vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} COXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$93.00} 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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} COXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$93.00} 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 DEPT OF ED 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 2025-11-24 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: SC

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion continue to report multiple inaccurate, outdated, and misleading late payment notations across several of my accounts, despite these accounts being completed, closed with {$0.00} balances, or currently tied up in final processing, and these errors violate the accuracy, reinvestigation, and correction requirements under FCRA 602, 611, 623 ( a ) ( 2 ), and 623 ( b ). After reviewing all three credit reports, I found that the same long sequence of late payment notations many of which do not align with my payment records remain on my XXXX XXXX XXXX XXXX XXXX account * *, opened XX/XX/XXXX, last active XX/XX/XXXX, and now at {$0.00}, which still shows multiple XXXX lates ( XXXX, XXXX, XXXX ), XXXX lates ( XX/XX/XXXX and XX/XX/XXXX ), and a XXXX late in XX/XX/XXXX, even though the account is closed and satisfied. The same problem appears on my closed XXXX  accounts, including XXXX XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX, last active XX/XX/XXXX, balance {$0.00} ) * * which Experian, Equifax, and TransUnion are XXXX showing as late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the account was completed on time and finalized with a XXXX balance. Another account, XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX, last active XXXX, balance {$0.00} ) XXXX XXXX  continues to reflect late XXXX entries in XX/XX/XXXX and XX/XX/XXXX, and a XXXX late in XX/XX/XXXX, despite being paid and officially closed. Additionally, the XXXX XXXX Federal accounts that are currently tied up in their final processing stages XXXX XXXX XXXX ( {$3400.00} ), XXXX XXXX XXXX ( {$2500.00} ), and XXXX XXXX  XXXX ( {$2800.00} ) are being reported with outdated or incomplete status information that does not reflect their current condition, which violates the furnishers obligation under FCRA 623 to provide timely and accurate updates. Because all three credit bureaus have failed to correct these issues after multiple disputes, the inaccurate late marks and inconsistent reporting continue to harm my credit profile, misrepresent my payment history, and violate multiple sections of the Fair Credit Reporting Act that require accuracy, fairness, complete investigations, and full corrections of disputed information.

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 2025-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland credit management called me regarding an account they received of mine. I requested all the supporting documents be sent to me so I can be sure its my account with all the correct information. They failed to do so and proceeded to sue me. I only found out because they called again to tell me. However, I had already moved to another state and never received a notice. They told me they wont work with me now because if what state I live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mid-South Adjustment Co., Inc.
State: TX

Complaint narrative:
On XXXX Midsouth Adjustment, XXXX XXXX, and XXXX XXXX was notified via mail with a conditional offer of acceptance to settle the alleged obligation upon receiving proof of an agreement, memorandum, or promise in accordance with Texas Title Sec 26.01 ( a ) ( 2 ) .As of 11-23-25 Midsouth Adjustment XXXX XXXX XXXX XXXX and XXXX XXXX have not responded and is now in violation of 15 USC 1692 ( e ) by continuing to report the alleged debt to consumer agencies and continuing collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
To whom it XXXX concern, I am submitting a formal complaint regarding a potentially predatory auto loan associated with the purchase of my vehicle. 

* * Loan and Vehicle Information : XXXX XXXX XXXX  Lender/Servicer : Santander XXXX  XXXX XXXX. 
* Dealership : XXXX XXXX XXXX, XXXX XXXX, XXXX, New Jersey * Date of purchase : XX/XX/year> * Monthly payment : {$770.00} * Interest rate : 24.87 % * * Summary of Issues : * * 1. I was told at the dealership that the high interest rate would be temporary and that I would be able to refinance after a few months of consistent payment. This refinancing option was never provided, despite multiple inquiries.

2. After nearly two years of payments, the loan balance has barely decreased, which raises concerns about the application of payments and the accuracy of interest calculations.

