vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: REMAX

Complaint narrative:
XXXX Company : XXXX XXXX  XXXX XXXX : {$12000.00} I was charged this amount on this day for no reason at all. I paid the monthly rent without fail for 2 years on the property on XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I was surprised to know that I owed the company this much which I learned when I bought a house last year. In order to get a house to live in, I signed up for the XXXX XXXX  month payment thru XXXX XXXX  and planned to settle this with Remax Realty at a later time. I was tempted to go to court but I have no finances to battle this in court.

I honestly need your help to resolve/dissolve this tremendous debt Remax put into my account for no reason at all. As I said, I paid the monthly rent without fail even during the covid era just to fulfill my obligation. 
There was a glass side door that busted due to direct sun heat as it was facing the heat and they wanted me to fix them. 
The XXXX got busted for 3 months and my family was under a steamed heat as it was summertime for 3 months without going to court for this neglect. 
Instead, I was placed on {$12.00}, XXXX debt by this company. I am in dire need of your help as I don't think this is a form of persecution or discrimation of any sort. 
I have contacted the XXXX  last year and said they dont take care of this type of dispute. 
I am facing XXXX  and I dont believe I am able to pay this amount moving forward. I am a single parent my whole life to my XXXX kids, with a XXXX XXXX child being my XXXX. 
My XXXX is so heavy as I always have encountered this problem from the landlord every time I exit a rented property, even though I always leave the place XXXX and span. That s why I tried my best to own a house this time. 
However, I am not working full time now and will never be due to XXXX XXXX and attending to my XXXX XXXX XXXX XXXX XXXX boy. I am now XXXX XXXX XXXX and will have no time to recover financially because of the mere fact that I have been needing to stay home to take care of my XXXX XXXX child thank you much!!!

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 2025-07-04 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sold. 
Account Type. Debt Buyer Date Opened XX/XX/XXXX XXXX XXXX account. {$980.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$980.00} Balance Updated XX/XX/XXXX Paid Off 0 % Monthly Payment Past Due Amount {$980.00} Original Balance {$980.00} Terms 1 Month Responsibility Individual XXXX XXXX Original Creditor Company Sold Account Type Open Date Opened XX/XX/XXXX Open/Closed XXXX XXXX Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Individual Account Your StatemenXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Company Sold. 
Account Type Open Date Opened XXXX XXXX Status Status Updated XX/XX/XXXX Balance {$200.00} Balance Updated XXXX XXXX Paid Off 0 % Monthly Payment Past Due Amount Original Balance {$200.00} Terms Responsibility Your Statement :

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 2025-07-04 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-03 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 extremely concerned about a hard inquiry listed on my credit report that I did not authorize. I do not recognize the company responsible for this inquiry and did not initiate any credit applications at the time it was recorded.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank NA and or Home Depot needs to be removed off my credit report because it was paid. I had hired The XXXX XXXX XXXX XXXX. Claims Processing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and they filed bankruptcy after I paid them to fix my credit. However, Citibank sued me, and I made payments to XXXX XXXX XXXX of which I paid {$77.00} monthly, and I made my final payments in XX/XX/XXXX2025 of which it should be off my credit report in 30 days. I disputed it with XXXX, and it is off my account. I disputed it with XXXX  and XXXX  refused to take it off my account. I tried to dispute it with XXXX  online and their online service was not working. I need Citibank and or Home Depot Credit Card to be removed from my credit report. 
Additionally, they are placing what I paid off under different accounts fraudulently as THD/CBNA and XXXX XXXX XXXX XXXX account ending in 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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Bank-related billing and reporting errors are negatively affecting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are obligated to accurately apply payments and reflect correct account information. However, my payments were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not given the required 21-day advance notice before a payment was due, rendering any late payment notations invalid.

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 2025-07-03 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code 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 TILA XXXX Code XXXX 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 ( XXXX ) 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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverified information that Experian is continuing to report on my credit report. 

The account in question is being reported by XXXX XXXX XXXX. I have formally requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). As of today, I have not received any legal documentation verifying this debt, including the original contract, itemized billing, or proof of assignment. 

Despite this, Experian continues to allow this unvalidated debt to appear on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I request that this account be immediately removed from my credit report due to the lack of validation from the data furnisher. A copy of my debt validation request has been mailed to XXXX XXXX XXXX. 

Thank you for your attention to this matter. I ask that Experian comply with federal consumer protection laws and correct my report accordingly.

