vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
My accoun 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 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 2025-04-07 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: GA

Complaint narrative:
My accoun 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 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, On XXXX XXXX XXXX I received an email from XXXX XXXX, a legal assistant for XXXX XXXXXXXX XXXX  XXXX. The email stated that I, XXXX XXXX, was listed as a receivable account in connection with a defaulted loan involving a company called XXXX XXXX XXXX. The email included an attachment containing contract and transaction details, specifically showing a XXXX transaction of {$600.00} under my name. 
I want to make it clear that I have no affiliation with XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, or any of the entities mentioned in the email. I have never conducted business with these companies nor authorized my information to be used in any financial transactions related to them. This situation is evidence that I am a victim of identity theft, as my personal information has been used without my knowledge or consent. 
In response to this fraudulent activity, I have filed a police report with the XXXX XXXX XXXX XXXX ( Case Number : XXXX ). Additionally, I am aware that my personal data has been exposed in multiple data breaches involving credit reporting agencies. After reviewing my credit reports, I have identified inconsistencies across the three major credit bureaus.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681c-2 ), I am formally requesting a fraud alert and the blocking of any fraudulent accounts or transactions associated with my identity. The FCRA mandates that credit reporting agencies must remove fraudulent information from a victims credit file upon receipt of proof of identity theft. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692c ), debt collectors are prohibited from contacting consumers regarding debts that do not belong to them. This continued harassment and misuse of my information are violations of my consumer rights. 
Due to this fraudulent activity, I have been unable to secure assets and make financial progress. My privacy has been violated, and my credit profile is being used unlawfully. If this matter is not resolved promptly, I will be forced to pursue legal action to protect my rights. 
I expect immediate action to correct my credit profile by removing any fraudulent activity associated with my identity. Please confirm receipt of this letter and provide a timeline for resolution. 
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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-07 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: CA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-04-07 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 2025-04-07 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX To : Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX RE : Identity Theft Dispute Unauthorized XXXX Credit Card Account and Fraudulent Address To Whom It May Concern, I am writing to formally dispute an account and address appearing on my credit reports, which are clear indications of identity theft. I am a victim of identity theft, and I have never applied for, opened, or authorized any account with XXXX XXXX, nor have I ever resided at the address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

The unauthorized account in question is being reported by all three major credit bureaus ( Equifax, Experian, and TransUnion ) as a XXXXXXXX XXXX credit card account with an outstanding balance of {$1700.00}. The partial account number is : XXXX. 

I request that this account and the fraudulent address be permanently deleted from all my credit reports. Furthermore, I demand that this matter be thoroughly investigated under the protections afforded to me by federal law. 

Supporting Legal Grounds : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, I have the right to block any information from my credit report that results from identity theft. I am asserting my rights under : FCRA 605B ( 15 U.S.C. 1681c2 ) which requires consumer reporting agencies to block fraudulent information from a consumers file within four business days of receiving appropriate documentation.

FCRA 611 ( 15 U.S.C. 1681i ) which mandates credit reporting agencies to investigate disputes within 30 days of receipt.

FCRA 623 ( 15 U.S.C. 1681s2 ) which requires furnishers of information ( such as XXXX XXXX ) to conduct an investigation when notified by the credit bureau of a dispute. 

Please find enclosed the following documentation to support my dispute : A copy of my government-issued ID A copy of a utility bill to verify my address A copy of my FTC Identity Theft Report ( if available ) A written statement of dispute I request that you : Immediately block and remove the unauthorized XXXXer Bank account ( Acct : XXXX ) from all of my credit reports. 

Remove the fraudulent address : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. 

Confirm in writing once these items have been permanently removed and resolved. 

Failure to act within the time frame required by law may result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and potential legal action for willful non-compliance with the FCRA. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Per the FCRA, all furnhing must be accurate, fair, and complete. Equifax, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX are all violations of the federal laws. XXXX, and XXXX are reporting two diffrent findings for example 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Per the FCRA, all furnhing must be accurate, fair, and complete. Equifax, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX are all violations of the federal laws. XXXX, and XXXX are reporting two diffrent findings for example 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 2025-04-07 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: AL

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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, This is a formal and final response regarding Wells Fargos continued monthly reporting of a previously charged-off and closed account. While the tradeline is marked as Closed and Charged Off, Wells Fargo continues to report the notation CO ( Charge-Off ) every single month following the original charge-off date. 

