vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: FL

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 XXXX 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 XXXX  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 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 2025-05-03 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: FL

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 XXXX 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 XXXX  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 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 2025-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was charged ~ {$2000.00} in retroactive deferred interest. On a call with Synchrony on or around XX/XX/XXXX, a rep offered me a 50 % reduction. I declined at the time but called back to accept it. Synchrony then claimed there was no record of the offer. 

My case was escalated to corporate, and I was allegedly mailed a denial letter to my home address which i never received. 

This feels like deceptive handling an offer was made in good faith and then erased. I have now escalated to Synchronys executive team as well, requesting they honor the original 50 % resolution. Im requesting CFPB help to ensure fair treatment and proper call review.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Someone stole my identity and open to credit card under my name. 

Amex and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: MI

Complaint narrative:
First Point Collections Agency located in XXXX, NC attempts to collect an unauthorized debt which is not owed from XXXX XXXX on my equifax report. Ive paid the balance before it gotten into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-03 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: TX

Complaint narrative:
Subject : FINAL NOTICE Willful Noncompliance under FCRA 616 Immediate Deletion Demanded ( XXXX XXXX XXXX ) This is my third and final dispute regarding an account reported by XXXX XXXX XXXX on my Experian credit file. Despite multiple formal disputes, your agency continues to report this derogatory account without proper validation or investigation, in clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 616. 

Account Details in Dispute : Creditor : XXXX XXXX XXXX Account Number : XXXX * * * * Reported Balance : {$10000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Collection/Chargeoff Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Only appearing on : Experian ( not reported by TransUnion or Equifax ) Grounds for Legal Action : Inaccurate and Isolated Reporting : This account is being reported only by Experian, which calls into question the validity and accuracy of the data. If the debt were legitimate and verifiable, it would be consistently reported across all bureaus. 

No Proper Validation Provided : I have formally requested full validation of this alleged debt including contracts, account history, and proof of assignment. To date, I have received no legally sufficient documentation in response. 

FTC Complaint Filed : I have reported this ongoing issue to the Federal Trade Commission due to Experians repeated failure to comply with investigation and verification requirements. 

Your agency is now on notice. This is no longer a question of oversight your continued reporting without proper verification, and in disregard of prior disputes, constitutes willful noncompliance under FCRA 616 and potentially 617.

Maintaining inaccurate or unverified information after formal notification may constitute willful noncompliance under FCRA 616 and exposes your institution to legal liability for punitive damages.

Final Demand : If this account is not deleted within five ( 5 ) calendar days of your receipt of this letter, I will : Take legal action against Experian for violations of FCRA 616 and 617 Seek statutory damages, punitive damages, and attorneys fees I demand written confirmation of the accounts deletion immediately. If no resolution is provided by the stated deadline, I will proceed with legal action without further notice.

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 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TNT Financial, Inc.
State: MI

Complaint narrative:
Its been over XXXX years and its still showing up on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I discovered that several accounts on my credit report were opened in my name without my consent. These accounts were a result of identity theft, and I did not authorize any of the transactions associated with them. 

I reported this to the relevant companies and have taken necessary steps to protect my identity, such as placing fraud alerts on my credit and filing a police report. I am requesting that these accounts be removed from my credit report as they were opened fraudulently.

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 2025-05-03 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report as provided by your bureau. I obtained a copy of my credit report, which includes information that I believe is incorrect. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information in my file that I believe is inaccurate or can no longer be verified. 

* * Credit Report Information in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  - Account Type : Secured Credit Card Based on my records and payment history, the following issues need addressing : - The * * balance reported * * and * * account status * * of the above accounts may not accurately reflect my payment history, particularly as it relates to any charge-off amounts.

- I request a thorough investigation into these discrepancies per Section 604, 605, and 607 of the FCRA, which state : - Section 604 : [ 15 USC 1681b ] XXXX XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports. 
- Section 605 : [ 15 USC 1681c ] XXXX XXXX XXXX XXXX XXXX - Information excluded from consumer reports. 
- Section 607 : [ 15 USC 1681e ] XXXX XXXX XXXX XXXX XXXX - Compliance procedures. 

In accordance with these provisions, I kindly request an investigation to verify this information and, if found inaccurate, request that you notify the furnishers to update or delete this information from my credit report. 

Additionally, I have included supporting documentation to further substantiate my claims. 

Please respond to me in writing regarding your investigations outcome within the time frame stipulated under the FCRA. 

Thank you for your attention to this matter. 

Sincerely,

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 2025-05-03 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: WSFS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report as provided by your bureau. I obtained a copy of my credit report, which includes information that I believe is incorrect. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information in my file that I believe is inaccurate or can no longer be verified. 

