vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within XXXX  days : 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 XXXX XXXX XXXX XXXX, XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX XXXX XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$58.00} Inquiries XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within XXXX  days : 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 XXXX XXXX XXXX XXXX, XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX XXXX XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$58.00} Inquiries XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
Between XXXX and XXXX, XXXX reported my XXXX XXXX XXXX XXXX as delinquent during multiple time periods that were later covered by retroactive deferments and forbearances. These were officially granted and should have resolved or prevented the reported delinquencies. However, the account remained marked as past due and continued to age negatively. 

For example : A forbearance was granted on XX/XX/XXXX, covering XX/XX/XXXX to XX/XX/XXXX, but delinquencies for those dates were still reported. 
Another retroactive deferment was granted on XX/XX/XXXX for XX/XX/XXXX to XX/XX/XXXX, yet negative marks remained. 
This pattern repeated in later years ( e.g., in XXXX, XXXX, XXXX ), despite multiple deferments and forbearances covering the periods in question. 

These retroactive adjustments should have corrected the delinquent reporting under the FCRA. I believe this constitutes inaccurate reporting and request a formal reinvestigation into the reported late payments between XXXX and XXXX, as well as correction or deletion of any tradelines that remain inaccurate. 

I have documentation and the full payment/deferment history available. 

1. Incorrect Late Payment Reporting ( XX/XX/XXXX XX/XX/XXXX ) : Late payments were reported to credit bureaus even though a retroactive forbearance was granted on XX/XX/XXXX, covering XX/XX/XXXX to XX/XX/XXXX. These delinquencies should not appear on my credit report. 
2. Inaccurate Delinquency During Covered Period ( XX/XX/XXXX XX/XX/XXXX ) : Despite a retroactive forbearance granted on XX/XX/XXXX for the period XX/XX/XXXX to XX/XX/XXXX, multiple late payments ( 30 to 150 days ) were reported. These are inaccurate and should be removed. 
3. Long-Term Default Reporting Despite Payments ( XXXX XXXX ) : Default and 180+ day delinquency reporting continued after hardship periods and while small payments were being made and applied retroactively starting in XXXX. This may reflect incomplete or misleading reporting. 

I am requesting : Immediate reinvestigation and correction of all inaccurately reported delinquencies that occurred during approved forbearance or deferment periods. 
Removal of negative credit reporting for any periods that were later covered by retroactive hardship status. 
An updated account history and correction across all credit bureaus.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently became aware of fraudulent accounts on my credit report due to a data breach.

Under 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked and removed within 4 days : Please delete and block the following accounts from my credit report Accounts BANKCRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} BANKCRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: I.C. System, Inc.
State: MO

Complaint narrative:
ACCOUNT : XXXX XXXX USPS Tracking Number XXXX XXXX I am filing this formal complaint against a company that is currently furnishing information to the credit reporting agencies regarding an alleged debt associated with my name and credit profile. I previously submitted a written request to this company demanding validation of the debt, including : A copy of the original contract bearing my signature Documentation establishing the chain of custody or assignment Any purchase agreement related to the alleged debt As of todays date, the company has failed to respond to my request. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( b ), I have the right to dispute the validity of a debt and to request proper documentation. Until the debt is validated, all collection activity and credit reporting must cease.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, furnishers of credit information are required to provide accurate and verifiable data to the credit bureaus. Reporting a debt without providing supporting documentation upon request is a violation of federal law and causes unjust damage to my credit profile.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I returned an equipment belonging to XXXX XXXX XXXX via XXXX on the XXXX of XX/XX/year>, when I got a charge from AT & T for not returning the equipment I called them and provided the receipt number which they verified and assured me the problem would be resolved only for me to get phone calls from a collection agency named Credence Resource mana located in Texas, I have provided both the collection Agency and XXXX XXXX XXXX with my receipt for equipment returned but I continue to have the collection account on my credit report, this has negatively impacted my finances and well being and I this collection removed from account and compensation for the negative impact on my finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NCB Management Services Inc.
State: MO

