vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

XXXX XXXX ( XXXX  / XXXX ) XXXX XXXX XXXX XXXX ( XXXX ), ( XXXX ), ( XXXX / XXXX ) XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX 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 2025-12-27 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: OH

Complaint narrative:
I am sending this complaint today to share the full story behind my account with XXXX XXXX XXXX  account number XXXX, because the way it is currently reported on my credit file does not reflect the true history of how this account was handled. I believe that accuracy is the foundation of fair reporting, and I want to ensure that my file reflects the reality of my payment history and the agreement I maintained with the creditor. When I opened this account on XX/XX/XXXX, it marked the beginning of a new chapter in my life. I had taken on new responsibilities, and securing reliable transportation was essential for my work, my family, and my daily commitments. From the very first day, I approached this account with seriousness and intention. I made every effort to stay on top of my payments, communicate with the creditor, and ensure that the account remained active and in good standing. The account remained active through XX/XX/XXXX, and the current balance of {$27000.00} reflects my continued commitment to fulfilling the agreement.Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Reporting Act ( CRA ), I have the right to dispute information that is inaccurate or incomplete. 15 U.S. Code 1666 gives me the right to request correction of billing errors, and 15 U.S. Code 1666a outlines the responsibilities of creditors when information is disputed. Additionally, CRA 611 ( 15 U.S.C. 1681i ) requires to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furnishers also have clear responsibilities under FCRA 623 ( a ) ( 2 ) to correct and update information that is incomplete or inaccurate, and under FCRA 623 ( b ) to conduct a proper investigation once notified of a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Via Certified Mail Return Receipt Requested [ Investigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported in my consumer credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

After reviewing my credit report, I have reason to believe that one or more accounts and/or items being reported are inaccurate, incomplete, or can not be verified as required by law. This letter constitutes a request for a full reinvestigation of all information in my file that can not be properly verified.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable investigation to determine whether disputed information is inaccurate and to delete or correct any information that can not be verified within 30 days of receipt of this notice. 

Please note : I am not admitting responsibility for any account reported. 
Any item that can not be verified with competent evidence, including proper documentation from the original source, must be promptly deleted. 
Automated or superficial verification does not satisfy the requirements of the FCRA.

If you verify any information, please provide : The method of verification used The name, address, and telephone number of the party that verified the information The date of verification Failure to comply with these requirements may constitute violations of the FCRA and will be documented accordingly. 

I have enclosed copies of my government-issued ID, Social Security card , and proof of address to assist you in identifying my file. These documents are provided solely for identification purposes. 

Please complete your investigation and provide me with an updated copy of my credit report reflecting the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies and misrepresentations appearing on my Equifax, TransUnion and Experian credit report, as protected under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 concerning the correction of billing errors, 15 U.S. Code 1666a regarding creditor restrictions during disputes, FCRA 611 ( 15 U.S.C. 1681i ) requiring accurate verification of disputed information, FCRA 623 ( a ) ( 2 ) obligating furnishers and credit bureaus to correct and update inaccurate data, FCRA 605 ( a ) prohibiting obsolete or misleading information, and FCRA 609 ( 15 U.S.C. 1681g ) ensuring the right to full disclosure. Despite previous disputes, my report continues to contain multiple errors that materially misrepresent my financial history and creditworthiness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute the late payment and delinquent status currently being reported on my account. These remarks are incorrect and do not reflect my actual payment history or agreed payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year>, Citibank closed by credit card account. I called that day to find out what was going on. When I spoke to someone, they confirmed that the account had been closed but wouldn't tell me why. They told me that I first had to wait XXXX days for a letter to come in the mail. So, finally, on XX/XX/XXXX, the letter arrived. The letter said the closure was due to late or rejected payments. I did have XXXX rejected payments in XXXX that were all the result of Citibank 's payment portal errors. I again called Citibank to explain and ask them to look into it. They refused and said the account could not be reopened. Citibank 's behavior in this situation is unacceptable. In addition, they have significantly damaged my credit rating with this closure. 
Because these payments are made through Citibank 's payment portal, there is no manual entry of account or routing numbers. Everything is automated through their software. When setting up a payment, I simply select the account I want to pay from and everything is supposed to be automatic. I can show clearly that there was more than enough money in these specific accounts to more than cover the payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request assistance regarding an auto account that has become unaffordable and negatively impacted my credit due to circumstances outside of my control.

Several years ago, I was involved in a serious motor vehicle accident in which I was struck by a commercial semi-truck. As a result of the accident, I suffered significant injuries, including damage to my XXXX that required XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that prevented me from working consistently or earning income at my normal capacity. 
Because of the severity of my injuries and the recovery process, I was unable to maintain steady employment for an extended period of time. This caused financial hardship and made it extremely difficult to keep up with all of my financial obligations, including this auto account. The account became delinquent not due to neglect or unwillingness to pay, but due to medical hardship and loss of income directly tied to the accident. 
In addition, I have been involved in active litigation related to this accident for nearly five years. That legal process has been ongoing, complex, and emotionally and financially draining. I have recently completed my deposition and am now entering mediation. Until this matter is fully resolved, my financial situation remains uncertain and strained.