* * Credit Report Information in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account Type : Secured Credit Card Based on my records and payment history, the following issues need addressing : - The * * balance reported * * and * * account status * * of the above accounts may not accurately reflect my payment history, particularly as it relates to any charge-off amounts.

- I request a thorough investigation into these discrepancies per Section 604, 605, and 607 of the FCRA, which state : - Section 604 : [ 15 USC 1681b ] XXXX XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports. 
- Section 605 : [ 15 USC 1681c ] XXXX XXXX XXXX XXXX XXXX  - Information excluded from consumer reports. 
- Section 607 : [ 15 USC 1681e ] XXXX XXXX XXXX XXXX  ) - Compliance procedures. 

In accordance with these provisions, I kindly request an investigation to verify this information and, if found inaccurate, request that you notify the furnishers to update or delete this information from my credit report. 

Additionally, I have included supporting documentation to further substantiate my claims. 

Please respond to me in writing regarding your investigations outcome within the time frame stipulated under the FCRA. 

Thank you for your attention to this matter. 

Sincerely,

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 2025-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions LLC
State: SC

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was contacted regarding my medical debt of {$2000.00} and offered a {$500.00} discount on my debt with a XXXX month payment plan by an associate at Receivable Solutions LLC, but my phone died and I did not complete the process with that associate. At XXXX, I called them back. When my call was answered, me and a lady greeted eachother and I said " I would like to pay my bill. '' She then asked for my name and date of birth. She didnt ask for any specific amount or if I wanted to do a payment plan, so I thought we would talk about it later. After I gave her my name and date of birth, she asked for my card information. I thought that this might have been a little soon for my card information, but I thought that I would have time after I gave her my card information to tell her about my payment plan and discount that I had been offered before in my first interaction. I gave her my card information and as soon as I finished my card information, she INSTANTLY ran my card as soon as I finished the last number. I heard a message DING on my phone and I look and saw " Thank you for your payment ... of {$2000.00} '' which I almost gasped because the lady never asked me any amount or payment options. While this is going on shes asking something along the lines of " do you authorize this transaction? '' I interrupt saying " did you already run my card? '' She says she did. I am speechless at this point and she continues saying it was because their " new system '' automatically runs the card when they finish putting it in... I ask her since there was obviously a miscommunication and basically no communication on her part about the bill or specific amounts if she could refund or cancel the payment to which she said " let me ask my supervisor '' and when she came back she said " we can not refund or cancel the payment. You will have to dispute the payment with your bank. '' This was the last time I contacted Receivable Solutions LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CT

Complaint narrative:
I am disputing a XXXX XXXX XXXXXXXX XXXX account reporting on my credit report. The account was closed in XXXX but it continues to report a pattern of severe delinquencies, including XXXX, XXXX, XXXX, and XXXX late payments, which I believe are inaccurate. I was never notified of these alleged delinquencies, and the information is outdated and damaging. I requested an investigation, and XXXX responded without correcting the inaccuracies or providing proper documentation. This may violate FCRA 1681s-2, which requires furnishers to report accurate information and conduct a reasonable investigation when notified of a dispute.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Since XX/XX/year>, I have been making regular payments to Capital One on a closed credit card account. I have paid over {$700.00} total, including larger payments such as {$110.00} in XXXX and {$150.00} in XXXX, as well as consistent payments between {$40.00} and {$60.00} in other months. Despite these efforts, my balance has barely decreasedonly about {$150.00} total has been applied to the actual debt. 

Each month, Capital One continues to charge around {$30.00} to {$35.00} in interest, along with repeated {$40.00} late fees, even after I make payments. These charges are consuming nearly all of my payments. I have contacted Capital One several times, including speaking to a XXXX, and asked for help such as freezing interest, waiving fees, or offering a settlement. I was told no assistance was available. 

I am not avoiding repayment. I am trying to resolve this account, but the structure of the charges prevents any real progress. I am asking that Capital One stop applying interest and late fees, or offer a fair settlement so that I can pay the remaining principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My Credit Report says : PENTAGON FEDERAL CR UN Date opened XX/XX/XXXX Status Account charged off. {$30000.00} written off. 
{$21000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$29000.00} However, I have a Notice of Deficiency letter from PenFed which states : Original balance as {$29000.00} LESS Gross Sales Proceeds from an Auction on the vehicle : {$9600.00} EQUALS Balance before Sales Expense at {$19000.00} PLUS, SALES/COLLECTIONS EXPENSE AT {$1100.00} LESS REFUNDS/REBATES/CREDITS OF {$5.00} PLUS ITEREST/CHARGES OF {$1300.00} FOR A GRAND TOTAL OF {$22000.00} None of the numbers are right and this car is not in my possession. And PenFed wrote it off for {$30000.00}.

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