vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a threatening letter from XXXX XXXX XXXX regarding an old credit card debt collection from XXXX on XX/XX/XXXX. On the letter, it stated that I owe {$1000.00} and if they do not hear from me or receive payment by XX/XX/XXXX, then they will pursue legal action in the state of Virginia. 

On the instructions to stop the process, it stated that I should call XXXX to speak to an Account Manager to hear my side of the story and they will work with me to get this resolved voluntarily.

It also stated that I can setup a long-term payment plan at XXXX XXXX, I contacted their hotline on XX/XX/XXXX to speak with an Account Manager to resolve the matter by getting a payment plan.

The Account Manager was very rude and aggressive and said they either need the payment in full today or at least 30 % of the balance owed, which is {$320.00}.

I tried to explain to the Account Manager that I didnt have any money available today due to all of my bills being paid today for the 1st of the month, but I was willing to cooperate with them if they allowed me to pay the 30 % at a later date.

Then, the Account Manager kept completely ignored my payment plan request and demanded the money now or else their attorney will seek legal action, and I will owe a bunch of court fees on top of the owed balance. 

Please note that this credit card debt collection has already been charged off as of XX/XX/XXXX. The last time I checked, if an account has already been charged off, then I should not be held liable to pay for this debt to the collection agency.

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 2025-05-30 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX, I added an authorized user to my Citibank credit card. By XX/XX/XXXX, the balance was already around {$18000.00} ( original limit {$19000.00} ) and I called to request the card be frozen or the limit lowered. I was told to wait until the limit was reached. On XX/XX/XXXX, Citibank raised my credit limit to {$25000.00} without my consent. Between XXXX and XX/XX/XXXX, despite at least XXXX additional calls asking to block transactions, the authorized user overrode each freeze via the mobile app and ran the balance up to nearly {$30000.00} {$11000.00} over the original limit. In XX/XX/XXXX, I formally declared fraud covering {$25000.00} in unauthorized charges, but my fraud claim was rejected. I mailed a certified complaint, delivered XX/XX/XXXX, and a follow-up delivered XX/XX/XXXX, demanding direct reimbursement ; I have received no acknowledgment or response. I also requested full account statements, transaction history, and confirmation of card freeze, all of which Citibank refused to provide.

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 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Santander is telling me that I owe {$270.00} in late fees in total. They said I have been late 18 times and the late fee is {$15.00}. However, they have charged me {$210.00} / month for the last 6 months in late fee, I have paid well over {$1000.00} for what they say should only be {$270.00} in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am disputing an auto loan account reported by XXXX XXXX XXXX that appears on my credit report with XXXX XXXX and XXXX  The tradeline shows a charge-off with ongoing monthly charge-off notations ( " CO '' ) from XXXX through XXXX, which is inaccurate, misleading, and harmful. I was incarcerated from XX/XX/XXXX through XX/XX/XXXX, and therefore unable to manage or access credit during this time. 

Additionally, this account went delinquent during the height of the COVID-19 national emergency, when the federal government encouraged leniency under the XXXX XXXX. XXXX provided no hardship options, failed to make accommodations, and has continued to report the account as charged off every month, including while I was incarcerated. 

Experian previously reported a last payment on XX/XX/XXXX but later removed that and now reports it as charged off monthly re-aging the tradeline in violation of FCRA 1681s-2 ( b ). This reporting is not only unverifiable, but it also disregards CARES Act protections, incarceration hardship, and the fact that the debt was already charged off. 

I submitted supporting documentation showing my incarceration. Rather than remove the tradeline or reflect hardship, the bureaus continued to report it with ongoing damage to my credit and financial opportunities.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX is garnishing my wages based on a loan they claim was originated on XX/XX/XXXX, with a balance of {$6300.00}. However, I never signed or authorized a loan agreement in XXXX. The original debt dates back to XXXX. This appears to be a re-aged account in violation of the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 5 ), which prohibits reporting inaccurate dates of first delinquency. It may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, due to misleading representation of the debts age and status. 

I disputed the XXXX XXXX account directly with Equifax, XXXX, and XXXX, but none of the bureaus removed the tradeline. I did not receive any documentation showing how the debt was verified or what evidence XXXX XXXX provided. 

I submitted written requests for full debt validation to their attorneys, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked for a signed copy of the loan agreement, an itemized breakdown of the balance, a copy of the court judgment and garnishment order, proof of legal authority to collect, and documentation showing I was properly served. I received no response from the law firm. 

XXXX XXXX later responded to a previous CFPB complaint but failed to provide any of the requested documents. Their letter simply restated the XXXX origination date without proof or supporting evidence. They did not include the signed agreement or any breakdown to justify the balance reported to Equifax. 

I continue to dispute the validity of the debt, the re-aged reporting, and the legal basis for the garnishment. I am requesting that the CFPB investigate and require XXXX XXXX to provide proper documentation or remove the account entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX is garnishing my wages based on a loan they claim was originated on XX/XX/XXXX, with a balance of {$6300.00}. However, I never signed or authorized a loan agreement in XXXX. The original debt dates back to XXXX. This appears to be a re-aged account in violation of the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 5 ), which prohibits reporting inaccurate dates of first delinquency. It may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, due to misleading representation of the debts age and status. 

I disputed the XXXX XXXX account directly with XXXX TransUnion, XXXX XXXX, but none of the bureaus removed the tradeline. I did not receive any documentation showing how the debt was verified or what evidence XXXX XXXX provided. 

I submitted written requests for full debt validation to their attorneys, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I asked for a signed copy of the loan agreement, an itemized breakdown of the balance, a copy of the court judgment and garnishment order, proof of legal authority to collect, and documentation showing I was properly served. I received no response from the law firm. 

XXXX XXXX later responded to a previous CFPB complaint but failed to provide any of the requested documents. Their letter simply restated the XXXX origination date without proof or supporting evidence. They did not include the signed agreement or any breakdown to justify the balance reported to XXXX 

I continue to dispute the validity of the debt, the re-aged reporting, and the legal basis for the garnishment. I am requesting that the CFPB investigate and require XXXX XXXX to provide proper documentation or remove the account entirely from my credit report.

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 2025-05-30 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: LA

Complaint narrative:
XXXX XXXX is garnishing my wages based on a loan they claim was originated on XX/XX/XXXX, with a balance of {$6300.00}. However, I never signed or authorized a loan agreement in XXXX. The original debt dates back to XXXX. This appears to be a re-aged account in violation of the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 5 ), which prohibits reporting inaccurate dates of first delinquency. It may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, due to misleading representation of the debts age and status. 

I disputed the XXXX XXXX account directly with XXXX XXXX, and Experian, but none of the bureaus removed the tradeline. I did not receive any documentation showing how the debt was verified or what evidence XXXX XXXX provided. 

I submitted written requests for full debt validation to their attorneys, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I asked for a signed copy of the loan agreement, an itemized breakdown of the balance, a copy of the court judgment and garnishment order, proof of legal authority to collect, and documentation showing I was properly served. I received no response from the law firm. 

XXXX XXXX later responded to a previous CFPB complaint but failed to provide any of the requested documents. Their letter simply restated the XXXX origination date without proof or supporting evidence. They did not include the signed agreement or any breakdown to justify the balance reported to XXXX 

I continue to dispute the validity of the debt, the re-aged reporting, and the legal basis for the garnishment. I am requesting that the CFPB investigate and require XXXX XXXX to provide proper documentation or remove the account entirely from my credit report.

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 2025-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I do not agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Account Name : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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 2025-05-30 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-05-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-30 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-30 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending this complaint to Equifax regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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.

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-30 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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