vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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 was at the gym in XX/XX/year> my personal information was stolen from my car. Upon reviewing my credit report I noticed a XXXX XXXX Bank account on my credit report. I never applied for this account per FCRA, unauthorized accounts shall be removed -- XXXX XXXX Bank acct # 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 2025-02-25 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: CO

Complaint narrative:
I have discovered multiple accounts on my credit report that I do not recognize, suggesting potential identity theft, as I never authorized these accounts. I previously reported this issue and now formally request their immediate removal. These unauthorized accounts are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been challenging, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I urge you to address this issue promptly.

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 2025-02-25 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate and noncompliant bankruptcy records that XXXX XXXX XXXX has furnished to major credit bureaus, including TransUnion, Experian, and Equifax. Enclosed is a copy of the Bankruptcy Courts letter, which confirms that these bankruptcy records have not been properly verified in accordance with legal standards. 

There are currently XXXX dismissed bankruptcy cases under my name that should not be reported as valid derogatory items. Their continued reporting violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and XXXX reporting standards. 


Disputed Public Records : Bankruptcy Case # XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Court : Northern District of XXXX, GA XXXX : XXXX XXXX XXXX XXXX for Dismissal : Failure to Make Plan Payments Bankruptcy Case # XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Court : Northern District of XXXX, GA XXXX : XXXX XXXX XXXX XXXX for Dismissal : Unknown Bankruptcy Case # XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Court : Northern District of XXXX, GA XXXX : XXXX XXXX XXXX Legal Violations and Basis for Complaint : Invalid Reporting of Dismissed Bankruptcies : All three bankruptcy cases were dismissed and did not result in a discharge of debts ; they should not be reported as active derogatory items. Reporting these dismissed cases violates FCRA 1681e ( b ), which requires maximum accuracy in consumer reports. 

Lack of XXXX XXXX XXXX : XXXX FCRA 611 ( a ), credit reporting agencies must verify disputed information. If XXXX XXXX XXXX did not obtain these records directly from the bankruptcy court, they are unverifiable and their inclusion contravenes FCRA 1681i ( a ) ( 5 ). 

Noncompliance with XXXX Standards : According to XXXX XXXX XXXX XXXX ( XXXX ) guidelines, all public records must comply with XXXX standards. Since these bankruptcy cases were dismissed, they do not meet these standards, rendering their continued reporting unlawful.

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 2025-02-25 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate and noncompliant bankruptcy records that XXXX XXXX XXXX has furnished to major credit bureaus, including TransUnion, Experian, and Equifax. Enclosed is a copy of the Bankruptcy Courts letter, which confirms that these bankruptcy records have not been properly verified in accordance with legal standards. 

There are currently XXXX dismissed bankruptcy cases under my name that should not be reported as valid derogatory items. Their continued reporting violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and XXXX reporting standards. 


Disputed Public Records : Bankruptcy Case # XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Court : Northern District of XXXX, GA XXXX : XXXX XXXX XXXX XXXX for Dismissal : Failure to Make Plan Payments Bankruptcy Case # XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Court : Northern District of XXXX, GA XXXX : XXXX XXXX XXXX XXXX for Dismissal : Unknown Bankruptcy Case # XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Court : Northern District of XXXX, GA XXXX : XXXX XXXX XXXX Legal Violations and Basis for Complaint : Invalid Reporting of Dismissed Bankruptcies : All three bankruptcy cases were dismissed and did not result in a discharge of debts ; they should not be reported as active derogatory items. Reporting these dismissed cases violates FCRA 1681e ( b ), which requires maximum accuracy in consumer reports. 

Lack of XXXX XXXX XXXX : XXXX FCRA 611 ( a ), credit reporting agencies must verify disputed information. If XXXX XXXX XXXX did not obtain these records directly from the bankruptcy court, they are unverifiable and their inclusion contravenes FCRA 1681i ( a ) ( 5 ). 

Noncompliance with XXXX Standards : According to XXXX XXXX XXXX XXXX ( XXXX ) guidelines, all public records must comply with XXXX standards. Since these bankruptcy cases were dismissed, they do not meet these standards, rendering their continued reporting unlawful.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX AND DEPT OF XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in to be removed. 

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 AND DEPT OF 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I closed my CD with BMO XXXX. I was told a check would be sent to me in 7-10 business days. After 10 business days. I contacted BMO and they told me that I should wait a few more days and contact them if the check did not arrive. After a few more days I contacted BMO and a representative told me that it could take up to a month for a check to arrive and if I hadn't received my check by the end of the week to contact them again. I contacted them today and they said if I were to have the check cancelled they would not resend a check for 90 days. I demanded to speak to someone else and after 45 minutes the new person said they would call me back. They called me tonight and told me they are emailing me a document to have the initial check cancelled and they would try to get me a new check sent out. BMO is holding my withdrawal for possibly 120 days.

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 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXX at XXXX, I received an email that I had an important update to my student loan account. 

XX/XX/XXXX at XXXXXXXX XXXX I attempt to sign in and it rejected my password. 

XX/XX/XXXX, XXXXXXXX XXXX I requested to reset my password. 

XX/XX/XXXX XXXX When no passcode showed up in my inbox I pressed the button that I never recieved the email and I needed it resent. I checked my inbox and my spam folder consistantly for the next hour. 

XXXX I call the XXXX number to contact a representative. I was told the wait was XXXXXXXX XXXX and they would call me back. I left my cell phone number for them to call me back. 

XXXX I recieved 2 emails with veritfication code to reset password but they were expired by the time I got them and I was still unable to login. 

XXXX still no call was returned from 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 2025-02-25 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 XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed. 

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 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! 

Delete 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 2025-02-25 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 XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed. 

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 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! 

Delete 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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
According to the other amount ask for the amount on my report doesn't have the accurate amount on it. Also I am unaware if I pay the new amount due, I am unaware if once it's paid that the report would be clear of that delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I've recently reviewed a copy of my credit report and noticed multiple inaccurate late payments reflecting on my credit report that have affected my life and credit health greatly.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've recently reviewed a copy of my credit report and noticed multiple inaccurate late payments reflecting on my credit report that have affected my life and credit health greatly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. 
Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. 

Recent lawsuits against XXXX reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, l demand the name and address of anyone contacted to verify the disputed. 

PLEASE SEE ATTACHMENTS FOR FRAUDULENT ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
Bank of America Master Card- longest held credit card. Never been late, never missed payment. They closed today without any notice or explanation other than email notice. Tried to find out why and no one could tell me. Connected me to XXXX and said I had to go through them to find out why BOA canceled my card. Tried that and the only thing they did was send me a copy of my credit report. 

I have been working hard to rebuild my credit over the last decade and was finally getting headway. This will have a negative impact because the company canceled the card and because it is my longest history for credit. I find it disgusting that they did this 1. Without notice, 2. For not reason and 3. they can not provide the reason, 4. They can negatively impact a customer 's credit standing and ability to secure credit without any accountability or responsibility at all. I find this abusive. 

I have all my business with BOA. I am not wealthy so I guess I don't matter... .but what I do have will be removed from this company 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 2025-02-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris and Harris is reporting negative trade line on credit report. Ive disputed the dent due to identity theft. I do not owe this debt, have no knowledge it and have filed identity theft report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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