vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: FL

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 XXXX 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 XXXX 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 explanation
Consumer complaint received 2025-04-16 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 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 XXXX 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 XXXX 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 2025-04-16 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: FL

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 XXXX  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 XXXX 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 2025-04-16 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson capital continues to report to the credit agency 's without giving me any info. I have disputed it. And they deny it without sending me anything but collection letters. The comment left on the dispute states that they meet requirements NMLS does not have a listed license for them to conduct business in the State of Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
XXXX repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : Charge Off ( XXXX/Equifax ) XXXX XXXX - Account Number : XXXX - Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I went into a branch today in XXXX XXXX to cash a payroll check from my former job. The teller went through all the verification process stating she checked XXXX and the other system to check the checks and she also called to verify with the payroll department that issued the check if this was a valid check. After she does that she states that the system states that I can not cash the check I need to go to the issuer of the check which was XXXX but the check was drawn out from Wells Fargo. I have taken many other checks that were issued by Wells Fargo on behalf of the payroll department to get cashed and the last few times I have been having issues cashing checks. Today the teller tells me that she can not cash my check because I am a risk and I stated how am I a risk if I dont even bank here and you verified the check. She just said I need to take it to another financial institution which makes me believe I am experiencing these issues only because I have been filing complaints against Wells Fargo.

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 2025-04-16 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: TX

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX BALANCE {$300.00}, XXXX XXXX {$1100.00}, XXXX XXXX XXXX XXXX balance {$3200.00}, XXXX XXXX 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 2025-04-16 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: IN

Complaint narrative:
This is one of my multiple attempts to notify credit bureau that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX * * * * Balance {$1200.00}

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 explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed this information before with Equifax and this XXXXXXXX XXXX collection has stayed on my report. 
Equifax is reporting a collection as an open account which is a direct violation of the Fair Credit Reporting Act Equifax is reporting a collection being 120 days late which is another violation of the Fair Credit Reporting Act. 

The gross negligence by Equifax allowing this to be reported has violated my rights and I demand this XXXXXXXX XXXX account be removed from my Equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS FOR EXPERIAN I DEMAND ERASE OFF MY REPORT ASAP. YOU BEEN LETTING COLLECTION AGENCIES REPORT UNVERIFIED INFORMATION WITH VETTING THE INFORMATION THIS HAS BEEN GOINGBON FOR YEARS MAKING MY LIFE VERY VERY MISERABLE. ON PURPOSE THIS IS LIKE THE FORTH TIME REQUESTING TO DELETE I HAVE PROOF AND YOU STILL VIOLATING MY RIGHTS These inaccuracies violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which mandates that consumer reporting agencies ensure the utmost accuracy in the information they provide.

Furthermore, your agency has unlawfully disclosed my private and confidential information without my consent, violating [ 15 USC 1681b ] ( a ) ( 2 ) and infringing upon my privacy rights under [ 15 USC 1681 ] ( a ) ( 4 ).

I hereby demand the swift deletion of these erroneous items from my consumer file. Should you fail to comply, I will pursue all available legal remedies to enforce my rights.

These actions constitute Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ), a felony offense punishable by up to two years in prison and subject to civil liabilities. Accordingly, I am seeking compensation for the following damages : 1 Permissible purpose - {$1000.00} 2 Defamation of character - {$1000.00} 3 Damaged reputation - {$1000.00} 4 Damaged creditworthiness - {$1000.00} 5 Damaged mode of living - {$1000.00} 6 Infringed right to privacy - {$1000.00} Immediate action is required to rectify these issues and cease the reporting of this incorrect information. REMOVE UNTIL THIS DISPUTE IS RESOLVE Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last four of SSN : XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX  To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX  XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law.Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I believe the compromise of my personal information may be related to the data breach previously reported by Equifax. As a result, certain fraudulent accounts may have been opened in my name without my knowledge or consent. 
Pursuant to the Fair Credit Reporting Act, specifically XXXX U.S.C. XXXX ( a ), I am requesting that Equifax block and delete all information related to the fraudulent accounts that were identified as a result of this identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: WI

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Subject : Complaint Regarding Unauthorized Credit Pull by Monterey Financial Services LLC Dear Consumer, Financial Protection Bureau, I am writing to formally file a complaint against Monterey Financial Services LLC, a collection agency that has appeared in my credit report as having accessed my credit information without my consent or any permissible purpose, as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to my records and recent credit report obtained from XXXX, XXXX, and XXXX, Monterey Financial Services LLC accessed my credit report in 2024. 
Under 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under certain conditions. These include : In response to a court order. 
With written instructions from the consumer.

For credit transactions initiated by the consumer.

For employment purposes, insurance underwriting, or legitimate business needs in connection with a transaction initiated by the consumer.

As none of these conditions apply, I believe Monterey Financial Services LLC is in violation of the FCRA for unauthorized access to my credit file. This unauthorized inquiry has not only invaded my privacy but may also negatively impact my credit score. 
In addition, Monterey Financial Services LLC is not licensed in XXXX, and is not authorized to collect debts from me. I have the right to request written validation. I respectfully request that the CFPB investigate this matter and take appropriate enforcement action against Monterey Financial Services LLC. Additionally, I am requesting the removal of this unauthorized inquiry from my credit report and assurance that no further unauthorized access will occur. 
Please do not hesitate to contact me should you require any further information or clarification. 
Thank you for your attention to this matter and for protecting consumer rights. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was due a deposit in which my other banks posted on Friday, XX/XX/XXXX. The official payday for federal employees through XXXX XXXX XXXX electronically is no later than Monday. Today I still have not received anything from Cash app. I had to contact them numerous times and they were giving me the wrong answer Customer Service script, copied and pasted finally reached somebody who said that they needed verification of ID so they sent me a link to a portal and I uploaded it and Ive checked back on it and I keep getting the same runaround response. I still dont have my money. They should issue me a provisional credit or release my direct deposit. This is theft on their part. I want my money released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This letter is a final demand to American Express regarding the fraudulent XXXX XXXX account ending in XXXX, opened XX/XX/year>, using my stolen information. Despite providing an FTC Identity Theft Report, proof of ID/address, and highlighting demonstrably false application data ( wrong address/phone/email ) used by the fraudster, Amex has failed to resolve this XXXX 

Their investigation is flawed, contradictory ( claiming it's " ongoing '' after previous denials ), and has exceeded the 30-day FCRA timeline without resolution. Amex wrongly insists that payments made by the fraudster mean I accepted liability, ignoring clear evidence and legal standards for identity theft victims. 
Amex continues to report this fraudulent account, violating FCRA 1681i ( reasonable reinvestigation ), 1681c-2 ( blocking fraudulent info ), and 1681s-2 ( accuracy ). I demand immediate deletion of the account from all records and credit bureaus, cessation of all reporting/collection, and written confirmation within 10 business days, or I will pursue all further legal and regulatory actions.

Company response to consumer: Closed with non-monetary relief