vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
In XX/XX/scrub> 2025, I attempted to request a goodwill adjustment from Barclays regarding a closed credit card account that is paid in full. The negative payment history on the account is reporting correctly, and I am not disputing its accuracy. My request was solely for a goodwill review due to temporary financial hardship at the time the late payments occurred. 

The XXXX credit bureaus previously verified the reporting with Barclays. After receiving the verification, on XX/XX/year>2025, I sent a detailed goodwill request to Barclays through their credit reporting fax number. I have not received any response, acknowledgment, or explanation from the company. 

I am requesting assistance in having Barclays review my goodwill request and provide a response. I am not disputing the accountonly asking that the company consider a goodwill adjustment on a closed, paid account in light of my improved payment history and financial stability.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just pulled my reports again and notice that the accounts I reported are still reflecting on my report and this is against Consumer Reporting Act already. I want these accounts permanently Deleted on my report within XXXX Business Days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I notified Equifax that the mission lane and XXXX XXXX XXXX accounts listed on my credit report were the result of identity theft and provided them with a police report and an identity theft report but they did not block them in the four business days as required by law and instead treated it as a credit dispute This is not a dispute It is a request to block these accounts from my credit report as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 have identity theft for a long time on my three ( 3 ) report.and i ask for help to remove them but help from them & it's affecting my report badly.Things on EQUIFAX : XXXX XXXX  ( XXXX ) XXXX/ XXXX  : / ( XXXX ) XXXX XXXX XXXX. : / Transunion : XXXX. : XXXX ; XXXX : XXXX ; XXXX  ( XXXX ) / XXXX XXXX EXPERIAN : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Alorica Inc.
State: GA

Complaint narrative:
I am attempting to resolve a charged-off personal loan that was originally serviced by XXXX and then transferred to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ). I recently contacted XXXX to make a settlement offer for less than the full balance, which is standard for charged-off accounts. I have funds available and am trying to resolve the debt in good faith. 

However, XXXX informed me that the account is in transfer and that they can not accept any settlement amount unless it is the full balance. When I asked who the account is being transferred or assigned to, the representatives repeatedly stated that they do not know and can not provide any information, including the name of the new owner, the effective transfer date, or where written notice will be sent. I was told only to call back in XXXX  days, with no details or timeline. 

Because XXXX refuses to identify the new creditor or collector, I can not proceed with a settlement. This has prevented me from resolving the debt even though I am prepared to settle immediately once I know who has legal ownership. Their refusal to provide basic information leaves me unable to exercise my rights. 

SST is preventing me from exercising my rights under the FDCPA and FCRA to know who currently owns or will own my debt. They are not providing information about the transfer, the new debt owner, or the required written notice. Their lack of transparency is creating unnecessary delays, blocking me from resolving the account, and causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is furnishing inaccurate, contradictory, incomplete, and re-aged information to XXXX XXXX and TransUnion. Their reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

-- -- -- -- -- -- SUMMARY OF FCRA VIOLATIONS 1. False Last Payment Date ( Major FCRA Violation ) XXXX is reporting a Last Payment Date of XX/XX/XXXX, even though : The account was charged off in early XXXX, and It was closed in XX/XX/XXXX ( as shown in the TransUnion report ) This is impossible and is considered illegal re-aging, prohibited under : FCRA 623 ( a ) ( 5 ) Duty to report accurate Date of First Delinquency FCRA 605 ( c ) No re-aging or extending reporting periods Regulation V 660.4 Accurate furnishing requirements 2. Ongoing Rolling Charge-Offs ( Repeat Illegal Reporting ) The account shows CO ( charge-off ) every single month for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX across all three bureaus. 

A charge-off can only occur once, not monthly. 

This violates : FCRA 602 ( A ) Reasonable procedures to assure maximum possible accuracy FCRA 623 ( a ) ( 2 ) Duty to correct and update inaccurate information 3. Balance & Past-Due Amounts Are Inconsistent Across Bureaus XXXX : {$13000.00} XXXX : {$13000.00} / {$13000.00} ( changes ) TransUnion : {$13000.00} Balances must match exactly if reported. 
This violates : FCRA 623 ( a ) ( 1 ) Furnishing inaccurate information 4. High Balance Updated Years After Account Closure XXXX and XXXX  both update high balance information in XXXX, even though the account was closed in XXXX. 

This violates : FCRA 623 ( a ) ( 2 ) Duty to update XXXX XXXX guidelines No updates after charge-off unless consumer makes payments 5. Inconsistent Payment History and Missing DOFD The Date of First Delinquency ( DOFD ) is not properly reported. 

This is required under : FCRA 623 ( a ) ( 5 ) Mandatory DOFD furnishing to CRAs Failure to correctly report DOFD allows illegal re-aging.

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 2025-11-27 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 am submitting this complaint because XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) is furnishing inaccurate, contradictory, incomplete, and re-aged information to XXXX, Equifax, and XXXXXXXX Their reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

-- -- -- -- -- -- SUMMARY OF FCRA VIOLATIONS 1. False Last Payment Date ( Major FCRA Violation ) XXXX is reporting a Last Payment Date of XX/XX/XXXX, even though : The account was charged off in early XXXX, and It was closed in XX/XX/XXXX ( as shown in the XXXX report ) This is impossible and is considered illegal re-aging, prohibited under : FCRA 623 ( a ) ( 5 ) Duty to report accurate Date of First Delinquency FCRA 605 ( c ) No re-aging or extending reporting periods Regulation V 660.4 Accurate furnishing requirements 2. Ongoing Rolling Charge-Offs ( Repeat Illegal Reporting ) The account shows CO ( charge-off ) every single month for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX across all three bureaus. 

A charge-off can only occur once, not monthly. 

This violates : FCRA 602 ( A ) Reasonable procedures to assure maximum possible accuracy FCRA 623 ( a ) ( 2 ) Duty to correct and update inaccurate information 3. Balance & Past-Due Amounts Are Inconsistent Across Bureaus XXXX : {$13000.00} Equifax : {$13000.00} / {$13000.00} ( changes ) XXXX : {$13000.00} Balances must match exactly if reported. 
This violates : FCRA 623 ( a ) ( 1 ) Furnishing inaccurate information 4. High Balance Updated Years After Account Closure XXXX and Equifax both update high balance information in XXXX, even though the account was closed in XXXX. 

This violates : FCRA 623 ( a ) ( 2 ) Duty to update XXXX XXXX guidelines No updates after charge-off unless consumer makes payments 5. Inconsistent Payment History and Missing DOFD The Date of First Delinquency ( DOFD ) is not properly reported. 

This is required under : FCRA 623 ( a ) ( 5 ) Mandatory DOFD furnishing to CRAs Failure to correctly report DOFD allows illegal re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
I submitted a formal dispute letter to Experian on XXXX XXXX, 2025, regarding multiple inaccurate late payment entries reported on my credit file. 
Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 
XXXX and XXXX ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK 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 2025-11-27 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: NV

Complaint narrative:
I am submitting this complaint because my credit reports contain multiple conflicting, inaccurate, and improperly maintained entries across several accounts, and after reviewing every bureaus version, it has become clear that each credit reporting agency is reporting different timelines, statuses, and dates for the exact same accounts, causing significant harm to my credit profile and violating the standards set forth under the Fair Credit Reporting Act ( FCRA ). My XXXX XXXX  account ending XXXX * * * * * * with a balance of {$7100.00} is reported by Experian as XXXX days late with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, while Equifax lists that same account as being in good standing, yet TransUnion reports a completely different Date of Last Activity of XX/XX/XXXX, also reported on XX/XX/XXXX, making the account appear delinquent in XXXX places and positive in another. My XXXX XXXX  account ending XXXX shows XXXX different delinquency stories : Experian reports a XXXX late tied to a XX/XX/XXXX activity date reported XX/XX/XXXX ; Equifax lists a XXXX XXXX from XX/XX/XXXX reported XX/XX/XXXX ; and TransUnion claims a XXXX late with XXXX Date of Last Activity on XX/XX/XXXX, reported the same dayresulting in XXXX incompatible histories for the same account. My XXXX XXXX account ending XXXX * * * * * * * * * * also reflects conflicting and inaccurate reporting, as Experian lists a XXXX late from XX/XX/XXXX reported on XX/XX/XXXX despite Equifax showing XXXX account in good standing, while TransUnion shows XXXX completely different Date of Last Activity of XX/XX/XXXX yet still marks it latemaking the account appear delinquent only in certain bureaus. Finally, XXXX XXXX XXXX XXXX account ending XXXX * * * * * * * * * * * repeats the pattern of contradictory, inaccurate reporting : Experian reports a XXXX late tied to a XX/XX/XXXX activity date reported XX/XX/XXXX, while TransUnion shows its own conflicting Date of Last Activity of XX/XX/XXXX, also claiming a XXXX late, even though Equifax reports the account XXXX no delinquency whatsoever. These multi-bureau inconsistencies across all accounts can not coexist as accurate, and they indicate failures in proper updates, corrections, and reinvestigation obligations under FCRA XXXX ( a ) ( XXXX ), XXXX ( b ), and XXXX. These errors create the false impression that I have multiple delinquencies that do not exist consistently across reports and therefore appear to be the result of inaccurate reporting rather than true payment behavior.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing a complaint about several inaccurate and conflicting accounts on my XXXX  report. Multiple furnishers are reporting dates, balances, and statuses that do not match or are impossible under FCRA rules. 

The XXXX XXXX XXXX charged off account was charged off in XXXX but shows a past due amount as of XXXX. A charge off can not continue updating past due balances years later. It also reports written off and past due at the same time, which is contradictory. 

The XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX charge offs all show conflicting dates, balances, and status updates. Some of these accounts are older than the allowed reporting period. 

Portfolio Recovery Associates is reporting inconsistent dates and unverifiable information. 

XXXX XXXX XXXX XXXX did not update the paid collection accurately and shows inconsistent status information. 

I disputed these items with XXXX, but XXXX  marked them as verified without correcting the inaccurate and conflicting reporting. I request a full investigation and correction or deletion of any accounts that can not be fully verified with original records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal dispute regarding inaccurate information appearing on my credit report. The specific issue is that the account with Capital One, ending in XXXX, was settled and paid in full, as confirmed by the attached documentation. However, this account may still be reported with an outstanding balance or a status that does not accurately reflect " Paid in Full. '' This discrepancy constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that Consumer Reporting Agencies ( CRAs ) follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer.

Furthermore, I request an investigation into the potential improper use of my credit report. I have noticed credit inquiries from sources with which I do not recall applying for credit or with whom I do not have a permissible purpose. The FCRA, 15 U.S.C. 1681b, strictly stipulates the " permissible purposes '' for which a consumer 's credit report may be accessed. Any access to or obtaining of my report for purposes not authorized by law is a serious violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and XXXX XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-11-27 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: NV

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report. 
Despite my previous letter with your bureau, these inquiries remain on my credit file. I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. 
This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, 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 2025-11-27 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. CXX/XX/XXXXe XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, 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