vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I can't contact anyone from the company and I've tried to dispute it off my report but they aren't removing it when it's obviously fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX the loss mitigation package was submitted to get assistance with mortgage. XXXX was rude and not helpful at all. We were advised of incorrect information on all calls. We were told forbearance would start in XXXX but then came back and said that it was not going to start XXXX and I had to struggle to get XXXX payment in by before the end of the month to avoid credit reporting. I followed up with them multiple times a month. I called in the middle of XXXX as instructed by my servicer to start the modification. I was specifically told not to make a payment in XXXX. I was waiting on the documents for the modification when I got notification that my credit was reported as XXXX days past due. I was told that I would not be reported for the months that were covered under forbearance as long as I followed up with loss mitigation and got on a final plan to bring the account current. They reported in XXXX for the months of XXXX XXXXXXXX. They stated that the credit reporting was correct because the past due amount was due XX/XX/XXXX. They reported for XXXX in XXXX. Those months should not have been reported however citizens stated that they reported correctly as it was due XX/XX/XXXX but I was told not to make the payment and XXXX 's payment was rolled into the XXXX. I didn't receive the first set of loan mod docs until XX/XX/XXXX. I had to fill the docs out twice as they stated the notary signed them with an incomplete date. They advised that they got the docs back on the XXXX and did not start working on it until the XXXX, per the phone rep, but I was not made aware of any errors until I called on XX/XX/XXXX. They weren't going to notify me of the incorrect notary date. They did send out new docs but gave me XXXX days to get them signed and sent back in before they were going to remove me for something that was not my fault. They did not even want to offer assistance in the first place. Luckily I was able to XXXX and find out that I was able to get assistance. I called about the credit on the XXXX and they stated that once everything was updated, they would correct the credit reporting. I asked for them to review the credit as it was reported in correctly and they sent me a letter on XX/XX/XXXX that the credit was reported correctly and they would not be making any adjustments. This servicer has done nothing but cause more hardship in a time when I'm already struggling. What should have been helpful and educational was nothing but lies and deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
I am filing this complaint because I previously disputed the following accounts with the credit bureaus, and they remain inaccurate. No proper correction or verification has been provided, which violates my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXXXXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) : This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

XXXXXXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) : This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, has violated my rights, Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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 2025-07-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year> BARCLAYS BANK pulled my credit without my authorization. I found out when my credit union sent me an email telling me a financial institution had pulled my credit. The company that pulled my credit was listed as BRCLYSBANKDE.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I fell behind all my capital one credit card due to financial hardship and Im currently XXXX months past due. I reached out to capital one in good faith, asking if I could be placed on a hardship program that would allow me to pay off the account without acquiring additional interest similar to a plan another creditor XXXX XXXX offered which policy the account and set the balance at 0 % interest I clearly explained that I wanted to pay what I owe and avoid Charge off. I requested options such as a hardship, repayment, plan, and interest, relief or pause, waived late fees. After talking to this person, I was finally connected to a specialist. Manager both was told they can not help because one uses a computer generated system that automatically decides whats available. I was not given any real review of my circumstances nor offered any flexible solution, despite being months behind, I was also told I would need to know a specific persons name in order to be helped further which makes no sense for a customer trying to resolve a delinquent account. I believe capital one is failing to offer meaningful assistance or transparency and handling financial hardship, especially when other lenders are willing to work with consumers and similar situations. I did explain to them that I had {$200.00} that I could pay today and they explained that I could just make the partial payment and I will continue to still be behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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 reviewed a copy of my credit report and noticed multiple fraudulent accounts due to the XXXX XXXX XXXX and it is hindering my ability to obtain credit.

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was charged a late fee by Bank of America on XX/XX/XXXX. I already paid the principal back to BofA. I am requesting a refund of {$29.00}.

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 2025-07-13 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: CO

Complaint narrative:
I am disputing a collection account from Genesis Credit Management / Columbia Debt Recovery related to XXXXXXXX XXXX XXXX. The reported balance has fluctuated multiple times without explanation or noticerising from {$24000.00} to {$29000.00}, then increasing again to $ XXXXdespite no payments being made to justify any of these changes. These adjustments appear arbitrary and potentially retaliatory in nature, especially following my disputes. 



I formally requested verification of the debt, documentation supporting the reported balance, proof of account ownership, and a detailed breakdown of any fees, interest, or charges that may have contributed to the ongoing changes. None of this was provided. 



To make matters worse, this collection account was previously removed from all three credit bureaus, only to be re-reported with conflicting and inconsistent information across each bureau. XXXX XXXX XXXX XXXX  are all showing different versions of this debt, creating confusion and further damaging my credit profile. 



