vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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. XXXX EXPERIAN XXXX 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 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
I have had very good credit for the last 10 years with no late payments. In XX/XX/year> I called Penny Mac because it was a struggle paying my Mortgage by the XXXX of the month and the payments were too high and I wanted to lower the payments. I asked if I could change the date, due to me receiving my income after the XXXX of the month and was declined. At the time all of my payments were never late and current. Payments were XXXX XXXX monthly. So they offered me a forebearance to make lower payments of {$1100.00}, for 6 months, which was a comfortable amount. Then they said I could skip 2 months of payments, which I accepted because I was still experiencing hardships. They said I couldn't stay on the forebearance plan. Then they offered a loan modification never informing that if I didn't bring my account current paying almost XXXX XXXXXXXX that my credit would be negatively impacted. If I was struggling to pay {$1800.00} how was I going to pay XXXX XXXXXXXXNow my credit has been damaged and I have a missed payment delinquent XXXX. That was very deceitful and what they did caused me more hardship. There was no information on the Loan Modification application stating that if I didn't bring my account current by paying XXXX XXXXXXXX my credit would be impacted and marked delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-12 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: MA

Complaint narrative:
Durning XXXX  I was employed and when covid hit the world was shut down and the world stop everyone from working. You lost income due to COVID shutdowns. 
You would have remained current if the government hadnt shut down your job. 
Youre now in a better position and respectfully request a goodwill deletion or pay-for-delete.

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 2025-06-12 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All three bureaus kept showing a balance since XXXXXXXX XXXX XXXX  so I submitted individual dispute to all 3 back in XXXX saying to please update the balance to XXXX or close by paid in full but the all came back updating the balance till XXXX not sure why even thought I submitted proof of paid in full, now I requested a letter from the Loan processor XXXX XXXX XXXX, loan account # XXXX ) and submitting that with you guys to please help me make these bureaus report the correct balance. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three bureaus kept showing a balance since XXXXXXXX XXXX XXXX  so I submitted individual dispute to all 3 back in XXXX saying to please update the balance to XXXX or close by paid in full but the all came back updating the balance till XXXX not sure why even thought I submitted proof of paid in full, now I requested a letter from the Loan processor XXXX XXXX XXXX, loan account # XXXX ) and submitting that with you guys to please help me make these bureaus report the correct balance. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information under FCRA and Billing Error 15 U.S.C. 1666b Dear [ Credit Bureau or XXXX XXXX Fraud Department ] I am writing to formally dispute and demand the immediate removal of inaccurate and legally non-compliant information being reported on my credit file in connection with XXXX XXXXXXXX account 1. Unverified Late Payments Violation of 15 U.S.C. 1666b This account is reporting late payments that I am contesting. According to 15 U.S.C. 1666b ( Fair Credit Billing Act ), creditors are required to provide at least a 21-day grace period before imposing any late fees or treating the payment as delinquent. If XXXX XXXX can not prove with documentation that they adhered to this requirement including the exact billing cycle, due date, and date the payment was received or posted the reported late payments are inaccurate and must be removed. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], you are obligated to investigate and delete any item that can not be verified. I demand that these late payments be investigated, validated, and deleted if they can not be verified with legally compliant evidence. 



2. Fraudulent Account Identity Theft Claim This XXXX XXXXXXXX account was fraudulently opened without my authorization. I am exercising my rights under the FCRA 605B [ 15 U.S.C. 1681c-2 ], which states that credit reporting agencies must block fraudulent information from a consumers credit report within 4 business days of receiving : A valid police report or identity theft affidavit, Proper identification, and A written statement from the consumer. 

Enclosed are : A copy of my identity theft affidavit ( or police report ), A copy of my government-issued ID, and A utility bill verifying my address. 

According to the FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) and XXXXidy v. Experian Info. Solutions, Inc.XXXX XXXX XXXX XXXXXXXX, creditors and credit bureaus are responsible for removing accounts resulting from identity theft once proper notice has been given. 



Requested Actions : 1. Immediately remove all late payments reported by XXXX XXXX, as they are unverified and potentially unlawful under 15 U.S.C. 1666b. 
2. Permanently delete the XXXX XXXX account from my credit file, as it was opened fraudulently. 
3. Provide written confirmation of these deletions within the timeframe required by law ( generally 30 days under FCRA 1681i ).

