vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: PA

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

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

I demand the late payment to be updated.

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

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

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

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


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


Update the late payments from my consumer reports

Company 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 2025-04-03 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: PA

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

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

I demand the late payment to be updated.

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

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

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

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


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


Update the late payments from my consumer reports

Company 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to dispute my credit report to open a credit card, but Experian required me to create an account. When I attempted to sign up, they couldnt verify my identity and asked me to call them. After waiting XXXX minutes to finally speak with a representative, they said they couldnt help and transferred me to another departmentonly to send me back to an automated system.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV FUNDING LLC ( account in litigation plaese remove off credit report ) Last reported XX/XX/year> {$970.00} Open balance LVNV FUNDING LLC Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding Equifax 's failure to ensure accurate credit reporting and compliance with the **Fair Credit Reporting Act ( FCRA ) **. Despite my previous dispute with Equifax, they continue to inaccurately report the account labeled " XXXX XXXX '' on my credit file. 

Equifax has reported this account as " Included in Bankruptcy, '' with a worst delinquency of " 60 days past due. '' This information is not only inaccurate but also inconsistent with data reported by other agencies. Despite my prior dispute, Equifax wrongfully claimed that the information was verified with the furnisher, XXXX. However, XXXX has not communicated with Equifax to validate this information, rendering the data unverifiable. 

Under **Section 605B of the FCRA**, Equifax is obligated to remove unverifiable information from my credit report within four days of my dispute. Additionally, Equifax 's failure to provide accurate data violates **15 U.S.C. 1681e ( b ) **, which requires consumer reporting agencies to ensure maximum accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Comenity Zales is calling everyone on the planet telling them that I am behind on my payments. They have called my daughter and my ex-wife from 26 years ago. None of these people need to know anything about my financial problems. 

I have not given them permission to call them. Nor should they have any of their information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to follow up on a prior complaint I submitted regarding LVNV Funding. In their response, they claimed to have mailed me billing statements ; however, this is false. I have not received any such correspondence from them. 
Furthermore, despite my request, the company has failed to provide any proof that these statements were actually sent. This misrepresentation and lack of accountability are unacceptable, and I urge the CFPB to take further action to ensure the company provides verifiable documentation or rectifies this issue appropriately. 
Please investigate this matter thoroughly, as their deceptive practices are causing undue hardship. I appreciate your prompt attention and look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Chime Financial Inc
State: IN

Complaint narrative:
I had an error at a hotel in which they charged my card in error. I disputed this transaction with chime and ended up losing the dispute. Once I lost the dispute I wanted to pay the negative balance but the agent prompted me that there is nothing I can do about this balance on my credit report. Thats insane and strange. I have the money today to pay for this transaction but chime will not allow me to pay off the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX Wells Fargo had my truck repossed with only owing XXXX. On the whole loan. Did not realize it was XXXX  months behind they never called they never sent anything I never knew was in the middle of doing a sale of the house we had hit hard times and tried to call them and tell them they said it was okay I had very little left owing. This is a XXXX  XXXX XXXX XXXX truck come to find out they had it towed with a regular XXXX now the XXXX is not wanting to work there's also scratches on it. Also my passenger mirror does not want to open and close now come to find out I have a crack in the back driver side Rim that had to go have fixed and had to go by rims for the truck too called that day they just towed it XXXX minutes my soon to be XXXX XXXX paid for it right then, they wouldn't tell her where it was would not give her the stuff inside of it including her XXXX told her she had to make an appointment they wanted to keep that all weekend until Monday which made it extremely hard for her to move around I also had to fill out a paper and have it notarized that she was able to go pick it up this is her truck they were extremely rude and did not care they said they could do whatever they wanted so they had the truck from XXXX XXXX XXXX XXXX  and almost all day XXXX this is ridiculous this truck will be paid off early I think they were hoping that she would not have the money so they could have kept it and sold it and made twice the amount. They also made her pay a close to {$500.00} tow for a regular XXXX not a flatbed which it should have been towed on. That is it outrageous. This company is nothing but crooks.. please help..

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 2025-04-03 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: CA

Complaint narrative:
I am reporting ongoing misconduct and mishandling by American Express regarding XXXX business accounts that were either fraudulently opened or unusable due to system errors. 

On XX/XX/XXXX, during a call with Amexs Fraud Department ( Ref # XXXX ), I confirmed that the XXXX XXXXs Card ending in XXXX had been opened without my knowledge or authorization. I never received or used the card. The account was charged off on XX/XX/XXXX, with a balance of {$2500.00}, and no action was taken despite over a year of attempted outreach. 

The XXXX XXXX XXXX ending in XXXX was never successfully utilized by me. I completed multiple additional identity verification, including facial recognition and other authentication processes as requested by American Express. Despite successful completion of verification, and repeated assurances i was authorized on their end, I was never granted proper access or functionality and was unable to use the card.

