vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint because Equifax continues to report XXXX charged-off accounts that are past the XXXX limit allowed under the Fair Credit Reporting Act ( FCRA Section 605 ( c ) ). These accounts have already been removed from both Experian and TransUnion, but Equifax continues to report them with ongoing negative activity, even in XXXX. 

XXXX. XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Still showing late payments into XXXX Marked as Consumer disputes reinvestigation in progress XXXX. XXXX XXXX Services Opened : XX/XX/XXXX Closed : XX/XX/XXXX Marked as Paid charge-off Still reporting late payments in XXXX These accounts are older than 7 years from the original delinquency and should no longer appear on my credit file. I have already disputed both directly with Equifax and received no resolution. 

I am including screenshots of both accounts showing the incorrect reporting dates, and I will also attach proof that these accounts have already been removed from XXXX  and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute concerning inaccurate and unverified accounts that continue to appear on my credit report without proper resolution. Despite my prior request for reinvestigation, I have yet to receive adequate documentation or clarification regarding these disputed entries. 

I am once again requesting a detailed explanation of the source of the information you have reported, as well as the specific procedures used to verify its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute concerning inaccurate and unverified accounts that continue to appear on my credit report without proper resolution. Despite my prior request for reinvestigation, I have yet to receive adequate documentation or clarification regarding these disputed entries. 

I am once again requesting a detailed explanation of the source of the information you have reported, as well as the specific procedures used to verify its accuracy.

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 2025-04-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please Id like to remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-20 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: VA

Complaint narrative:
Between XXXX and XXXX, someone used my identity without my knowledge or authorization to open multiple fraudulent accounts. In XX/XX/XXXX, a fraudulent account in the amount of {$770.00} was opened with a company listed as XXXX XXXX. I discovered this activity in XX/XX/XXXX upon reviewing my credit report. 

Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c-2, consumer reporting agencies are required to block and remove fraudulent information from a consumers file within four business days upon receiving : - Proof of the consumer 's identity - A copy of a valid identity theft report - A written statement identifying the fraudulent information In compliance with this law, I submitted an Identity Theft Report to the Federal Trade Commission XXXX XX/XX/XXXX. I have formally disputed the fraudulent information and requested that the account be blocked and permanently removed from my credit report. 

This account was opened through identity theft and should not be associated with me. I am exercising my rights under the FCRA and request that the company take immediate action to resolve and remove this fraudulent item from all records. 


Let me know if you want to reference additional laws like the Fair Debt Collection Practices Act ( FDCPA ) * *, or if you'd like this tailored for use with a specific company or 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 2025-04-20 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: MD

Complaint narrative:
Subject : Dispute of Incorrectly Reported Late Payment Violation of 15 USC 1666b To Whom It May Concern, I am filing a complaint concerning an inaccurately reported late payment on my credit report. This reporting appears to violate the Truth in Lending Act, specifically 15 USC 1666b, which requires that a creditor allow a reasonable grace period ( at least 21 days ) before treating a payment as late. 

The account in question is : Creditor Name : XXXX XXXX XXXX Date of Reported Late Payment : XXXX. 2021 and XXXX. 2021 Credit Bureau Reporting the Late Payment : Experian / Equifax / TransUnion I made my payment on time based on the billing statement and within the grace period. However, the creditor reported the payment as late and submitted it to the credit bureaus. I requested a correction directly from the creditor and the credit bureau, but the issue remains unresolved. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and require the creditor and/or credit bureau to delete it from my credit report in compliance with the law. 


This inaccurate reporting is negatively impacting my credit profile, and I am exercising my right to dispute this under federal law. Please address this matter 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 non-monetary relief
Consumer complaint received 2025-04-20 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: MD

Complaint narrative:
Subject : Dispute of Incorrectly Reported Late Payment Violation of 15 USC 1666b To Whom It May Concern, I am filing a complaint concerning an inaccurately reported late payment on my credit report. This reporting appears to violate the Truth in Lending Act, specifically 15 USC 1666b, which requires that a creditor allow a reasonable grace period ( at least 21 days ) before treating a payment as late. 

The account in question is : Creditor Name : XXXX XXXX XXXX Date of Reported Late Payment : XXXX. 2021 and XXXX. 2021 Credit Bureau Reporting the Late Payment : Experian / Equifax / TransUnion I made my payment on time based on the billing statement and within the grace period. However, the creditor reported the payment as late and submitted it to the credit bureaus. I requested a correction directly from the creditor and the credit bureau, but the issue remains unresolved. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and require the creditor and/or credit bureau to delete it from my credit report in compliance with the law. 


