vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I attended a timeshare presentation at XXXX XXXX on XX/XX/year>. I was told that I had to sign documents to receive my free gifts for attending and to verify my identity. Within 15 minutes of doing so, I started receiving text messages and emails stating that I was approved for a Barclays issued credit card and that I would receive my card shortly. When I asked my sales representative what this was he said it was just " part of their process. '' I told him that I provided my information for identity verification purposes only and that I did not sign up, approve or give permission for them to take out a credit card for me. He again said that it was just " part of their process '' and did not address my complaint. I called back later and was told to call Barclays after I received the card and take it up with them because they are the card issuer.

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 2025-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was taken advantage of during a time of distress and financial vulnerability by 2 different financial lending entities. I didn't understand the true terms of my agreement. I was pressured to buy under a high interest rate that was not conveyed to me only the payment amount. I was required to make a down payment in violation against the Truth in Lending Act. I was told that the offer was only valid for one day and that a new application would have to be made if I chose to decline the offer. I expected a slightly elevated APR because I did not have perfect credit but not over 20 %. 

On XXXX XXXX  I purchased a XXXX XXXX XXXX for a purchase price of {$16000.00}. Loan was for over {$23000.00} because I was pressured to buy GAP protection and Extended Warranty totaling {$4500.00} being added to my loan principal amount. I did not have to pay a down-payment. The vehicle was totaled on XX/XX/XXXXXXXX  and paid off by insurance and GAP protection. I was still being charged for the vehicle for 4 additional payments which has significantly impacted my credit worthiness. 

After the first vehicle mentioned above was in process of being paid off by insurances, I needed to purchase another vehicle. 
On XX/XX/XXXX I called the same dealership that XXXX purchases the previous vehicle from and asked the salesperson to find me a vehicle that was close in similarities to the previous one. The sales person called me back and offered a XXXX XXXX XXXX for purchase price of {$17000.00}. I was again pressured to purchase extended warranty and GAP. I was also forced to make a downpayment of {$500.00} because the lender required it due to having a " less than favorable '' credit score. I found out later that the previous vehicle loan was being reported as delinquent which was why my credit score had decreased at the time of application for the replacement vehicle. 

I did not input any information on my application myself including my income. The sales person did all the paperwork over the phone for me and said all I needed to do was come sign my agreements and pay my down-payment. 

Both sales persons that I purchased the vehicles from no longer are employed at the dealership. So I have no contact 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 2025-09-07 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: CA

Complaint narrative:
On XX/XX/XXXX, I sold my XXXX XXXX XXXX to XXXX, who paid off my XXXX XXXX loan in full. Despite receiving the payoff, XXXX displaced the payment, created a false balance, and reported a late payment to all three credit bureaus. 

I sent XXXX a certified dispute package with proof of the XXXX payoff before any alleged delinquency. XXXX therefore had actual knowledge the account was satisfied. After my disputes, both XXXX  and XXXX  removed the late, and on XXXX XXXX XXXX TransUnion also updated the account to Current. 

However, on XX/XX/XXXX, XXXX reinserted the same false delinquency on TransUnion, showing the account as late with a false balance of {$780.00}. This is unlawful reinsertion under the Fair Credit Reporting Act ( FCRA ). 

XXXX  has also contradicted itself in communications : at times calling the XX/XX/XXXX due date 2 months late, other times 30 days late, and most recently emailing me that it was 42 days late. These shifting explanations prove XXXX does not maintain accurate records and is knowingly furnishing false data. 

This false late payment is actively harming me during a VA home loan closing. XXXX  actions are reckless, unlawful, and have put me at risk of losing my home purchase. 

In addition, TransUnion, XXXX, and XXXX  failed to ensure maximum possible accuracy under the FCRA by allowing XXXX false delinquency to appear or reappear on my credit reports without proper notice or investigation.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sold my XXXX XXXX XXXX to XXXX, who paid off my XXXX XXXX loan in full. Despite receiving the payoff, XXXX displaced the payment, created a false balance, and reported a late payment to all three credit bureaus. 

I sent XXXX a certified dispute package with proof of the XXXX payoff before any alleged delinquency. XXXX therefore had actual knowledge the account was satisfied. After my disputes, both Experian and XXXX  removed the late, and on XXXX XXXX XXXX XXXX  also updated the account to Current. 

However, on XX/XX/XXXX, XXXX reinserted the same false delinquency on XXXX, showing the account as late with a false balance of {$780.00}. This is unlawful reinsertion under the Fair Credit Reporting Act ( FCRA ). 

XXXX  has also contradicted itself in communications : at times calling the XX/XX/XXXX due date 2 months late, other times 30 days late, and most recently emailing me that it was 42 days late. These shifting explanations prove XXXX does not maintain accurate records and is knowingly furnishing false data. 

This false late payment is actively harming me during a VA home loan closing. XXXX  actions are reckless, unlawful, and have put me at risk of losing my home purchase. 

In addition, XXXX, Experian, and XXXX  failed to ensure maximum possible accuracy under the FCRA by allowing XXXX false delinquency to appear or reappear on my credit reports without proper notice or investigation.

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 2025-09-08 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX  XXXX XXXX XXXX which XXXX XXXX XXXX XXXX confirmed would be removed but remains on my report ; it is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm.

For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: MD

Complaint narrative:
Subject : Complaint Regarding Harassment Following Equifax/TransUnion Data Breach To Whom It May Concern, I am writing to formally file a complaint regarding harassment I am experiencing from Equifax and TransUnion. I have been contacted repeatedly and requested to verify accounts that are not mine. I did not open these accounts, nor am I responsible for any associated activity.