Failure to comply may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for willful non-compliance.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the removal of the following hard inquiry from my credit report : This inquiry was reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). This credit transaction did not involve an extension of credit to me, the consumer, nor did I authorize it. However, it appears that my information was used in connection with this inquiry without my consent. 

Hard Inquiry Equifax : XXXX XXXXXX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to Equifax for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Legal Department, This is now my third attempt disputing these accounts. Not only are they not mine, but they keep being reinserted without proper notice, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, these accounts are reporting inaccurate and conflicting information across the bureaus. For example, the XXXX XXXX account # XXXX is being reported as current on XXXX report and late on another, which is yet another FCRA violation under 623. There are multiple similar discrepancies on my credit report. As Shown Below! 

If these accounts are not permanently deleted immediately, I will be escalating this matter with my attorneys at McCarthy Law Firm to initiate legal action for these violations. 

I am also formally requesting a Method of Verification ( MOV ) under FCRA 611. Please provide a detailed explanation of how and from whom these accounts were verified. Failure to do so will be considered non-compliance and will further support my legal claims. 

Accounts are listed below XXXX XXXX XXXX XXXX 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 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Legal Department, This is now my third attempt disputing these accounts. Not only are they not mine, but they keep being reinserted without proper notice, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, these accounts are reporting inaccurate and conflicting information across the bureaus. For example, the XXXX XXXX account # XXXX is being reported as current on XXXX report and late on another, which is yet another FCRA violation under 623. There are multiple similar discrepancies on my credit report. As Shown Below! 

If these accounts are not permanently deleted immediately, I will be escalating this matter with my attorneys at McCarthy Law Firm to initiate legal action for these violations. 

I am also formally requesting a Method of Verification ( MOV ) under FCRA 611. Please provide a detailed explanation of how and from whom these accounts were verified. Failure to do so will be considered non-compliance and will further support my legal claims. 

Accounts are listed below XXXX XXXX XXXX XXXX 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 2025-06-12 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: TX

Complaint narrative:
This is my FOURTH written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA 605B. You have failed to comply with your legal obligation to block this information within 4 business days. 
You are now in XXXX XXXX with the Fair Credit Reporting Act and knowingly causing harm to a consumer. 
Despite providing : - A valid FTC Identity Theft Report - A written request for block/removal - Clear documentation of fraud You continue to report the following : ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
recently moved to the area and called Citizens Bank before opening a new account to clarify that my current address does not yet match the one on my drivers license. I was assured this wouldnt be an issue and was told I could proceed with opening the account online.

After successfully opening the account, I found that I was unable to access my funds. I was then informed that the issue was due to the address on my ID not matching my current addressdespite having explained this beforehand and being told it wouldnt be a problem.

It has now been over a week since I moved, and Im still unable to access my money. Ive attempted to resolve this multiple times, but I continue to be blocked from using the account. I would appreciate prompt assistance in resolving this matter, as the funds are urgently needed and the situation is causing significant inconvenience.

Let me know if you want to tailor it for email, a complaint form, or an in-person meeting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I went to XXXX and attempted to make a purchase that totaled {$210.00}. I had two prepaod gift cards, one from XXXX and XXXX from AMEX which each totaled {$100.00} that I tried to use to pay off the balance which I was going to finish covering with my credit card. I successfully used the mastercard prepaid card to lower the balance to {$110.00}. When I tried to use my AMEX, the transaction was declined and I was unable to complete my purchase. I looked online and my account was placed on hold. I called twice and each time I was told that the card was automatically locked for suspicious activity and that the only way to recover my balance as to provide my full name and address to be mailed a new card. I do not want to be the victim of any sort of fraud so I refused to give my full name and address. I would like a way to recover this {$100.00} without having to provide my personal information as this is a gift card and not a personal financial account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I woke up today to see an unauthorized inquiry on my credit report, and I am seriously upset. I review my credit file often, and there was no indication of anything like this before. I tried refreshing the page hoping it would disappear, but it didnt. I demand a thorough review of the documents Ive already providedthis issue needs to be fixed now.

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 2025-06-12 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: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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