This inaccurate reporting is negatively impacting my credit profile, and I am exercising my right to dispute this under federal law. Please address this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I have not received any monthly statements, I called XXXX bank XX/XX/year> to make a payment over the phone and was told that they could not authenticate me because I was giving them an incorrect billing address, I then went into XXXX store and was to, d that they could not accept a payment because my credit card mailing address did not match my drivers license. I have lived at the same address for XXXX years. 

I am asking that the late payments be removed from my credit file due to no correspondence between XXXX and myself my mail and or phone. I would like an opportunity to pay the balance of the credit limit on the card which was {$400.00} ; I believe it is unfair to report late payments to my credit file when I have not received any bills by mail, no correspondence over the phone, and unable to make payments at a XXXX store. 

This account is showing late payments on my credit report as well as a remark that reads closed by the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Formal Complaint Unresolved Wire Transfer Fraud Wells Fargo Claim XXXX  XXXX Dear CFPB Representative : I am filing a formal complaint against Wells Fargo Bank, XXXX, regarding their handling and denial of a fraud claim related to an unauthorized wire transfer from my savings account ( XXXX ending in XXXX ), in the amount of {$1000.00} on XX/XX/year>. 

Despite my immediate efforts to report and stop the transaction, Wells Fargo determined that because the transaction was performed using my online credentials, I am liableeven though I did not authorize it. I reported the fraud to the XXXX XXXX  XXXX Sheriffs Office XXXX XXXX on XX/XX/year>, and a criminal investigation is underway under XXXX XXXX Case Number XXXXXXXX XXXX XXXX 

The funds were wired to a XXXX XXXX  XXXX Bank account held by XXXX XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX. I provided this information to Wells Fargo. They attempted a wire recall but were unsuccessful in retrieving the funds. 

I am protected under the XXXX XXXX Electronic Fund Transfer Act ( Regulation XXXX XXXX XXXX XXXX ) XXXX XXXX, which clearly states that a consumer is not liable for unauthorized electronic fund transfers if reported in a timely manner. I complied with all timelines and took action in good faith. The use of my credentials without my authorization falls within the definition of unauthorized under Regulation XXXX. 

I am requesting the CFPB to investigate Wells Fargo 's practices and to assist me in ensuring a full and fair resolution, including reimbursement of the stolen funds. I believe this case reflects a failure by the institution to honor federally mandated consumer protections. 

Sincerely, XXXX XXXX XXXX XXXX Phone : 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 2025-04-20 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX : account 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXLAST XXXX OF MY SS XXXX XXXX  SHUT DOWN ANY ACCOUNTS THATS BEEN IN MY NAME IN THE LAST XXXX  DAYS & REMOVE ALL ACCOUNTS THATS BEEN ADDING BACK TO MY SS THATS ID THEFTXXXXRECENTLY I HAVE BEEN A VICTIM OF IDENTITY THEFT CAN YOU PLEASE REMOVE EVERYTHING THAT WAS MOVED AT XXXX WITH OUT MY CONSENT , I HAVE BEEN A VICTIM OF IDENTITY THEFT , THIS GUY THAT GOES BY THE NAME XXXX XXXX  HAS A VPN HOOKED TO MY MOTHERS WIFI ROUTER AND HAS BEEN SUBMITTING AND GETTING EVERYTHING UNDER WRITTEN IN MY NAME IT ALSO SAY I HAVE INSURANCE IN MY NAME ALL THE WAY IN LA REMOVE IT THATS FRUAD HE ALSO HAVE THE PASSWORD TO MY ICLOUD AND IS CURRENTLY USING IT NOW XXXX XXXXLOGGED INTO MY XXXX XXXX  ACCOUNT AND TOLD THE PEOPLE I WAS SELLING MY INFORMATION AND GOT MY ACCOUNT LOCKED MY PHONE HAS BEEN LOCKED XXXX  DAYS NOW XXXXHE ALSO LOGGED INTO MY HIRE.WORK ACCOUNT AND NOW IS RECEIVING MY UNEMPLOYMENT XXXX SAYING I GOT CAR INSURANCE LOL I DONT EVEN HAVE A CAR'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Express Collections, Inc.
State: SD

Complaint narrative:
I was contacted By XXXX XXXX at Express Collections regarding a XXXX XXXX  vet bill. I told her this was more than XXXX years ago per XXXX XXXX and can not be collection, in addition to disputed as a {$200.00} procedure no way equals XXXX  XXXX she is requesting. I requested documentation of debt, acrual of charges and signed agreement for valid debt. I also requested no further verbal communication. XXXX has decided since to call my family members and friends and let them know she is trying to reach me " regarding my debt '' she has not provided any validation of debt and is in violation of at least XXXX of the fair collections orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have tried several times to resolves this misunderstanding including dealing with several different companies for XXXX alleged account. According to FDCPA, XXXX CXXXXes XXXX, XXXX ( b ), XXXX ( d ), violates my rights as a consumer and correct reporting to credit bureaus. This company is violating my credit worthiness, credit standing, reputation, character and mode of living. This reporting has led to job loss creating unfavorable living conditions as well as an invasion of privacy. Please remove from my credit report as this is not my account and several collection practices have been violated by several XXXX CXXXXes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an email from Capital One inviting me to apply for their XXXX Credit Card and if approved, I would received a sign-up bonus of {$300.00} if I spent {$500.00} within 3 month. I then signed up for the credit card and got approved and eventually received my credit card before the offer expired on XX/XX/XXXX. Usually, when you sign up for this credit card, you would receive a sign-up bonus of {$200.00} if you spent {$500.00} within 3 month but I supposed they had a promotion of some sort. 