These issues are the direct result of the Equifax data breach, which affected over XXXX XXXX Americans. I have been unfairly burdened with proving ownership of accounts that are fraudulent and beyond my control. This repeated demand for verification constitutes harassment and is causing significant stress and inconvenience. 

I request the following actions : Immediate cessation of any attempts to compel me to verify accounts that are not mine.

Investigation into the improper handling of my information following the data breach. 

Assurance that my complaint is documented and that I am protected from further harassment related to these fraudulent I trust that the CFPB will take appropriate action to investigate this matter and ensure that my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: CO

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 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 2025-09-07 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: CO

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 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 2025-09-07 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: Nelnet, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft, and I have student loans on there that doesnt belong to me and they are from Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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 writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
This is a formal notice of dispute and demand for immediate correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Truth in Lending Act ( TILA, 15 U.S.C. 1666b ), and Metro 2 Credit Reporting Standards. 

You are currently reporting the following account on my credit profile : Creditor : PennyMac Loan Services , LLC Account Number : XXXX Account Type : FHA Mortgage Date Opened : Reported inconsistently as XX/XX/XXXX and XX/XX/XXXX Original Balance : {$120000.00} Reported Balance : {$140000.00} ( as of XX/XX/XXXX ) Monthly Payment : {$1400.00} Status : Open / In Forbearance Recent Payment : {$1400.00} ( as of XX/XX/XXXX ) Violations & Inaccuracies False Late Payment Reporting You are reporting late payments on this mortgage account. 

Mortgage late payment data, when under forbearance or otherwise excluded, can not be factored into consumer credit scoring models under federal guidelines. 

Reporting late payments under these conditions is a knowing violation of FCRA 607 ( b ) ( maximum possible accuracy ), and has directly damaged my FICO score and creditworthiness.

Conflicting Dates This account shows multiple opening dates ( XX/XX/XXXX vs. XX/XX/XXXX ). 

Inconsistent dates violate FCRA 623 ( a ) ( 1 ) ( A ) by furnishing inaccurate information.

Inconsistent Balance Reporting The original balance is reported as {$120000.00}, while the current balance exceeds the original balance ( {$140000.00} ). 

This discrepancy raises concerns of false balance inflation, which misleads lenders and harms my reputation. 

Improper Classification of Open-End vs. Closed-End Credit This FHA mortgage is being reported in a manner inconsistent with its actual credit terms.

Misclassification creates a false credit profile, misleading other creditors in violation of FCRA 623 ( a ) ( 1 ) ( B ).

Consumer Harm Because of these reporting errors, I can not secure new financing opportunities, refinance my mortgage, or obtain credit to reduce this balance.

I have suffered financial loss, emotional distress, and reputational harm directly due to your unlawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This company refuses to acknowledge the proof of documentation Ive provided to them explaining that the debt they claim I owe was paid in full before moving out. Ive provided email conversations, even XXXX shows paid in full on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CO

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 2025-09-07 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: CA

Complaint narrative:
To : XXXX XXXX XXXX XXXX, Equifax Inc. 

Subject : Urgent Follow-Up : Continued Reporting of Inaccurate Credit Data Immediate Action Required Dear XXXX XXXX & CFPB : I am writing to follow up on my previous complaints and communications regarding ongoing and serious inaccuracies being reported on my Equifax credit file. Despite prior efforts to resolve these issues, Equifax continues to report inaccurate and outdated information across multiple accounts, materially affecting my creditworthiness. 

Specifically : XXXX XXXX : This account has carried a {$0.00} balance for months, yet Equifax continues to report it as maxed out, despite the furnisher advising that updates have been sent repeatedly. 
XXXX XXXX of XXXX : This account has been paid in full since XX/XX/year>, yet it continues to report a balance of {$660.00}, falsely reflecting it as maxed out. 

Additionally, accounts that were previously removed or marked as fraudulent ( per my communication with agent XXXX in XX/XX/year> ) have been reinserted without proper notice, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). Some of these accounts were aged off, early excluded, or were never authorized in the first place. 

This has caused a significant, unjustified drop in my credit scorenearly XXXX pointsat a time when I am actively mortgage shopping. The continued inaction from Equifax is not only deeply distressing but also appears to be in direct violation of your obligations under : Fair Credit Reporting Act ( FCRA ) requiring accurate and up-to-date reporting of consumer information. 

Fair Debt Collection Practices Act ( FDCPA ) prohibiting deceptive or unfair reporting or collection practices. 

Furthermore, my previously assigned advocate, XXXX XXXX XXXX ), who was assisting me diligently, has not responded to my urgent requests in over two weeks. This merits either her immediate re-engagement or reassignment to a responsive consumer advocate no later than Monday, XX/XX/year>. 

Please understand the gravity of this matter : I am attempting to resolve these issues directly and amicably, without the need for additional regulatory complaints or civil action. However, continued non-compliance will leave me no choice but to escalate appropriately. 
I respectfully request direct contact today to confirm receipt of this message and to begin a swift resolution to the above concerns. I trust Equifax, under your leadership, will prioritize compliance with federal law and the fair treatment of consumers. 

Sincerely, XXXX XXXX XXXX XXXX M

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: OH

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 explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc.
State: VA

Complaint narrative:
I have contacted ( by phone ) the debt collect at XXXX and requested information used to collect the debit in order to verify/dispute the debt. Each time I am given the run around the the call is disconnected. I have not received the information Ive requested and believe this should be taken off my credit until I am able to view the information used to collect this debt

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