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 2025-07-04 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: AZ

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

1681c-2 ) that you, the Equifax Information 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 : XXXX XXXX XXXX CT XXXX AZ XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$890.00XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
In XX/XX/XXXX, Santander XXXX USA altered the historical payment history of an auto loan that was closed in XXXX following a voluntary surrender. 

In the documentation attached, you will find proof ( via XXXX XXXX and my most recent, accessible credit report from Equifax ) that Santander XXXX USA has retroactively reported 30-day late payment, voluntarily surrendered, and charged-off statuses years after the loan was closed. These changes caused a XXXX drop in my XXXX score and a XXXX drop with XXXX. The balance and delinquency data being reported are not accurate and were not present in earlier credit reports. 

The loan was opened in XX/XX/XXXX and surrendered in XX/XX/XXXX. My last payment was made in XX/XX/XXXX. Santander is now reporting the last payment as XX/XX/XXXX, which is false. The account has already been closed and charged off. 

I have already disputed this information with the credit bureaus, but Santander continues to provide incorrect data. This inaccurate reporting is harming my credit standing and may violate the Fair Credit Reporting Act. 

Here is a brief timeline of events surrounding the life of the loan : Loan Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Vehicle Voluntarily Surrendered : XX/XX/XXXX Account Charged Off : XX/XX/XXXX ( original charge-off date ) Retroactive Payment History Changes Reported : XX/XX/XXXX ( Santander updated XXXX  and XXXX  payment history going back to XXXX ) XXXX XXXX Drops After Changes : Equifax : XXXX points ( late XX/XX/XXXX ) XXXX  : XXXX points ( late XX/XX/XXXX ) I have already tried correcting this matter with the assistance of all XXXX major credit bureaus ( XXXX, XXXX XXXX XXXX However, Santander XXXX  USA continues to report inaccurate information after those disputes were settled. I currently have another dispute open with all XXXX  bureaus. 


I am requesting the CFPBs assistance in having Santander correct or remove the inaccurate payment history, balance, and dates reported to the credit bureaus. This issue is causing ongoing harm and must be resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/year> at XXXX, I received a call from the creditor attempting to collect for XXXX XXXX. The young lady asked me to setup a plan, and I nicely asked if they could send me a letter with the amount and where to pay. She continued to threaten that this would be placed on my credit report, although it already is. I politely stated I would setup a payment plan once I received the notice because I just paid off my vehicle. Her response was, well you should have plenty of money to pay since you no longer have a car payment. That was extremely rude. My financial status is not the best. But, I am making adjustments to get my creditors paid upon receipt of notices validating the debt. I was so in awe, I politely disconnected the call so I am not being verbally abused for XXXX XXXX Additionally, if I would have received a notice, I would have most certainly disputed this debt as the loan I had was no where remotely near XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : US 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 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 XXXX XXXX XX/XX/XXXX. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unjust Account Closure and Forfeiture of Rewards Points by Capital One Dear CFPB, I am writing to file a complaint regarding Capital Ones recent closure of my credit card account and the forfeiture of my rewards points without due process or clear explanation. 

When I logged in to my Capital One account recently, I saw a message stating that my account was " restricted. '' Soon after, I received a letter from Capital One notifying me that my account had been closed due to " activity that is inconsistent with typical customer account usage. '' I suspect this may be related to a returned paymentmy first everwhich I promptly resolved.

I called Capital One for clarification, but both representatives I spoke with refused to provide any specific details and simply reiterated that the account was closed. What is most concerning is that I had XXXX XXXX points XXXX in my account, and both agents confirmed that these points are now forfeited. 

At a conservative estimate of XXXX cents per point, this equates to XXXX  {$6400.00} XXXX in lost value. I view this as an unjust and disproportionate penaltytantamount to financial theftespecially considering that I have never previously had any payment issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
Inaccurate Late Payment Reporting FCRA Violation I am filing a formal complaint regarding inaccurate and inconsistent reporting on my credit file. 
A late payment has been reported by XXXXXXXX XXXX on my account XXXX, dated XX/XX/year> in my Experian and Equifax report. 
Under the Fair Credit Reporting Act ( FCRA ), Sections 607 ( b ) and 611 ( a ), credit reporting agencies and furnishers are required to report information that is complete and accurate across all platforms. The inconsistency between bureaus raises serious concerns about the accuracy and legitimacy of this late payment.

I respectfully request to investigate this matter and ensure this information is either verified with proper documentation or removed immediately from all reporting agencies.

Attached : - A copy of my government-issued ID and SSN.

- Proof of my current address.

Company response to consumer: Closed with non-monetary relief