vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: AR

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX  XXXX XXXX BALANCED {$1400.00} XXXX XXXX BALANCED {$860.00} XXXX  XXXX BALANCED {$1200.00} XXXX XXXXXXXX BALANCED {$1700.00} XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX 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  XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to request the immediate removal of an inaccurate late payment entry that still appears on my credit report across all three major credit bureaus XXXX XXXX  and XXXX 

I initiated a dispute through XXXX XXXX regarding this entry, and the investigation confirmed that the negative information had been reported in error by the creditor. The dispute was resolved in my favor, yet the late payment record remains listed in my credit history. 

This ongoing error is negatively impacting my credit standing, despite the official correction. Therefore, I am requesting that your bureau remove the inaccurate late payment entry without further delay, in full compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute several unrecognized inquiries on my credit report, which I believe may be errors or potential fraud. Additionally, I am requesting your assistance in removing a late payment from crdit report, ], which was a genuine mistake and not indicative of my usual payment behavior. I have made sure to put the card up-to-date and paid the late fees, I would appreciate your help in addressing these issues and ensuring the accuracy of my credit report. Please let me know if further information or documentation is needed. My account number fo XXXX Name : XXXX XXXX XXXX XXXX SS : XXXX Email : XXXX Phone 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 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
there are inaccurate address and phone numbers that are not my valid information. Also inaccurate negative accounts on 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 2025-04-24 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: MI

Complaint narrative:
there are inaccurate address and phone numbers that are not my valid information. Also inaccurate negative accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-24 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: Experian Information Solutions Inc.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Upon attempting to log in to my account, I was referred to call the number on the back of my credit card. When talking to the representatives I was told my account was closed. As I inquired on the reason, they stated it was due to inactivity. I was confounded by their response since I was regularly checking my online account and had even reddens rewards points a few months earlier and received a check in the mail. No formal written, or spoken notice was given prior to the closing of the account and the representatives, including the supervisor stated that there was nothing they could do. I was notified during this phone call that my account was closed on XX/XX/year>, but somehow was notified on XX/XX/XXXX of the closure. I would not, and do not authorize this closure since this is my longest standing credit account and it will most likely negatively impact my credit score. I have not received a satisfactory resolution, response, or documentation.

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunnova Energy Corporation
State: CA

Complaint narrative:
I signed a contract with Sunova to have solar panels and a battery installed. Sunova is filing bankruptcy. They did not finish the work and now they did not pay expo energy for the installment. XXXX XXXX is trying to put a lien on my home. I have called/emailed Sonova every day to try to resolve this and they tell me they are working on it. I signed a contract XX/XX/year>. I did not sign a contract with XXXXXXXX XXXX. I was not informed they would be involved. I have a contract with Sunova.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-25 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Padfield & Stout, LLP
State: TX

Complaint narrative:
I am filing this formal dispute and complaint against XXXX XXXX XXXX ( XXXX ) for pursuing a lawsuit during a period in which I was protected under federal bankruptcy law. 
I filed for bankruptcy in Texas XXXX District Bankruptcy Court on XX/XX/year>, and the case was active during the time XXXX initiated or continued legal action against me ( Cause No. XXXX ). 

My Bankruptcy Case Numbers are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail " with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I did not give this company permission to sell my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Reporting To Whom It May Concern, I am writing to dispute the unauthorized furnishing of my consumer report by your organization. I recently discovered that my credit report contains information that was reported without my knowledge or consent, and without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. it's also violating the FCRA It was removed from my credit report XX/XX/XXXX, and placed back on my report without notifying me within 5 days of furnishing my report. 



inaccurate information currently being reported on my Equifax credit file. After reviewing my credit report, I have identified the following item ( s ) that I believe are incorrect and need to be investigated and removed or corrected : [ Describe the item ( s ) in dispute ] Example : Account Name : XXXX XXXX Account Number : XXXX Worst delinquency : 30 days past due Opened : XX/XX/XXXXXXXX  Payment Status : Pays account as agreed Balance : XXXX These are inaccuracies reporting to Equifax as of XX/XX/XXXX Reason for Dispute : I never had any account with this company and did not authorize this reporting. It has inaccurate Payment history, inaccurate payment status ( Paying as agreed ) and it states 30 days late this is damaging my credit profile. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax, Experian, and Transunion investigate this matter and correct or remove the erroneous information from my credit report. Please provide written confirmation once the investigation is complete, and documentation showing how your findings were verified. 



I have not authorized any inquiry, application, or transaction that would justify your company furnishing or accessing my consumer report. I therefore request the following : 1. A complete explanation of the basis and legal grounds under which my report was accessed or information was furnished.

2. The name of the entity or entities to whom my information was furnished.

3. Immediate deletion of any unauthorized information from my consumer report.

4. Written confirmation that my file has been corrected and that no further unauthorized access or furnishing will occur. 



Please consider this a formal dispute under the FCRA, and be advised that you are required to investigate and respond within 30 days. I have included a copy of my identification and a utility bill to verify my identity. 



Failure to resolve this issue promptly may result in complaints being filed with the Federal Trade Commission ( FTC ), and other appropriate authorities. I also reserve the right to seek legal remedies. 



Sincerely, 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 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Reporting To Whom It May Concern, I am writing to dispute the unauthorized furnishing of my consumer report by your organization. I recently discovered that my credit report contains information that was reported without my knowledge or consent, and without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. it's also violating the FCRA It was removed from my credit report XX/XX/XXXX, and placed back on my report without notifying me within 5 days of furnishing my report. 



inaccurate information currently being reported on my Equifax credit file. After reviewing my credit report, I have identified the following item ( s ) that I believe are incorrect and need to be investigated and removed or corrected : [ Describe the item ( s ) in dispute ] Example : Account Name : XXXX XXXX Account Number : XXXX Worst delinquency : 30 days past due Opened : XX/XX/XXXXXXXX  Payment Status : Pays account as agreed Balance : XXXX These are inaccuracies reporting to Equifax as of XX/XX/XXXX Reason for Dispute : I never had any account with this company and did not authorize this reporting. It has inaccurate Payment history, inaccurate payment status ( Paying as agreed ) and it states 30 days late this is damaging my credit profile. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax, Experian, and Transunion investigate this matter and correct or remove the erroneous information from my credit report. Please provide written confirmation once the investigation is complete, and documentation showing how your findings were verified. 



I have not authorized any inquiry, application, or transaction that would justify your company furnishing or accessing my consumer report. I therefore request the following : 1. A complete explanation of the basis and legal grounds under which my report was accessed or information was furnished.

2. The name of the entity or entities to whom my information was furnished.

3. Immediate deletion of any unauthorized information from my consumer report.

4. Written confirmation that my file has been corrected and that no further unauthorized access or furnishing will occur. 



Please consider this a formal dispute under the FCRA, and be advised that you are required to investigate and respond within 30 days. I have included a copy of my identification and a utility bill to verify my identity. 



Failure to resolve this issue promptly may result in complaints being filed with the Federal Trade Commission ( FTC ), and other appropriate authorities. I also reserve the right to seek legal remedies. 



Sincerely, 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion : XXXX XXXX XXXX, XXXX XXXX PA XXXX RE : Unauthorized Inquiry The purpose of my letter is to dispute the following inquiries that are wrong and unauthorized. Please remove them from my Transunion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely, 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 2025-04-25 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: CA

Complaint narrative:
According to FCRA section 605b. It is illegal to report any information en my credit profile without my permission. Please remove this negative item from my credit report. Thank You

Company response to consumer: Closed with explanation