In XXXX & XX/XX/year>, I also disputed a separate but related collection account with TransUnion connected to the same original debt. Under the Fair Credit Reporting Act ( FCRA ), the furnisher was required to verify the debt within 30 days. No proof or documentation was ever presented, yet the account was marked as resolved with no explanation and remains on my report. 



These repeated actions are not only misleading and harmfulthey may also be violations of both the FCRA and the FDCPA. The company has failed to provide accurate reporting, failed to verify the debt as required by law, and appears to be re-reporting and altering information in a way that punishes me for asserting my rights as a consumer. 



I am requesting that this complaint be taken seriously and that this account be fully deleted from all credit bureaus. All supporting documentationincluding screenshots of the fluctuating balance, score drops, previous removals, and inconsistent bureau datahas been submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consist of a private student loan opened at SALLIE MAE BANK XXXX on XX/XX/XXXX, under the account number XXXX. This account have resulted in a fraudulent hard inquiry and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collection, or hard inquiry as reported. The aforementioned account, collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, collection, and hard inquiry are the result of 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 account, collection, and hard inquiry are the result of identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
According to XXXX XXXX XXXX I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a formal complaint against Capital One for egregiously mishandling a payment on my closed XXXX account ( ending in XXXX ) during an active dispute process. Despite the account being closed and under investigation for inaccurate reporting, Capital One engaged in conduct that I believe constitutes both negligent reporting and unfair credit practices. 

On XX/XX/year>, a payment of {$160.00} was successfully made to the account and reflected as received on my XXXX  credit report as of XX/XX/year> ( supporting documentation attached ). However, Capital One subsequently reversed this payment and, issued a Past Due Fee, on XX/XX/XXXX, which gives the illusion of delinquent activitydespite already reflecting the payment and updated balance on file. This contradicts the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which prohibits furnishing inaccurate or misleading information to credit bureaus, especially during a dispute. 

Moreover, this sequence of events suggests a failure to maintain reasonable procedures to assure maximum possible accuracy of the information provided, as required by FCRA 1681e ( b ). Capital Ones actionsaccepting and reporting a payment, reversing it without due cause, and then assessing penaltiesappear retaliatory in nature and harmful to my credit rehabilitation process. 

Given that : This account was already closed and under dispute, The payment was accepted and reported before being reversed, Capital One then applied new derogatory actions while under a legal obligation to investigate the dispute in good faith, I am requesting the complete deletion of this account from all consumer reporting agencies. The actions taken have potentially harmed my credit profile during a period of active dispute resolution and appear to reflect willful disregard of consumer protections. 

I am attaching supporting screenshots showing the timeline of the payment, reversal, interest charge, and inconsistent credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Since opening my Barclays JetBlue Mastercard in XXXX, I have never missed a single payment. Despite always paying above the minimum due, Barclays has been applying my payments to lower-interest balances ( e.g., 19.49 % balance transfers ), while allowing higher-interest balances ( such as 29.49 % cash advances and purchases ) to continue compounding interest. 

This violates the Credit CARD Act of XXXX, which requires that payments above the minimum be applied to the highest-interest balances first. In XX/XX/XXXX, I paid {$1200.00} ( above the {$1100.00} minimum ), yet I was still charged {$720.00} in interest that cycle. My year-to-date interest as of XXXX is {$3000.00}, and my balance continues to grow despite steady payments. 

I have submitted a formal demand letter to Barclays and am requesting that they reallocate payments properly, refund the improperly charged interest, and pay {$20000.00} in restitution for financial harm and abuse of trust. I am attaching my full letter and statement with this complaint.

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 2025-07-12 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: CA

Complaint narrative:
I have had stolen wallet in the past which has continued to lead to accounts being opened in my name. Fraud. 

The following accounts are not mine and should be removed from credit file : 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 explanation
Consumer complaint received 2025-07-12 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 have had stolen wallet in the past which has continued to lead to accounts being opened in my name. Fraud. 

The following accounts are not mine and should be removed from credit file : 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 2025-07-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX have furnished this account as a charge off / collection you are in violation of the Fair Credit Reporting Act 15 USC 1681.The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Delete the following account from my consumer reports : 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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX  have furnished this account as a charge off / collection you are in violation of the Fair Credit Reporting Act 15 USC 1681.The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Delete the following account from my consumer reports : XXXX XXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
I do not recall owing your company any debt, nor do I have a contract with your organization. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request full validation of the alleged debt including : a signed contract, itemized breakdown, and legal documentation showing your right to collect on this debt. Until these are provided, cease all collection activity, and do not report or continue to report this debt to any credit bureau.bYou have admitted to being a 3rd party debt collector in which the debt was sold to you and paid for. I do not have any contracts with you. Please provide a copy of a contract with your company signed by me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation