vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a late payment on my credit report by XXXX XXXX. Despite my attempts to resolve this matter directly with both XXXX XXXX and the credit bureaus, the issue remains unresolved. 

I have provided bank statements as proof that the payment was sent and an extra payment was made. However, the reporting remains inconsistent and incorrect across credit bureaus. Specifically : XXXX : My payment was reported as late in XXXX and XXXX but marked as on time in XXXX. 
XXXX : My payment was reported as late in XXXX and XXXX but marked as on time in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow-up to a previous unresolved complaint. 
CFPB Complaint Number : XXXX I filed nearly 3 weeks ago regarding the unexplained closure of my Bank of America credit card , which was done without notice and without providing any justification. I have not received any communication from Bank of America through the CFPB portal or otherwise. 

Since then, I have been denied multiple credit card applications, including with XXXX, who cited that the account ended in an unsatisfactory manner. My credit score has dropped over 130 points, and I have never engaged in fraud or irregular activity.

This is now actively harming my financial standing, and Bank of America has been unresponsive despite repeated outreach attempts. I am requesting that this complaint be escalated urgently, and that the account closure be reviewed and any inaccurate credit reporting corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EdFinancial Services
State: NJ

Complaint narrative:
I was a victim of identity theft and a student loan was taken out using my name and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MI

Complaint narrative:
My account 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 2025-03-21 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: MI

Complaint narrative:
My account 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 2025-03-21 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: ID

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MOHELA
State: CA

Complaint narrative:
MOHELA/DOFED XXXX XXXX XXXX XXXX 
XXXX, Mo XXXX XXXXXXXX XXXX/Individual {$850.00} Opened on XX/XX/year> Account does not belong to me.have tried contacting the number giving by XXXX and listed online, incorrect number and its some medical device company! Unable to get a legitimate telephone number for Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I a student loan through Mohela. On XX/XX/XXXX I went to pay my loan and saw that if you have a IDR application in process for more that 60 days and a payment due within 10 days that the account will be put into automatic forbearance. Since my payment was due on XX/XX/XXXX and my IDR application has been in process since XX/XX/year> my loan should have atomically been place in forbearance. Today I logged in and it says that my payment is past due. I called and was told that the estimated wait is 2 hours and 10 minutes, however I was on hold for 6 hour when the call suddenly ended. I called back and was told that the current wait time is 5 and a half hours. If this wait time is accurate by the time I will be able to speak to a representative Mohela will be closed for the weekend. 

I have emailed them with my complaints and have also filed a complaint with the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC
State: OH

Complaint narrative:
I receive 8-10 phone calls DAILY from a ( XXXX ) area code about national debt relief. I've asked them numerous times to stop calling my number and that I'm not interested in any debt relief. Not only have they not stopped calling, but now they don't even respond after I say " hello ''. So why are they calling me and not saying anything? That's harassment and I would like to know what to do about this. I will prosecute to the fullest extent. This has been going on for about a year now. I attached a screenshot of the phone numbers calling me EVERYDAY!!! It's always a different number with no call back available!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
For several months, I have been attempting to communicate with TransUnion, Experian, and Equifax regarding ongoing issues. Despite spending over {$60.00} on postage alone, I have yet to receive any response. When I try calling, I am met with an automated system that provides no resolution or direct access to a representative. At this point, I am considering legal action to address this lack of responsiveness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB closed my case saying the company responded and it did not. 

This is exactly why Trump wants CFPB employees fired. Here it is again in hopes CFPB I complained Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notified me the company responded. Equifax did not respond ; it returned the complaint. Thus my credit continues being falsified year after year, since all the other credit bureaus XXXX, XXXX, and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. Equifax continues falsifying my information and CFPB is complicit, saying it responded when it did not ; it took 30 days to send the complaint back to CFPB. Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is, apparently complicit and the whole thing makes no sense as Equifax IS a credit reporting agency, who exists solely to report creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: IN

Complaint narrative:
Dear CFPB, I have called Elan XXXX XXXX  at least 3 times a week since the end of XXXX asking them to tell me why my card is not working even though I should have at least {$8000.00} left on my credit limit. The phone calls are identical as to Elan 's response -- they say I have exceeded my credit limit and they are powerless to do anything further until I pay my outstanding balance ( which varies with each call ) There is no question that either Elan or XXXX XXXXXXXX XXXX  ( headquarters here in XXXX XXXX is involved in fraudulent practices. I am 9.999 % sure the fraudulent practices are XXXX 's. Make that 100 %. 

Elan should be investigated immediately. Last Saturday ( XX/XX/XXXX ) I requested a statement of my charges since I first received their card. They promised to send this to immediately and 'it was already in the USPS mail ', adding that it should arrive ( from XXXX XXXX XXXX either Tuesday ( XX/XX/XXXX ) or Wednesday ( XX/XX/XXXX ). 

It is now Saturday, XX/XX/XXXX. I called the number on the back of the card this morning about XXXX, I believe. I first got XXXX XXXX  who works out of Mississippi XXXX After a brief conversation, she got 'a supervisor ' on the line. This person who identified herself as " XXXX ' didn't identify where she was speaking from. 

I hung up on XXXX because she said I was getting 'belligerent ' ( I think were her words -- rude, unreasonable.. .something like that ). 

I responded that after 'a hundred ' calls to them ( 'hundred ' might be hyperbole, but certainly I have called dozens of times ). After numerous calls, they are still unwilling ( certainly not unable ) to give me a total amount that I spent on their credit card since XXXX ( when I got the card specifically to use on a vacation ). 

The last time their card worked was at the end of XXXX, now approximately two months ago. I have spent the card only on hotels, food, gas, and other purchases one makes on vacation totaling, I believe around {$7000.00}. I used it extensively, as I was planning to keep track of my expenses with the use of their card exclusively whenever possible ).. 

There is no question Elan XXXX XXXX should be shut down, at least temporarily, until the company answers my very simple query : 'How much have I spent on your credit card since I received it XXXX of last year ( XXXX ). 

Thank you for your prompt attention to this matter. I can be reached by email, text, and/or cell phone. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Cell : XXXX email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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