This is illegal and misleading. 

Per FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information must not report information that it knows or should know is inaccurate. Updating a tradeline every month with a CO after a final charge-off has already occurred is : 1. Not required under federal law 2. Misleading to lenders and underwriters pulling the report 3. A form of re-aging and credit suppression, designed to appear as active derogatory behavior rather than a closed and resolved delinquency This practice artificially extends the impact of the original charge-off and damages my credit score by continuing to show a rolling delinquency that should not exist. It also confuses credit scoring models, making it appear as if the account is in repeated default rather than reflecting a singular event years ago. 

Retaliatory Behavior After Dispute Following my lawful dispute of this tradeline under FCRA 611, Wells Fargos behavior escalated. Their renewed monthly CO updates appear to be a direct retaliatory act, and may constitute harassment or abuse under FDCPA 15 U.S.C. 1692d, as well as a deceptive and coercive act under 1692e ( 8 ) by communicating false implications to third parties checking my report.

Credit professionals know what a Charge-Off means. It does not need to be stamped on my report every single month for the next seven years. That is not transparencythat is harassment.

Supporting Evidence I have : Prior credit reports showing the monthly CO notation The original charge-off date Legal research showing this practice violates both the FCRA and consumer protection norms Screenshots showing Wells Fargos reentry into collection after my dispute -- - Requested Action 1. Cease and desist all further monthly reporting of CO or any equivalent language following the original charge-off.

2. Correct and suppress the rolling CO notations in past monthly entries to reflect only the original charge-off date.

3. Be advised : I am fully prepared to pursue this in small claims court or higher venue and will submit the required evidence under oath. I have no doubt in the strength of my case. 



Wells Fargos conduct violates federal law, credit industry best practices, and basic decency. Let this serve as notice : I am not intimidated, and I will pursue every lawful remedy available to stop this abuse. 

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 non-monetary relief
Consumer complaint received 2025-04-07 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX I don't have any other name no nickname or alias.never had.I have one address only XXXX XXXX XXXX XXXX, XXXX XXXXXXXX this is current. the wrong information is being reported on on Transunion and XXXX I would like them to be removed.I am not with an employer they both are reporting wrongful employers.

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 2025-04-07 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: MS

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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: WY

Complaint narrative:
Bridgecrest has demonstrated a complete lack of basic customer service, flexibility, and ethical business practices. I purchased my vehicle through XXXX and unfortunately ended up with Bridgecrest as the lender. It has been the worst customer experience Ive ever had with any company. 

My husband was unemployed for an extended period of time, and we are finally starting to recover financially. I requested to have my due date moved to the XXXX of the monthaligned with my pay schedule. Although Bridgecrest confirmed they received the request, they never followed through. Instead, they claim they were waiting to hear back from me but never made it clear that action was needed on my part. As a result, they have reverted my due date to the XXXX. 

Now they are threatening repossession unless {$430.00} is paid by XX/XX/XXXX at XXXX XXXX XXXX. I have clearly communicated that my pay date is XXXX XXXX XXXX days laterand that XXXX willing to pay in full then. Despite this, Bridgecrest refuses to offer even the slightest bit of flexibility or help. I asked what would happen if I made the payment after XX/XX/XXXX and still had the car in my possession. Their response? There is no guarantee I would still have the vehicle even if I paid. That kind of policy is predatory, heartless, and completely unreasonable. 

To make things worse, the only warning shown on my account dashboard says, " Payment needed on or before XX/XX/year> to prevent repossession assignment. '' There is no mention of a recovery date, and no indication that the car could be taken even if I make the payment shortly after that date. The lack of transparency is astounding. 

I have never dealt with a company that shows this level of rigid inflexibility and complete disregard for customers trying to resolve issues in good faith. Bridgecrest has gone out of its way to not help meand that should concern anyone considering doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 XXXX XXXXXXXX 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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
attempted to fix this matter XX/XX/XXXX requested debt validation with no response spoke with someone and conversation was unprofessional, so I mailed in a cease-and-desist letter In addition, I draw your attention to the recent case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which directly addresses the obligation of creditors and debt collectors under the FCRA. In this case, the court ruled that when a debt collector reports information that can not be properly verified or substantiated, they are in violation of the FCRA and liable for damage caused to the consumer

Company response to consumer: Closed with explanation