The card was nonetheless marked as active internally, and I was informed that fees may apply. File # : XXXX American Express failed to provide documentation, initiate a timely investigation, or halt the accrual of interest/fees after the charge-off. In addition they have proceeded with legal action against me regarding these accounts resulting in worsening credit damage, as well as emotional, mental and financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NJ

Complaint narrative:
I received a letter from Procollect dated XX/XX/XXXX, XXXX stating there was an unpaid debt of {$300.00}. I was not aware of the this debt and per the letter I emailed them at XXXX on XX/XX/year> at XXXX requesting what the debt was for and an itemized breakdown of charges. As of XX/XX/year> I have not received a response. I then received notification from XXXX that I had an unpaid debt. I immediately called Procollect and tried to get more information since I received no response by email. The agent would not answer my questions and told me the debt is valid and she would take payment. I asked what am I paying you for and should would not answer the questions. She said do to the website and said repeated this is a valid debt. Since this was going no where I thanked her and hung up. I called back and the second agent told be to re-request the debt information on the website. He did say they received my email on XX/XX/year> but could not provide me with a description of the debt or itemized breakdown of the charges. It has been more than 30 days since my dispute and request for the details of the supposed debt. Since I received no response from them I would like this debt removed because it is not valid. I would also like it removed from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted a dispute and it came back verified. I resubmitted requesting documents to verify the debt. 
This debt doesnt belong to me and it should not be removed immediately. I was a victim of the Equifax data breach. My privacy and rights are being violated. It has been removed from my XXXX and XXXX XXXX reports. But Equifax is not following the FCRA guidelines when it comes to investigating. 
Account information XXXX XXXX Original creditor XXXX XXXX ( Account reported as a charge off with balance due ) which is not accrue and past the XXXX  year statute of limitations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
NAVY FCU ( XXXX late payments that are incorrect please correct or delete ) Last reported XX/XX/year> {$100.00} Open balance {$500.00} Credit limit Credit limit {$500.00} You're using XXXX  % of your account 's limit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX my prepaid Visa debit card ( ClinCard Powered by XXXX ) was closed without authorization and a new card was issued without authorization and without my knowledge. {$2100.00} was transferred from my original card to the new card. 

On XXXX when I discovered my original Visa debit card had been closed, I contacted ClinCard and they closed the 2nd card and transferred the remaining {$720.00} to a 3rd card and sent this card to me. However, I lost {$1300.00} in the process.

ClinCard sent me a list of the transactions that totaled the lost {$1300.00}. Since I never received the card, authorized the replacement or even knew my card was replaced, it is obvious that none of the transactions totaling {$1300.00} were mine. ClinCard required me to fill out a dispute form which I did. On XXXX ClinCard sent me a letter stating that the investigation was finalized and they determined there was no error. Therefore, no funds will be credited to my account and the matter was considered closed.

They obviously did not understand the problem and they caused the problem, not me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
fraudulent inquiries were made on my current experian report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Bridge IT, Inc.
State: NJ

Complaint narrative:
XXXX 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 unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Received the " Great Platinum Welcome Offer '' from Amex for The Platinum Card for XXXX Membership Rewards Points after you spend {$8000.00} on purchases on your new card in your first XXXX  months of card membership. 

I applied on XX/XX/XXXX and was approved for the XXXX card the same day. However, when I called to confirm my welcome offer that day and spoke with an agent for Amex I was informed my welcome offer was only for XXXX Membership Rewards Points significantly less than promised in my first notification. 

The agent told me to submit my screenshot to the XXXX department and they would review within the next couple of weeks. However, upon calling today at XXXX I spoke with an agent who could not assure me the welcome offer I applied for would be processed and I would have to settle for the lesser offer. After I confronted the agent and asked if this was worthy of submitting a complaint to the CFPB she quickly dodged my questions and made attempts to get me off the phone asap. Is this how such a large corporation should be acting with such shame and disgrace? This is a classic example of bait and switch by American express failure to keep their promise and set up unsuspecting consumers to take the bait and get a new credit card with a hefty fee attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I filed for XXXX XXXX  bankruptcy, which was XXXX in XX/XX/year>. Upon reviewing my credit report, I noticed the bankruptcy is listed and appears to be reported by your agency. I disputed the information and subsequently sent a Method of Verification ( MOV ) request, as permitted by the Fair Credit Reporting Act ( FCRA ), requesting the name and contact information of the source who verified the bankruptcy, the method used for verification, and a copy of any supporting documentation. 

Your agency responded with a generic statement that the information was obtained from the bankruptcy court. However, the bankruptcy court has confirmed they do not report or verify any data with credit bureaus. You failed to provide the required details or proof, as mandated under 15 U.S.C. 1681i. 

This violates the FCRA and causes harm to my credit standing. I am requesting deletion of the bankruptcy entry unless proper verification is provided.

Company response to consumer: Closed with explanation