vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting XXXX XXXX XXXX and Experian for illegal re-aging of a debt. 
This account was originally owed to XXXX. The true Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which means the account is more than 7 years old. 
However, XXXX XXXX XXXX is reporting completely false dates, including : A Date Opened of XX/XX/XXXX Payment history showing collection activity in XXXX A past due as of XX/XX/XXXX status Balance updated as of XX/XX/XXXX ( a future date ) These are impossible dates and represent clear illegal re-aging. 
This violates FCRA 605 ( c ) ( re-aging prohibition ), FCRA 623 ( a ) ( 2 ) ( furnishing inaccurate information ), and FDCPA 807 ( false or misleading representations ). 
I previously disputed this with Experian, but they refused to correct the inaccurate reporting even after being informed of the DOFD and account history.

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 2025-11-17 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: TN

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
In short : Barclays Bank approved me for a XXXX XXXX XXXX Elite Mastercard in XX/XX/year> that I was to use for medical travel. I was immediately approved for a {$22000.00} credit line. they sent the card, then refused for five months to let me prove my identity despite exhaustive documentation, charged fees on an account that I could not access or pay, and then closed the account and reported derogatory information the moment verification was complete. 
This has caused me enormous stress at the worst possible time in my life and has unjustly damaged my credit. 
I am requesting goodwill remedies : 1. Permanent deletion of the entire Barclays tradeline from my credit report with all three credit bureaus, ( XXXX XXXX, XXXX  ) -not marked merely " paid '' or " closed '' but completely removed as if the account never existed. 
2. Written confirmation ( on Barclays letterhead ) that the deletion has been sent to all three bureaus. 
3.If possible as a gesture of goodwill, honoring the original XXXX mile sign up bonus that induced me to apply in the first place. 


I do not deserve negative marks because of Barclays own verification process failed me for half a year. Barclays shows on my credit report, " Delinquent Account past due {$62.00} with a status of Late 90days. 
Please give this matter the urgent attention it deserves given my age and serious illness ( XXXX XXXX XXXX XXXX ). 
Thank you for your help with this matter.

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 2025-11-17 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: NC

Complaint narrative:
I am submitting this complaint regarding inaccuracies in my credit report, as outlined below, for your review and necessary action. 


Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX  reported an outstanding balance for XX/XX/year> of {$16.00} and marked the account 30 days late on my credit report. 

The credit report shows a late payment for {$16.00} in the amount listed as overdue as of XX/XX/year>. This is incorrect and misleading because the amount in question represented a late fee, not a missed or overdue mortgage payment. My mortgage payment for both XXXX and XX/XX/year> was made within the required grace period timeframe, and I have supporting documentation verifying this. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that all information contained in a consumers report is accurate and complete. Reporting a late payment based solely on a late fee constitutes inaccurate information, as it misrepresents the status of my account. 

I have disputed this inaccuracy twice on Experian and they have continually only sought certification from the bank of the information and have not done a thorough investigation as to the accuracy of the reporting from the bank.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I noticed card was being used on XX/XX/XXXX and filed a claim at Chase. The total amount stolen came to {$1300.00} and Chase denied all my claims saying they were not fraudulent event though I filed a police report for my stolen wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am writing to dispute the following accounts on my Experian credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$95.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$550.00} XXXX  Account Number : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$650.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$580.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} Inquiries No inquiries listed for Experian. 

Positive Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Accounts XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-17 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-17 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 am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-17 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-17 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Essential Lending Inc
State: TX

Complaint narrative:
Do not remember the exact date but I know it has been a few months when I got the loan from XXXX in the amount of {$360.00}. Today ( XXXX ) I received a voice message from from someone stating that they were going to serve me. Called the number that was left on my voice mail. Which someone supposely from Prelegal dept at Midland answered and after I gave her File # XXXX, she stated that XXXX was considering legal action.I asked her how much was the debt she saod {$1000.00} and something dollars. asked for the court where the case was filed, rep told me whoever called me about serving me would have that. Rep claimed she did not have that info. Called XXXX and on the loan officers were unavailable. Called back Midland kept getting put on hold by the rep name XXXX. XXXX sounded like the orginal rep I spoke to. Last time rep answered she spunded like she was annoyed and going to give attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
I am disputing the accuracy of the reported balance and the status of this account. The account is incorrectly reported as charged off with an outstanding balance of {$140.00}. I request verification of this debt along with a thorough review of the reporting to ensure compliance with the Fair Credit Reporting Act ( FCRA ) regulations. If this debt can not be properly verified, I request the removal of this account from my credit report. 


Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Inquiries XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Someone opened a Project bank account in my name with Navy Federal Credit Union and now I am doing my best to have this removed from my credit history and credit profile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
XXXX XXXX charged me after I closed the accounts and transferred the numbers to a new account. I disputed the charge with XXXX XXXX on XX/XX/year> and was told that the account balance will be removed. XXXX did not send me any bills or reminders after that. It has been 6 months since I discussed with XXXX The debt collector is asking for {$300.00} in past due payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute any link to these accounts ; delete them within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Midwest Fidelity Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX! I have never ordered or taken gummies\nsent by email: XXXX  phone XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hi, I had two opened bank accounts with MNT Bank. I have fraud on my card and had to dispute a bunch of charges so MNT gave me the money and then like 30 days later took the money back so I was negative a bunch of money then I went to the manager, explained it to them they resubmitted it. MNT gave me back my money and then it was supposed to be closed out and they took the money back so now they have me Collections for them, not honoring my disputes.

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 monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander Consumer USA financed my vehicle purchase through XXXX XXXX in XX/XX/year> at a 22.59 % interest rate and a monthly payment of {$870.00}. Despite repeated written and verbal requests, I have never received a copy of my executed retail installment contract or the required monthly account statements. 

Details : The dealership stated Santander was the only lender that would finance the vehicle. 
I was not provided a contract at the time of signing or since. 
I have repeatedly asked both the dealer and Santander for the signed copy, full accounting, and periodic statements. None have been provided. 
The vehicle was repossessed once and later reinstated, but Santander still refuses to produce the contract or provide required account disclosures. I have also asked on these phone calls how to go about requesting a lower payment and interest rate to be told that was not an option as Santander does not refinance vehicles. They could consider a payment extension for a delinquent payment only, but I likely would not qualify for that option. I was able to get XXXX payment extension after being unemployed for many months. No other assistance will be given after an extension is done is what I was advised by most of the employees. 
I am being billed without any clear accounting or record of applied payments. 

Laws Implicated : Truth in Lending Act ( 15 U.S.C. 1638 ) failure to provide disclosures and written contract.

Fair Credit Billing Act ( 15 U.S.C. 1666 ) failure to provide periodic statements.

Florida Consumer Collection Practices Act ( 559.72 F.S. ) deceptive and misleading collection conduct.

A separate complaint is being sent to the Florida Attorney General.

Company response to consumer: Closed with explanation