3. The payment history shows irregular entries, repeated {$10.00} fees, negative transactions, and payments not being applied properly to the principal. 
4. Due to a recent financial hardship, I have been unable to make payments for the past XXXX months. I am currently facing the threat of repossession. 
5. I believe the combination of the extremely high interest rate, misleading information at the dealership, and the irregularities in the payment history may constitute predatory lending practices.

* * Request : * * I respectfully request that the Consumer Financial Protection Bureau investigate this loan and the practices of both Santander XXXX XXXX. and XXXX XXXX XXXX. I also ask that the repossession process be reviewed or paused while this matter is being examined. 

I am prepared to provide additional documents, including the full payment history and the original contract, upon request. 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am writing to formally request that the Consumer Financial Protection Bureau investigate Apple regarding an account that has been reported in my name without my knowledge or authorization. I am disputing this account under my rights provided by the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i ( reinvestigation of disputed information ) and 15 U.S.C. 1681s-2 ( furnishers responsibilities to provide accurate information ). 

I am requesting that Apple provide proof that I personally opened this account, including : A copy of the original signed application or contract, My signature allegedly used to open the account, and A copy of the identification that was supposedly used during the enrollment process. 

At this time, I have not received any documentation proving that I opened or authorized this account. Under the FCRA, if the furnisher ( Apple ) can not provide valid documentation verifying the accuracy and legitimacy of this account, I am requesting that the account be removed and deleted from all credit reporting agencies. 

I ask that the CFPB assist in ensuring Apple complies with federal credit laws and provides the required proof, or otherwise removes the inaccurate account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I never opened an account with this company, yet a debt is being reported under my name. I attempted to contact the company multiple times but received no response. In addition, money was taken from my debit account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I previously submitted a written dispute to BANK OF AMERICA , N.A . 
dated XXXXXX/XX/2025, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BANK OF AMERICA, N.A.has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since BANK OF AMERICA , N.A . did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure BANK OF AMERICA, N.A.s immediate compliance with FCRA requirements. BANK OF AMERICA , N.A . 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

CBNA XX/XX/year> CBNA XXXX CBNA XX/XX/year> CBNA XX/XX/year> Please block this information within 4 days of receipt from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Respectfully, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-11-24 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} 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 2025-11-24 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} 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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am submitting this complaint because Barclays charged me a late fee that resulted directly from fraudulent charges on my account and incorrect instructions given to me by their representative. 

Sometime last week, I contacted Barclays to report fraudulent charges on my account. During that call, the representative specifically informed me that Barclays would investigate the charges and that I should hold off on paying the statement balance until the investigation was completed. 

I followed the instructions I was given by Barclays. Despite this, Barclays later added a {$29.00} late fee to my account. When I called to resolve this, I was told the fee could not be waived, even though the only reason the payment was delayed was because I followed the guidance of their representative during an active fraud investigation. 

This is not a courtesy request it is a request to correct a fee that is the direct result of fraud and incorrect instructions from Barclays. Consumers should not be penalized for following the banks own guidance after reporting fraud. 

I am requesting the following : Removal of the late fee, as it resulted from bank error. 

Reversal of any negative credit reporting, if applicable. 

I tried to resolve this directly with Barclays, but they refused to correct the fee. I am asking for the CFPBs assistance in ensuring this is resolved properly.

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 2025-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-24 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: TX

Complaint narrative:
I noticed that Equifax Information Services LLC was illegally furnishing, maintaining, and publishing child-support information on my consumer report. This child-support entry does not originate from any consumer credit transaction, does not involve an extension of credit, and does not constitute a permissible item for a consumer report under the Fair Credit Reporting Act ( FCRA ). Equifax is knowingly reporting a non-credit obligation in a credit file in violation of the statutory definition of a " consumer report '' under 15 U.S.C 1681a ( d ). I have made Equifax aware of this thru correspondence. This has been reported since XX/XX/XXXX. When I learned of it, I sent a letter on XX/XX/XXXX to Equifax informing them of this illegal reporting. I also sent a letter on XX/XX/XXXX. On XX/XX/XXXX I sent an Affidavit of Non Response and I still haven't had a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$22000.00} 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 2025-11-24 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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