At this time, I am requesting fair consideration and relief on this account due to documented hardship. Specifically, I am requesting either : A substantial reduction in the balance or terms of the account so that the obligation reflects my current financial reality and can be fairly addressed once my legal case is resolved, or Complete removal of the account from my credit report due to the extraordinary circumstances, prolonged hardship, and the direct link between the accident, medical XXXX, and the resulting delinquency. 
I am not seeking to avoid responsibility. I am seeking reasonable and compassionate relief based on the fact that my financial hardship was caused by a catastrophic injury, long-term medical treatment, and years of litigation beyond my control. 
I respectfully ask the Consumer Financial Protection Bureau to review this matter and assist in facilitating a fair resolution with the creditor. Thank you for your time, understanding, and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Via Certified Mail Return Receipt Requested [ Investigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported in my consumer credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

After reviewing my credit report, I have reason to believe that one or more accounts and/or items being reported are inaccurate, incomplete, or can not be verified as required by law. This letter constitutes a request for a full reinvestigation of all information in my file that can not be properly verified.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable investigation to determine whether disputed information is inaccurate and to delete or correct any information that can not be verified within 30 days of receipt of this notice. 

Please note : I am not admitting responsibility for any account reported. 
Any item that can not be verified with competent evidence, including proper documentation from the original source, must be promptly deleted. 
Automated or superficial verification does not satisfy the requirements of the FCRA.

If you verify any information, please provide : The method of verification used The name, address, and telephone number of the party that verified the information The date of verification Failure to comply with these requirements may constitute violations of the FCRA and will be documented accordingly.

I have enclosed copies of my government-issued ID, Social Security card , and proof of address to assist you in identifying my file. These documents are provided solely for identification purposes. 

Please complete your investigation and provide me with an updated copy of my credit report reflecting the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the reporting of late payments and delinquent status on my account. The information being reported is inaccurate because the payments were made in accordance with the agreed terms and should not be reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I applied for a hardship assistance program related to this account. The application was denied due to paperwork issues, but the account was reported to collections during or immediately after the hardship review process. I believe the balance and collection reporting are inaccurate or improperly timed. I am requesting verification and correction of the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
I am writing to dispute the reporting of late payments and delinquent status on my account. The information being reported is inaccurate because the payments were made in accordance with the agreed terms and should not be reported as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I am formally disputing the accuracy of the account being reported by Consumer Portfolio Services ( CPS ) on my credit report.

Consumer Portfolio Services was notified numerous times regarding serious issues with the vehicle and the handling of this account. I was expressly informed by CPS representatives that the vehicle would be treated as a voluntary repossession and that it would not negatively reflect on my credit, particularly due to the vehicle being sold to me with a rebuilt engine and unresolved mechanical issues. 

The vehicle was later towed at the direction of Consumer Portfolio Services. I personally paid {$1200.00} to retrieve the vehicle from storage. Upon picking up the vehicle, it would not accelerate and was not drivable.

Additionally, CPS arranged for the vehicle to be towed using a pull/crank method, despite the vehicle being a front-wheel-drive XXXX, which required transport on XXXX flatbed tow truck. This improper towing directly caused damage, including the crankshaft position sensor breaking, rendering the vehicle inoperable.

I immediately notified Consumer Portfolio Services that I would continue payments once the vehicle issue caused by improper towing was repaired. Although I was contacted by several CPS representatives afterward, my complaint was never addressed, resolved, or investigated, and no repairs or corrective action were taken.

Despite these unresolved issues, CPS is now reporting this account in a misleading, inaccurate, and incomplete manner, which does not reflect the true circumstances or their prior representations.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 )
, information furnished must be accurate, complete, and verifiable. CPS has failed to properly investigate, document, or correct these issues, and therefore this account is not accurately reported.

I am requesting that : A full investigation be conducted Consumer Portfolio Services provide complete documentation verifying the accuracy of this account This account be deleted if it can not be fully and properly verified Please provide written confirmation of the results of this investigation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
b'I am submitting to formally dispute multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report, pursuant\nto the Fair Credit Reporting Act (FCRA), including FCRA 611 (15 U.S.C. 1681i) regarding the\nreinvestigation of disputed information, FCRA 604(a) concerning permissible purposes for credit\ninquiries, FCRA 609 (15 U.S.C. 1681g) guaranteeing the right to full disclosure of information, and\nFCRA 607(b) mandating maximum possible accuracy in credit reporting. I have reviewed my credit\nreport thoroughly and have identified several items that are inaccurate, incomplete, and misleading,\nwhich are negatively affecting my creditworthiness and financial opportunities.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance OwedXXXX Original Creditor XXXX XXXX XXXX XXXX XXXXBalance Owed: XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NV

Complaint narrative:
b'I am submitting to formally dispute multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report, pursuant\nto the Fair Credit Reporting Act (FCRA), including FCRA 611 (15 U.S.C. 1681i) regarding the\nreinvestigation of disputed information, FCRA 604(a) concerning permissible purposes for credit\ninquiries, FCRA 609 (15 U.S.C. 1681g) guaranteeing the right to full disclosure of information, and\nFCRA 607(b) mandating maximum possible accuracy in credit reporting. I have reviewed my credit\nreport thoroughly and have identified several items that are inaccurate, incomplete, and misleading,\nwhich are negatively affecting my creditworthiness and financial opportunities.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance OwedXXXX Original Creditor XXXX XXXX XXXX XXXX XXXXBalance Owed: 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