Complaint narrative:
ACCOUNT : XXXX  I am filing this formal complaint against a company that is currently furnishing information to the credit reporting agencies regarding an alleged debt associated with my name and credit profile. I previously submitted a written request to this company demanding validation of the debt, including : A copy of the original contract bearing my signature Documentation establishing the chain of custody or assignment Any purchase agreement related to the alleged debt As of todays date, the company has failed to respond to my request. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( b ), I have the right to dispute the validity of a debt and to request proper documentation. Until the debt is validated, all collection activity and credit reporting must cease.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, furnishers of credit information are required to provide accurate and verifiable data to the credit bureaus. Reporting a debt without providing supporting documentation upon request is a violation of federal law and causes unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-06-06 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: TN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-06-06 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:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX & CO - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX 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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Bright Capital Inc
State: NJ

Complaint narrative:
I deposited {$50.00} into the XXXX XXXX  with the intention of using their credit-building service. The funds were immediately withdrawn from my external bank account and fully cleared. However, despite the money being taken, Bright has failed to make those funds available to me offering only vague excuses and stalling tactics.

I contacted support multiple times and received nothing but canned responses blaming " banking systems '' and " AI-driven delays. '' Even after clearly stating that the funds had been successfully debited from my bank account, they continued to deflect responsibility and refused to issue a refund or provide a timeline for resolution.

This behavior is completely unacceptable. Bright is holding my money without providing the promised service, and has offered no real solution or accountability. Their misleading communication and failure to act in good faith feels like fraud and abuse of financial trust.

I am filing this complaint to formally request : An immediate refund or account credit for the {$50.00} A full explanation of where my funds are being held A review of Bright 's misleading and deceptive business practices Consumers deserve transparency and protection when it comes to their money. Bright has failed on both counts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Thank you for contacting the XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. Your case number is XXXX. Details of your submission are below. 

Subject : Other Message : On XX/XX/XXXX I purchased a dishwasher to XXXX XXXX ID XXXX XXXX for the amount of {$390.00} when was installed doesnt worked I call XXXX XXXX and they told me I have to get on contact with XXXX guarantee I called then and they send me a mechanic one came and after working on told me I dont has grunt on the electrical outlet I call electrician that I have to paid extra and they told me was not thrue I has grunt all over the hose because my electrician is new then I call back the guarantee and they sending me other electrical for other company and after checked all over told me the dishwasher was broke and the hace to replace, when I call XXXX guarantee they make some many information training no to replace o pay for on the mid time I purchased other dishwasher because I needed and now what I requested is the refund for {$390.00} that I paid for the broke dishwasher, thank you for your help on this matter, 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 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding a predatory auto loan issued to me by Santander XXXX USA on XX/XX/XXXX. 

At the time, I was XXXX XXXX XXXX, dealing with poor credit, and driving a car that was literally breaking down on the way to the dealership. I was desperate, vulnerable, and had no bargaining power. Santander, in partnership with the dealership, approved me for an auto loan with a staggering 21.79 % APR a rate that any reasonable person would consider abusive and financially devastating.

The original amount financed was {$22000.00} for a XXXX XXXX XXXX. My monthly payment was set at {$560.00}, and as of XX/XX/XXXX, I still owe {$14000.00}, despite paying over {$23000.00} to date. After 3.5 years of on-time payments ( with very few exceptions ), I have barely made a dent in the principal. This loan has cost me deeply in terms of financial stability, stress, and lost opportunities.

This situation is not just unethical its exploitative. The structure of the loan ensured that the vast majority of my payments went toward interest, with little to no reduction of the balance. Santander knowingly issued a loan to a young, desperate consumer with no real path to financial success under these terms. This violates the spirit, if not the letter, of consumer protection laws.

I am aware that Santander XXXX  USA has previously settled with multiple states for similar
predatory lending practices, and I believe my case fits that exact pattern. I am requesting the following : An investigation into this specific loan and its compliance with fair lending standards.

Pressure on Santander to offer loan relief, interest rate reduction, or cancellation of remaining balance.

A formal record of this complaint to contribute to further regulatory scrutiny of Santanders practices. 

Thank you for your time and attention to this matter. I hope your office will recognize this for what it is legalized theft and take the necessary steps to protect future consumers like me.

Company response to consumer: Closed with explanation