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis : 1.15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. Legal Precedent : In XXXX XXXX. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors 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 explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. Late accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis : 1.15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. Legal Precedent : In XXXX XXXX. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am filing this complaint against Santander XXXX USA for false and inaccurate credit reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as well as improper fee assessment and payoff misapplication.

My auto loan account with Santander was paid in full on XX/XX/year>. Santanders own internal transaction ledger confirms that on XX/XX/year>, a payment of {$800.00} reduced the remaining balance to {$280.00}. On XX/XX/year>, the remaining principal balance of {$280.00} was paid in full along with associated miscellaneous fees. The account balance reached XXXX in XX/XX/year>, and the loan was closed. 
In addition to Santanders internal records, I have independent third-party bank proof showing a debit of {$400.00} processed to Santander on XX/XX/year>, which corresponds exactly to the final payoff amount reflected on Santanders ledger. There is no factual or legal basis for reporting this account as delinquent for XX/XX/year>. 
Despite this, Santander has furnished false information indicating a late or delinquent payment for XX/XX/year>. This is impossible because the account was fully paid within that same reporting cycle. Continued reporting of a XXXX late payment constitutes false furnishing under 15 U.S.C. 1681s-2 ( a ) ( 1 ).

In addition, Santander improperly assessed a {$40.00} late fee on XX/XX/year>, despite the fact that the contractual monthly payment was made and posted for that billing cycle. There is no corresponding 30-day default reflected on the account to justify that charge. 
Santanders ledger also shows inconsistent fee posting at the time of payoff in XX/XX/year>, where duplicate fee transactions were applied separately instead of as a single consolidated payoff. This mirror posting created an artificial residual balance display and appears to have triggered downstream false delinquency reporting. 
I have already disputed this matter directly with Santander and through the credit bureaus. Santander has actual knowledge of these inaccuracies and continues to furnish false information. 
This inaccurate reporting is materially damaging my credit profile and is interfering with active business financing, including XXXX lending for a regulated funeral services business. This constitutes actual financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Hatfield, Inc.
State: IA

Complaint narrative:
Grid XXXX app literally won't let me repay my advance. It's got a linked bank account from XXXX that is now closed. Everytime I attempt to update to my new bank it's wants to verify 3 different recent transactions that it'll never find because the account is permanently closed. When I try to pay my advance by debit card it tells me to enter the debit card associated with my bank account. I have literally no way to repay this cause I can't update my bank OR use a different debit card other than my bank and all Grid does is send me stupid instructions to change my bank and not listen when I tell them the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PLANET HOME LENDING, LLC
State: CT

Complaint narrative:
Planet Home Lending mishandled my FHA mortgage from the very beginning. At closing, I was given conflicting disclosures, charged inflated and improper fees, and told information that contradicted federal rules. I brought about {$33000.00} cash to closing, but I received no equity benefit, and the loan was structured at an artificially high LTV. My closing documents were altered, and the attorney charging inflated fees was also acting as a trustee for the servicer, which raises serious RESPA concerns. 

Planet then misused a HUD Partial Claim that was supposed to cure arrears. They never reset my loan to current, never adjusted my principal correctly ( it should be around {$310000.00} ), and continued reporting me late even though HUD had already paid the arrears. After that, they attempted to add a second Partial Claim, stacking about {$60000.00} in liens and creating negative equity in my home. 

Planet also inflated my escrow by thousands of dollars per year, charged double the actual insurance cost, and created a fake escrow shortage of more than {$3300.00}. They held my payments in suspense/unapplied accounts, then reported me as 108 days delinquent even though they were the ones failing to apply funds properly. 

During active hardship and loss-mitigation review, Planet continued to report 30/60/90/120/180-day lates, which is illegal dual tracking. They offered a trial plan that did not fix principal, escrow, or delinquency it was not a legitimate modification. 

Planet also furnished false credit information, reporting three different balances ( including an inflated ~ $ XXXX to XXXX ), even though the correct FHA balance should be much lower. A representative also made a harassing comment during a loss-mit call XXXX 

Now Planet claims I owe {$31000.00}, but this amount appears to be entirely manufactured through their own errors : interest on HUD-paid arrears, inflated escrow, and delinquency they created through misapplication of payments. 

Overall, Planets actions have damaged my credit, stripped my equity, increased my loan balance unlawfully, and placed me at risk of foreclosure despite my active participation in hardship and HUD assistance programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: 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
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/2025, late at night I attempted an on-line purchase of some gloves in the amount of {$43.00}, using my Apple Card from Goldman Sachs XXXX My statement says the merchant was called " XXXX, '' located in XXXX XXXX. 

The next morning, I received XXXX " fraud alerts '' from Goldman, questioning XXXX charges made within a minute of each other. The first fraudulent charge was for {$350.00} for an unknown item. The second fraudulent charge was for {$390.00} also for an unknown item. I immediately contested both charges as unknown, unauthorized, and fraudulent by reporting them on my phone, and then by calling Goldman. 

Goldman " accepted '' the dispute as to the {$350.00} charge, but has refused to accept my dispute as to the {$390.00} charge, without explanation. I have attempted to dispute this charge 6-7 times now, all with the same result. Each time, Goldman SAYS they will email me so that I can respond with evidence regarding the dispute. However, no email is ever received and I have not ever been given the opportunity to submit any evidence. Instead, Goldman simply continues to refuse the dispute each time, always with zero explanation or evidence that this was somehow not a fraudulent charge ( which of course it is ). 

I have reported the fraudulent charge to the police, and have a police report that I would like to submit. I have also reviewed the " evidence file '' provided by Goldman as to the {$390.00} charge, and can report that it shows a location ( XXXX ) I haven't been in or near in over a decade. It also reports a name and email address that are not mine and are not recognized. The charge was apparently for some kind of " dashcam '' -- I do not own a dashcam, have never ordered or attempted to purchase a dashcam, and have never received any dashcam. 

Lastly, I never received the gloves from the original order for {$43.00}. When I contested this charge, the merchant immediately reversed the charge without explanation. I believe that it was this attempted purchase that allowed someone to steal my credit card information, which was then used for the XXXX fraudulent purchases. 

I have no idea why Goldman " accepted '' my challenge to the {$350.00} charge, but refuses to do so for the {$390.00} charge. BOTH charges were fraudulent -- not known or authorized by me. I want the {$390.00} charge permanently removed from my account. 

Unredacted versions of the documents attached can be provided upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX for failing to ensure the accuracy of my credit report. XXXX  is reporting a XXXX XXXX XXXX collection account allegedly originated from XXXX XXXX XXXX, with a balance of {$3000.00}, account number XXXX, opened XX/XX/year>, and currently showing as past due. This information is being reported without proof that the account is accurate, complete, or legally mine, which violates FCRA 602 ( A ), 607 ( B ), and 611. 

Despite my written dispute and request for proper reinvestigation as required by federal law, XXXX continues to report this unverifiable and inaccurate accountdamaging my credit reputation. They have failed to provide any validation or documentation from the furnisher to establish ownership or liability for this debt, which means the account must be removed immediately to maintain compliance with the FCRA.

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 2025-12-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this follow-up regarding multiple inaccuracies that continue to appear on my Equifax, Experian, and TransUnion credit reports. Upon careful review, I have identified several errors involving both my personal identifying information and the reporting of my accounts. These inaccuracies continue to misrepresent my credit history and create a misleading impression of my financial behavior, which can adversely affect my ability to obtain credit under fair and accurate terms. Specific accounts with inaccuracies include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {>= $1,000,000} ; Date of Last Activity : XX/XX/XXXX ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX ; reported late payments of 30 days in July 2025, 60 days in XX/XX/XXXX, and 90 days in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7300.00} ; Date of Last Activity : XX/XX/XXXX ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3900.00} ; Date of Last Activity : XX/XX/XXXX ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3500.00} ; Date of Last Activity : XX/XX/XXXX ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2400.00} ; Date of Last Activity : XX/XX/XXXX ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX. These errors violate the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ), which require that all reported information be accurate, complete, and verifiable.

Company response to consumer: Closed with non-monetary relief