On XX/XX/XXXX, I called Capital One 's customer service because after reviewing my credit card statements, I qualified for the bonus. I called them to ask about my bonus and they proceeded to tell me that the XXXX Credit Card doesn't have that type of bonus. I then explained to them that the reason why I signed up for this credit card was because of the bonus that they not only advertise on their website but also in the email they sent me on XX/XX/XXXX. They acknowledged that they did send me an email on XX/XX/XXXX about the increased sign-up bonus for the XXXX Credit Card but XXXX proceeded to say that that bonus did not apply to the XXXX Credit Card XXXX 

The person also stated that the bonus ( specifically the sign up bonus that Capital One advertises with this card ) was not offered when I signed up for the XXXX Credit Card however, this was untrue. I received that email from Capital One about the increased sign up bonus on XX/XX/XXXX and opened an account on XX/XX/XXXX ( the date that is on my account opening disclosure ). The increased sign-up bonus offer expired on XX/XX/XXXX. I had already signed up for the account before the expiration date and spent {$500.00} with in 3 months of the open date so I should've received the sign-up bonus. 

In conclusion, Capital One states that if you open up a XXXX Credit Card and spend {$500.00} within the first 3 months of opening the account, you will receive {$200.00}. However, from the email they sent me on XX/XX/XXXX, I was supposed to receive {$300.00}. I did not receive the {$300.00}, {$200.00}, or any sign up bonus and was told that the XXXX Credit Card does not have a sign up bonus even though Capital One advertise that it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding Navy Federal Credit Union 's failure to respond to a formal dispute I submitted concerning inaccurate late payment information and a charged-off status reported on my credit file. 

On XX/XX/XXXX, I mailed a detailed dispute letter to Navy Federal Credit Union regarding my account ending in XXXX The letter requested the removal of multiple late payments ( dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and the charge-off status, which I believe to be inaccurately reported. I also raised the issue that this was originally a secured credit card account that Navy Federal later treated as unsecured, creating further confusion and impact on my credit profile. 

In the letter, I proposed XXXX good-faith resolution options and requested a response within XXXX days, in line with standard dispute resolution practices and the Fair Credit Reporting Act ( FCRA ). Unfortunately, I have not received any response or acknowledgment from Navy Federal Credit Union to date. 

This lack of response is deeply concerning, especially considering the significant and ongoing negative impact these reported items have had on my credit standing, as well as the emotional and financial hardship caused. 

I am requesting that the CFPB contact Navy Federal Credit Union to investigate and ensure a formal response to my dispute, including :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: AL

Complaint narrative:
I sent a request for both collections from XXXX on my TransUnion account. I have yet to receive a response or acknowledgement of my request. The company continued to report negative information on my credit file, and it have been months since I sent my request.. They also sent court order documents.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a valid identity theft report to Experian which led them to delete multiple fraudulent accounts from my credit profile. However, Experian are refusing to delete the addresses tied tied to those same fraudulent accounts. Their denial contradicts their own actions and violates FCRA 605B. I sent Experian a formal legal demand letter requesting deletion of the addresses, documentation under FCRA 611, and sworn verification. They responded with generic language claiming the address is linked to a " non-disputed account, '' ignoring that the same address was used to commit fraud they already confirmed. This is willful noncompliance under FCRA 605B, 611, 616, and 617. I also believe Experian is using internal or affiliated vendors ( e.g. XXXX, XXXX  XXXX  ), which is not legally compliant under 611 ( a ) ( 1 ) ( A ). Fraudulent addresses to be deleted : XXXX XXXX XXXX, XXXX, NY XXXX ID # XXXX Former Addresses : XXXX XXXX XXXX, XXXX Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl 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 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I've been a customer of XXXX for a few years, then BMO aquired them and transferred over my account/credit card. I got a XXXX card from BMO that I used for a while. Recently, both cards were at XXXX balance. I received letters that as of XX/XX/XXXX both credit card accounts were closed " for better business alignment ''. I called and BMOsupport conveyed the same reason, and the fact that it has nothing to do with my standing as a customer.

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