vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: ME

Complaint narrative:
I always pay my credit card early, in full and way before time is due. For the last 3 times I had to call about a {$40.00} late fee. This last period I sent my full payment on XX/XX/XXXX, for a due date of XX/XX/XXXX and now again a {$40.00} late fee. They won't remove the charge because they said this is the 3rd time I am late, when I am never late. I always send the payment the day I receive the bill. They told me that it's the Post office 's delay and were telling me that they tell all their customers now to make online payments to avoid this problem. I feel that they delay the processing of my payments and stick me with the {$40.00} late fee and are also trying to force customers into online payments.

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 monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
When I applied in XXXX, I had to gather all required documents myself since there was no connection between the Total Discharge Department and the Social Security or VA. I visited the Social Security Office multiple times to provide the necessary paperwork, which was confirmed by them. However, my application was still denied. This year, the website indicates a connection to these agencies, so I kindly request that the Total Discharge Department use their interagency connection as stated during application process, not sure what I can get that they already have access to?

Company response to consumer: Untimely response
Consumer complaint received 2025-05-15 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: CA

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 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 2025-05-15 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: NC

Complaint narrative:
ACCOUNT DETAILS AND INCONSISTENCIES : Original Creditor : 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 XXXXXX/XX/XXXX These inconsistencies suggest errors in reporting timelines and undermine data reliability. 

2. Monthly Payment All Bureaus : {$0.00} An account allegedly in active collections would not have a consistent {$0.00} payment. This calls the reporting structure into question.

3. Term / Source Type All Bureaus : Blank Omission of this essential information violates accuracy and completeness standards under 15 U.S.C. 1681e ( b ).

4. Account Status TransUnion : Open Equifax : Refinanced Experian : Charge-Off These conflicting classifications represent three different stages of account lifecycle. They ca
n not all be true.

5. Most Recent Adverse Rating TransUnion & Experian : Collection / Charge-Off Equifax : No data available This discrepancy further questions the integrity of this data across bureaus. 
Comments 6. TransUnion : Placed for Collection Equifax : Refinanced Experian : Unpaid balance reported as a loss by credit grantor Remarks contradict one another and imply three different account outcomes.


7. Payment History All Bureaus : No history available If no payment history is reported, bureaus can not justify delinquency or charge-off designations.

LEGAL BASIS FOR DISPUTE : Per 15 U.S.C. 1681i, a credit reporting agency must conduct a reasonable reinvestigation of any item in dispute. Furthermore, under 15 U.S.C. 1681e ( b ), you are legally required to maintain and report information with maximum possible accuracy. 

Where inconsistencies, incomplete data, or unverifiable details exist, the information must be deleted from my credit file.

In addition, under the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to know how this data was verified and what documentation supports its accuracy. 

REQUESTED ACTION : Due to the unresolved and material inconsistencies listed above, I am demanding the immediate deletion of this XXXX account from my credit report.

If you choose to verify the account as accurate, I am formally requesting the Method of Verification ( MOV ) as allowed under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This includes : The name, address, and contact information of the party who verified the information.

A copy of the documentation used in the verification process.

ENCLOSURES : Copy of my government-issued ID Proof of address ( utility bill ) Copy of credit report showing disputed account Please consider this a formal dispute and respond in writing within 30 days, as required by federal law. 

Sincerely, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 EXPERIAN 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.

EXPERIAN 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 2025-05-15 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-15 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: PA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX fraudulent wire fraud out of my bank account {$9800.00} XX/XX/XXXX fraudulent wire charge fee {$30.00}

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 monetary relief
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Pentagon Federal Credit Union has sold this account to XXXX XXXX but did not remove their tradeline from my consumer report which is a direct violation under the FCRA. Pentagon Federal Credit Union and XXXX XXXX both can not be reporting for the same account. This has greatly diminished my credit worthiness and should be resolved immediately. I have retained an attorney to take legal action against Pentagon Federal Credit Union should they not comply. I have filed an additional complaint with The Office of The Attorney General to further protect my consumer rights. 


Account # 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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My identity has been stolen. My personal information somehow has been leaked and I have unauthorized accounts on my credit report. Please help me, I have attached my ftc report. This is really stressful for me

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 2025-05-15 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: FL

Complaint narrative:
inaccurate information reported to credit report. I have called and no one helps me, equifax is reporting wrong inaccurate information from other agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
inaccurate information reported to credit report. I have called and no one helps me, XXXX is reporting wrong inaccurate information from other agency.

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 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attended since XXXX until XXXX at the XXXX XXXX XXXX XXXX XXXX. Then in XXXX to XXXX I attended the XXXX XXXX XXXX who was also not accredited at the time and fraudulently placed loans through XXXX on my account promising a better career. Both schools have been shut down and even my employers such as XXXX XXXX banned XXXX from the tuition reimbursement programs as a result of them not being properly accredited. I do not deserve to pay all those loans back especially with no promising career to back it up. I have been scammed by multiple companies promising me to help me with loan forgiveness but that is a loss I have to live with. Now my score just went down XXXX points for late payments on student loans in which not one letter was sent to me informing me of any payment or amount to pay with due dates indicated before I could dispute anything. I am definitely victim of this fraudulent activity and I do not owe more than XXXX on schools that were fraudulent and not accredited in the first place. I will be submitting a formal letter of complaint to the loan servicer directly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: IL

Complaint narrative:
Company Name : United Wholesale Mortgage ( UNTD WHL MTG LP ) Account Number : XXXX Type of Account : Mortgage This account is incorrectly showing a late payment for XX/XX/XXXX and/or XX/XX/XXXX. 
I have never made a late payment on this mortgage. I always pay on time. The reported late payments are false and damaging my credit. 
UNTD WHL MTG United Wholesale Mortgage Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Mortgage Account Type - Detail : Conventional real estate mortgage Bureau Code : Individual Account Status : Open Monthly Payment : {$2500.00} Date Opened : XX/XX/XXXX ( XX/XX/XXXX ) Balance : {$210000.00} As of XX/XX/XXXX, XXXX  has already removed the inaccurate late payment from their records. The account was also removed from XXXX  as of XX/XX/XXXX. However, XXXX  continues to report the incorrect late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am writing to formally request the blocking and removal of fraudulent accounts, information and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I recently discovered that I have been a victim of identity theft, and unauthorized accounts and/or inquiries have been reported in my name. 

Details of Fraudulent Information : Accounts : XXXX XXXXXXXX XXXX  Account # : XXXX AND XXXX XXXX Acct # : XXXXXXXX XXXX -Acct # : XXXXXXXX XXXX XXXX -Acct # XXXXXXXX XXXX XXXX XXXX XXXXAcct # XXXXXXXX XXXX XXXX XXXXAcct # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Inquiries : XXXX XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> Legal Basis for My Request : Under 15 U.S.C. 1681c-2 ( a ) of the FCRA, I have the right to request a block of fraudulent information from my credit file. According to the law, credit reporting agencies must block this information within four business days upon receiving : 1. A copy of a police report or an FTC Identity Theft Affidavit ( attached ).

2. Proper identification ( attached ).

3. A statement that the information is fraudulent ( included below ).

4. My written request to block the fraudulent data.

I hereby declare that the above-referenced accounts and/or inquiries were opened and reported without my authorization due to identity theft. These accounts were not initiated by me, nor have I received any goods, services, or funds from them. I request that this information be permanently blocked and removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed.

XXXX Please remove it from my credit report.

5. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as AgreedXXXX XXXX Please remove it from my credit report.

6. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief