vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposit XXXX dollar to open credit card with bank of America account two years later they have not open credit card continue with my deposit I close the credit card three months ago and they have not returned my deposit. I called them several time and they said the next 7 days and still haven't returned my money.

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 2025-03-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My account 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.

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 explanation
Consumer complaint received 2025-03-13 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-13 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
Got a letter back in XXXX from them with little to no information on the debt owed. I tried requesting letters of debt validation on multiple occasions over the years first shortly after receiving the letter and then once in XXXX and XXXX. I have disputed this account a few times via XXXX but this account has stayed on my record and I still have no idea what this debt was for. It claims to be from XXXX XXXX XXXX XXXX XXXX but I did not use their services. The date of the account keeps being pushed forward so it won't just fall off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my 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 2025-03-13 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: TX

Complaint narrative:
In review of my credit profile I saw some inquiries that did not belong to me.

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 2025-03-13 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-03-13 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: MI

Complaint narrative:
My financial information was accessed by individuals working for DOGE without my knowledge or consent. This breach occurred when DOGE unlawfully gained access to the Department of Education 's information and records. This is a breach of my privacy as well as putting my financial security at risk. My banking information is tied to those loans as well as my credit score and my borrowing power. Furthermore, the individuals that accessed that information have not been verified that they meet the proper security credentials and may have distributed my information elsewhere without my knowledge. The Department of Education and DOGE were not willing to communicate what information was accessed, what was done with said information, and what the purpose was for them to access my information without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-03-13 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report with XXXX XXXX XXXX ( account # XXXX ) and XXXX XXXX ( account # XXXX ) that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these late payments as it is incorrect and does not reflect my true credit history and According to FCRA Section 605B. It's illegal to report anything without my permission. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized disclosure of my student loan information to XXXX XXXX and/or his affiliated companies. I understand that student loan data, which includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ), has been accessed by these parties without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and ii am extremely concerned about the potential misuse of my private data. At this current time XXXXXXXX I no longer have access to my Master Promissory Note signed with my College.

This unauthorized access and removal of my Promissory Notes from my record appears to be a direct violation of my rights under FERPA. The information contained within the student loan database, including my social security number, financial records, and other sensitive personal details, requires the highest level of confidentiality. The lack of any legitimate educational purpose for XXXX XXXX 's access to this data further compounds the severity of this breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am writing to formally notify TransUnion for not properly investigating and CPFB for not doing enough to prevent TransUnion from continuously violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as an official notice and a request for immediate corrective action. 
Specifically, TransUnion has violated my rights under the FCRA in the following manner ( s ) : ACCOUNT 1 ) XXXX XXXX XXXX XXXX  - FOR YEARS HAVE REPORTED THIS ACCOUNT INCORRECTLY, BALANCE, AND PAYMENT HISTORY IN THE AMOUNT OF {$7700.00} ACCOUNT XXXX ) XXXX XXXX XXXX XXXX - FOR YEARS HAVE REPORTED THIS ACCOUNT INCORRECTLY, BALANCE, AND PAYMENT HISTORY IN THE AMOUNT OF {$1700.00} ACCOUNT XXXX ) XXXX XXXX THIS IS NOT ASSOCIATED WITH ME. 

Failure to maintain accurate and up-to-date information on my credit report, in violation of 15 U.S.C. 1681e ( b ).

Failure to properly investigate a dispute regarding inaccurate information on my credit report, as required by 15 U.S.C. 1681i.

Providing my credit information to unauthorized third parties without my consent, in violation of 15 U.S.C. 1681b.

As a result of these violations, I have suffered harm, including [ explain the consequences, such as denied credit, higher interest rates, emotional distress, etc. ].

I demand that TransUnion AND CFPB take the following actions immediately : REMOVE ALL THREE ITEMS LISTED ABOVE Provide me with a detailed report on the investigation conducted regarding my disputes.

Cease and desist from sharing my credit information with unauthorized third parties.

Please consider this letter a formal demand for compliance with the FCRA. If these issues are not addressed within [ reasonable time frame, e.g., 30 days ] from the date of this letter, I will have no choice but to pursue legal action to protect my rights.

I expect a written response detailing the actions TransUnion AND CFPB has taken to resolve these matters.

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 2025-03-13 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: FL

Complaint narrative:
I have reached out to Experian and XXXX multiple times to clear a debt reported by XXXX XXXX XXXX that is inaccurate. I HAVE asked for validation, they reached out and validated it as " accurate '' yet failed to respond to my request about my itemized bill and the original contract stating where I agreed to pay this alleged debt that has been violated under the FDCPA and FCRA. I have not received an original itemized bill and a contract with my wet ink signature which means this collection and alleged debt is inaccurate and has been falsely marked as a validated debt, I am asking for the parties involved and for all three credit bureaus to delete this collection.

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 2025-03-13 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: FL

Complaint narrative:
I have reached out to XXXX and Equifax multiple times to clear a debt reported by XXXX XXXX  XXXX that is inaccurate. I HAVE asked for validation, they reached out and validated it as " accurate '' yet failed to respond to my request about my itemized bill and the original contract stating where I agreed to pay this alleged debt that has been violated under the FDCPA and FCRA. I have not received an original itemized bill and a contract with my wet ink signature which means this collection and alleged debt is inaccurate and has been falsely marked as a validated debt, I am asking for the parties involved and for all three credit bureaus to delete this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have attempted to pay off my loan today, XX/XX/year>, but I have been informed that XXXX will not process my payment until Monday, XX/XX/year>, causing me to incur additional interest charges. 
I request that my loan be paid in full today, with an accurate payoff amount reflecting todays date, rather than being delayed for additional interest accrual. I am willing to make the payment via any available expedited method, including a same-day wire transfer, to ensure that the balance is cleared immediately. 

I am concerned that delaying my payoff is not only financially harmful but may also be in violation of fair lending practices and consumer protection laws, including : 1. The Truth in Lending Act ( TILA ) which requires transparency in loan servicing and the fair application of interest and payments.

2. Unfair and Deceptive Practices ( UDAAP ) under the Consumer Financial Protection Bureau ( CFPB ) Any delay in processing a valid payoff request to generate additional interest may be considered a predatory lending practice.

3. State Lending Laws Many states prohibit lenders from delaying payoff requests in a way that unfairly increases borrower costs.

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 2025-03-13 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: GA

Complaint narrative:
Filed several disputes with XXXX, TransUnion, and XXXX, in a span of 6 months only to be told the information is accurate and will remain on my credit report. I also asked for debt validation under 15 USC 1692G : - [ ] Full detail list of payments - [ ] Insurance claim filed - [ ] Original signature that I agreed to - [ ] Chain of title that you have 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 non-monetary relief