vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: VA

Complaint narrative:
XXXX XXXX and DOGE do NOT have clearance to view my personal information or data especially my student loans information or data has viewed my student loan information and data and has broken the contract that is to have my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I called XXXX because on my report, it said I have a deliquent payment for them. I did not take out a loan through XXXX, so I called, the lady on the phone, said the last payment was made XXXX of XXXX, while the report on my credit report said the last payment was made in XXXX of XXXX. She said the amount paid was around {$900.00} and on my credit report, it says the last payment amount was {$300.00}. She also told me that this loan was transferred from XXXX, in which is a XXXX provider for those who reside or have resided in the state of XXXX. I have never resided in XXXX She was unable to give me any information on who made a payment, or what account made a payment from. She was unable to give me any information other than my name and address and phone number that tells me that this loan is accurate.

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 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I called XXXX because on my report, it said I have a deliquent payment for them. I did not take out a loan through XXXX, so I called, the lady on the phone, said the last payment was made XXXX of XXXX, while the report on my credit report said the last payment was made in XXXX of XXXX. She said the amount paid was around {$900.00} and on my credit report, it says the last payment amount was {$300.00}. She also told me that this loan was transferred from XXXX, in which is a XXXX provider for those who reside or have resided in the state of PA. I have never resided in XXXX She was unable to give me any information on who made a payment, or what account made a payment from. She was unable to give me any information other than my name and address and phone number that tells me that this loan is accurate.

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 2025-03-14 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: VA

Complaint narrative:
I called XXXX because on my report, it said I have a deliquent payment for them. I did not take out a loan through XXXX, so I called, the lady on the phone, said the last payment was made XXXX of XXXX, while the report on my credit report said the last payment was made in XXXX of XXXX. She said the amount paid was around {$900.00} and on my credit report, it says the last payment amount was {$300.00}. She also told me that this loan was transferred from XXXX, in which is a XXXX provider for those who reside or have resided in the state of XXXX. I have never resided in XXXX She was unable to give me any information on who made a payment, or what account made a payment from. She was unable to give me any information other than my name and address and phone number that tells me that this loan is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Practices XXXX, XXXX XXXX XXXXXXXX This is not a request for verification or proof of my mailing address, but it request for validation made pursuant To the above name and title section. I have respectfully requested that your office provide me with competent evidence that I have any legal obligation to pay you. 
( I have not supplied proof under the doctrine of XXXX by silence, XXXX v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact, therefore exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is a **follow-up to my original CFPB complaint ( # XXXX ), filed on XX/XX/year>, and my revised complaint submission ( # XXXX ). ** Despite my initial dispute, **XXXX  and Capital One have failed to investigate and resolve my complaint within the legally required XXXX timeframe under the Fair Credit Reporting Act ( FCRA XXXX681i ( a ) ( 1 ) ( A ) ). ** My original dispute was submitted on XX/XX/year>, regarding XXXX Ones incorrect reporting of my charge-off account. By XX/XX/year>, the XXXX deadline had expired with no resolution from either XXXX or Capital One. On XX/XX/year>, Capital One falsely claimed they attempted to contact me on XX/XX/XXXX and XX/XX/XXXX, yet I never received any calls. Additionally, XXXX continues to inaccurately report this account, violating FCRA 1681s-2 ( a ) ( 1 ) ( B ). 

XXXX and Capital One have committed multiple violations under the FCRA, including failure to investigate within the required XXXX timeframe ( 1681i ( a ) ( 1 ) ( A ) ), illegal re-aging of a charged-off account ( 1681s-2 ( a ) ( 1 ) ( B ) ), and failure to follow the 7-year reporting rule ( 1681c ( a ) ( 4 ) ). I have provided supporting evidence, including Capital Ones misleading response letter dated XX/XX/year>, which proves their delayed and false response ; proof of my original dispute submission on XX/XX/year>, confirming that the XXXX deadline had expired ; and screenshots/logs proving that I was not contacted on the dates Capital One claimed. 

Due to their failure to comply with federal credit reporting laws, I am requesting the **immediate deletion of the disputed Capital One account from my credit report, written confirmation of the deletion, and an explanation of their non-compliance. ** If this issue is not resolved immediately, I will escalate further by filing a complaint with the FTC for willful FCRA violations and pursuing legal action under FCRA 1681n, which allows for statutory damages, punitive damages, and attorney fees for non-compliance. I demand an **urgent resolution. **

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: NV

Complaint narrative:
Company sends repeated emails, but has failed to provide debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I deposited XXXX XXXX dollar bills into my banks ATM but it only showed I deposited XXXX dollars and the ATM was out of paper. I immediately drove around to the teller and informed her of the discrepancy. I was told that she would call me later to fill out a paper concerning the matter. I did not receive a phone call so I drove back to the teller on the next morning XX/XX/XXXX and I then filled out a paper that I was instructed to do and that the XXXX dollars that I did not get would be immediately deposited into my checking account. The money was never deposited so I called on XX/XX/XXXX spoke to the branch manager who then told me the the money in the ATM was all accounted for and that I had to wait 2 more weeks when it is counted again to see if it is XXXX over. I then asked about cameras and I was told that the camera can not see deposits made at the ATM. I then asked if two or more employees counted the ATM and did they make sure no bills were stuck together. I was told it was counted not once but twice. I use this ATM often to make cash deposits and I have never encountered this situation.

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 2025-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WF tried to foreclose on my property when they had lost XXXX payments that were sent in after they sent foreclosure notice. They agreed that the payments were lost as i provided bank transfer records that they could see the payments sent to their bank. They continued to tell me once the foreclosure process started that they couldn't stop it. So two days before the auction day, i sold the property to an investor in a subject to contract. The day after i did this, WF overnighted a letter to me telling me they were going to postpone the sale for another month until they found the payments. I had already sold the property for nothing just to keep a foreclosure off of my record. They never found the payments and i stopped pursuing the issue. I was rendered homeless with my children at the time and neither WF or the investor were willing to help me. I lost all of my investment in that property. 

They also found foreclosure fees during that time which they never should have. They refunded the fees in 2022 but it did not include the 8.5 % interest that Texas requires. They also did not refund all of the fees, only some. They told me when they find an error they dont have to pay interest on money charged inaccurately. 

During the whole life of the loan they moved payments and partial payments into a fund called unapplied. They would send late notices when the money for payment was sitting in unapplied funds. 

Before the foreclosure I applied for assistance and was told i only qualified for a short sale. They are horrible to work with. I have tried on multiple occasions to discuss these matters with them but they still can not see that any wrong action was taken.

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 2025-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I thought it was made illegal for medical bills to even collect any information on you when going to the emergency room/ doctor. I am allowed under the XXXX XXXX Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX physicians of XXXX for them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is for this to be deleted permanently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: CO

Complaint narrative:
Request for Certification of Accuracy of Information Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( XXXX, XXXX. XXXX. ) 15 USC XXXX a ( XXXX ) ; 15 USC XXXX 15 USC XXXX 15 USC XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( b ) & XXXX XXXX XXXX ( XXXX ) ( a ) 15 USC XXXXi ( XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law XXXX, XXXXXXXX XXXX, Section XXXX ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/year>2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-15 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 2025-03-15 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 2025-03-15 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account numberXXXX Open date : XX/XX/2019. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX TX 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 2025-03-14 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: OH

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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 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