vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I noticed that my credit was flagged as a late payment for 30 days and I took a XXXX point losss over a credit card that belongs to my spouse. I had no idea I was even still in this acct no went from exceptional credit to just good from this negative report for a card that isnt mine. It looks like I was added as an authorized user. I tried to have my husband request a one time removal since he has had this card for years and was never late. Instead the company just sent a nasty letter to him trying to explain how credit reporting works. This has severely impacted my credit and I am just asking for it to be removed. This card has never been late according to my husband when he was having trouble making the payment on the portal overseas. Not only that but my husband is a 100 % XXXX veteran whose credit was ruined simply because he couldnt log into an app one time and make a payment

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian Reporting Inaccurate Information and Unlawfully Removing My Credit History To Whom It May Concern, I am submitting a formal complaint regarding Experian for multiple serious violations concerning my credit report and personal credit data. These issues have caused significant harm to my credit standing and financial well-being.

1. Inaccurate and Inconsistent Credit Reporting Experian is currently reporting inaccurate account information on my credit file. One of my credit card accounts is listed with a balance of over {$1400.00}, and this amount is being reported inconsistently across XXXX and XXXX I believe this
information is either outdated or flat-out incorrect. This discrepancy is damaging and reflects negligence in Experians reporting practices. 
XXXX. Ignored Dispute & Failure to Investigate I have already disputed this information with Experian directly. Despite filing a dispute, Experian has failed to take corrective action, provide a proper investigation, or even respond with a reasonable explanation. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes thoroughly and correct inaccuracies within 30 days. 
3. Unauthorized Removal of My Credit History Since the beginning of this year, my entire credit history appears to have been wiped or removed from Experians system. I never authorized or requested this removal, nor have I frozen my credit. This action was taken without my knowledge or consent and has caused a substantial drop in my credit visibility and score. I believe this is unlawful and may constitute a breach of federal credit reporting laws.

Requested Resolution : I am formally requesting the following actions from Experian and oversight from the CFPB : Immediate correction of any inaccurate or inconsistent account data Full restoration of my credit history and all credit records removed without authorization A formal investigation into Experians mishandling of my credit file and dispute A full explanation and documentation of what actions were taken on my account and why If these issues are not resolved in a timely and satisfactory manner, I will be pursuing legal counsel to take further action under the Fair Credit Reporting Act ( FCRA ) and any other applicable consumer protection laws. 

I am providing this complaint to the Consumer Financial Protection Bureau ( CFPB ) to ensure this matter is taken seriously and resolved appropriately. 
Thank you for your time and attention to this issue. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX ] [ XXXX ] [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
i am on a time table. this reinstatement quote is only good until XX/XX/XXXX. 
what happened is that last month i was sent a reinstatement quote for XXXX. i was told it was XXXX then when it was sent it was XXXX said i was right that it was XXXX i requested the correct sent to me but told them i had issues with my email. still insisted on using email first. never got the reinstatemnet quote email so called back and asked for it to be sent by mail. i was told i needed to have the physical reinstatement quote when i made the payment. then envelope came in the mail in time to pay the quote but when i opened it there were only instructions on how to pay the quote. NO REINSTATEMENT QUOTE. i called them back and told them email was still not working so what do i do. i had no choice but to have a new reinstatement quote drawn up though i could have paid the previous one. got the new quote and it was almost XXXX dollars more. i can not pay that amount. i feel like i was roped into a new quote. i never imagined it to be that high. none of the others went up that much. i will have about XXXX by the end of the month. now since this quote is so much im in trouble. hoping to negotiate something considering i am literally only a XXXX dollars short of saving my home but told nothing they can do. said maybe contact lawyers doing the foreclosure but they told me to talk to the lender. i need help. i am XXXX old with XXXX XXXXXXXX failure and at risk of losing my home. ther must be somethign that can be done. i am only XXXX short. trying to fin dthe rest but hoping anything can be done. thank you. i am on a time limit. pleas help now. sorry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, that are inaccurate and are not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15 USC 1681 S2A, a furnitures must report accurate information under 15 USC 1681 I, the credit bureaus must preform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-08-21 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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.

I demand the removal of all fraudulent hard inquiries from my Equifax credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are : Unauthorized Inquiry ( 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 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 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 All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 2025-08-21 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Trident Asset Management is reporting a collection account originally from XXXX XXXX XXXX XXXXXXXX in the amount of XXXX. I previously disputed this account with the CFPB, but Trident has failed to provide the original signed purchase agreement with XXXXXXXX XXXX  account statements, or proof of legal assignment showing that the debt was transferred to them. 

Under the Fair Credit Reporting Act FCRA 15 USC 1681i and the Fair Debt Collection Practices Act FDCPA 15 USC 1692g, continuing to report an unverifiable debt is a violation of federal law. Trident can not legally continue to report this account without providing the original signed purchase agreement and full supporting documentation. 

Because Trident can not provide the required documentation, I am requesting that this account be deleted from all credit reports immediately. Deletion is the only acceptable resolution if the account can not be fully verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
I am challenging specific items that reference accounts not authorized by me. Please verify, investigate, and delete them. Documentation is included.

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 2025-08-21 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: NC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
IVE ATTACHED THE RESPOND TRANSUNION SENT ME IN THE MAIL AND IVE ATTACHED THE DISPUTE LETTER I SENT TRANSUNION CLEARLY THE ACCOUNT NAMES AND ACCOUNT NUMBERS ARE ON THE LETTER. THIS IS THE REQUESTED INFORMATION TRANSUNION IS ASKING ME FOR. ALL DISPUTED ACCOUNTS ARE NOW IN FCRA VIOLATIONS BY TRANSUNION UNLAWFUL, UNFAIR PRACTICE,

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 2025-08-21 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: VA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I am being held financially responsible for a deceptive career training program sold by XXXX ( also known as XXXX ). XXXX was recently the subject of a lawsuit filed by the Federal Trade Commission ( FTC ) for fraudulent and deceptive practices. Despite that, Monterey Financial is still enforcing payment contracts that were clearly tied to the same misconduct. 
I attempted to cancel my contracts with both XXXX and Monterey Financial, when I realized the program did not deliver on its promises. Monterey Financial has refused to cancel the debt or issue a refund, and continues collection efforts. They are fully aware of the XXXX lawsuit and still insist the contract is valid, sometimes citing new ownership or different management even though the business practices havent changed. 
I believe this violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection laws. I am being charged for a service I never received as promised, based on fraud. 
* I requested proof of the debt and cancellation. 
* I filed a formal dispute with Monterey Financial.

* I am now reporting this to the CFPB for investigation. 
What I want : * The contract cancelled. 
* A full refund of any payments made & possibly to have XXXX & Monterey Financial sued for a higher amount.

* Immediate cessation of all collection efforts and removal of any negative credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation