vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX * * * * Balance : {$38000.00} XXXX  XXXX * * * * Balance : {$4300.00}

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I noticed fraudulent charges on my statement in the app. I called to report them and they gave me a bogus runaround, also XXXX  orders hadn't been delivered there was over XXXX dollars called bank to see I they would help resolve it. The files claims and then just went down hill from there. They issued new cards and before I could get me we cards they were calling wanting me to verify charges on the new card I hadn't received yet gave me bogus stories as to why. It just gets worse and worse rude employees to them selling my info along with refusing to do investigations even the branch was highly unprofessional didn't want to help. Held a check for reason they couldn't give and it's a long list

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Credit Bureau I tried to file a dispute online with www.experian.com, but there's no place on their form for me to get this erroneous information removed. By Experian not having the option to removed erroneous personal information, they have me blocked. There are other names and addresses listed on my Experian credit report. 
Here 's the information that doesn't belong to me. 

Names Also known as XXXX XXXX XXXX Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am writing to formally dispute a phone bill that appears on my credit report or was contacted to me by your agency.I am not responsible for this account, and I do not recognize this debt as mine. 

I request that you immediately cease collection efforts for this account and provide all relevant documentation proving that I am legally obligated to pay this debt, including a copy of the original contract bearing my signature and any account statements. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Verification of the alleged debt ; The name and address of the original creditor ; A complete payment history and explanation of charges. 

Until this information is provided, I request that you stop reporting this account to any credit reporting agencies. If this debt is found to be the result of fraud or identity theft, I may pursue additional steps to have it removed entirely. 

This letter is not an acknowledgment of liability, nor is it a promise to pay. Please consider this a formal dispute of the validity and ownership of the debt.

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: NM

Complaint narrative:
Experian, Equifax and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports/files that do not belong 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Experian, Equifax and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports/files that do not belong to 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 2025-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
b'theses hard inquiries dont belong to me, hasnt being authorized by me and has to be removed, also all this well har inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Issue : Missing tradeline affecting credit score I have a TD Bank credit card called " XXXX XXXX XXXX' with a {$14000.00} credit limit. This card is in good standing and Ive never missed a payment. 

TD Bank representatives ( XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX and XXXX, XXXX ) confirmed that they report my credit activity to XXXX XXXX XXXX XXXX every 31 days. 

However, my XXXX  credit report does NOT show this account at all. I called XXXX, but the manager on duty was unhelpful and told me it was a TD Bank issue. 

I pulled all three credit reports. XXXX XXXX XXXX show the account with accurate, up-to-date information. XXXX  does not. 

In XX/XX/XXXX, my XXXX XXXX was XXXX. It dropped to XXXX because XXXX  reports that Your total credit limit decreased by {$14000.00}. That is incorrect. The account is open and in good standing. 

This also happened in XX/XX/XXXX, so I am asking for a permanent resolution to ensure XXXX  properly receives and displays my TD Bank credit card information going forward. 

Additionally, I request that my credit score be adjusted to reflect this error once the tradeline is restored.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Theres one fraudulent account on my credit report due to identity theft

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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bank with chase. A couple days ago my friend sent me {$500.00} to purchase something. I had returned the item with the intention of sending the XXXX back to my friend. As soon as XXXX sent back the refund, I went on XXXX through the chase app to send my friend his {$500.00}. While doing so a participant with his same name, mind you I dont know how this person ended up on my contact list, I do not know who this is nor do I know why hes on the list. He is apparently in XXXX  and I am in XXXX. So assuming it was my friend because they literally had the same name I sent the {$500.00} and contacted my friend to verify that he received it. He denied the fact he got the money and we realized I had sent it to the wrong person. Now I first contacted the person to ask for my money back and I am sure they are ignoring my text because they have no responded. I called my bank and the only thing they could do apparently was try to dispute and they could not guarantee and refund even though it is MY money so Im not sure why they cant cancel the transaction or somehow get it back. With this situation I have decided I will be switching from chase becsuse {$500.00} is a lot of money and I owe it to my friend, now I am not sure what to do. I did my research and found that I can somehow get help through XXXX so Im hoping that I can get my {$500.00} back so I can send it to my friend. For those reading this, do not bank with chase if you use XXXX, they are quite literally useless.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im filing this complaint because I dont know what else to do at this point. Ive disputed the same XXXX XXXX XXXX accounts over and over again, and while theyve been deleted more than once, they keep getting reinserted into my credit report without any proper notice, any certification, or any explanation. This has happened XXXX times now. Im exhausted and extremely frustrated. I feel like Im being ignored, and my rights under the law are being completely disregarded. I already filed a CFPB complaint on XX/XX/year>, about this exact issue when the accounts were reinserted the second timeCase # XXXX. The company responded that they had deleted both XXXX XXXX accounts as a result of that dispute. And yet, here we are again. The same accounts have reappeared on my report, making this the third time Ive had to fight the same battle. This is not just carelessnessits clear, repeated misconduct. This is a direct violation of the Fair Credit Reporting Actspecifically 15 U.S.C. 1681i ( a ) and 1681i ( 5 ) ( B ) ( ii )- ( iii ). The law says if an account is deleted due to a dispute, it can not be reinserted unless : ( 1 ) the furnisher certifies the information is accurate and complete, and ( 2 ) the credit bureau provides written notice to me within five business days. Neither of those things happened. I never got any notice. I never received any verification or documentation. Nothing. Theyre just quietly re-adding the same accounts I already disputed and won. Thats not a technicality. Thats a serious legal violation. On top of that, the reporting is inconsistent between credit bureaus, which proves there is no reliability or accuracy in the data. Thats another violation of 15 U.S.C. 1681e ( b ), which requires all information in my file to be reported with maximum possible accuracy. They are failing miserably at that. Im tired of going in circles. This isnt a one-time mistake. Its happening again and again. Its reckless, its negligent, and at this point, it feels intentional. I AM DEMANDING THESE ACCOUNTS BE PERMANENTLY AND IMMEDIATELY DELETED FROM MY CREDIT FILE. No more reinsertions. No more verified without proof. No more silence. Im asking the CFPB to intervene and make sure this credit bureau is held accountable. I want to see the documentation theyre supposed to have. If they cant comply with the law, then they have no business reporting these accounts at all. I have a right to accurate reporting and a right to be notifiedand right now, both are being completely ignored.

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 2025-05-16 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: MD

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-16 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: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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: NY

Complaint narrative:
My accounts 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 to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX CREDIT CARD ACCOUNT IS FRAUD AND HARD INQUIRY

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 2025-05-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
- Creditor Name : XXXXXXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/year> - Balance : {$4400.00} in accordance with the fair credit reporting act this account has violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681, 15 USC 1681e , 15 USC 1618, and 15 USC 1692c

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found this specific collections account on my credit report that was not open by me. This has been hurting me as I am in the process of buying a home for my family. I have not been contacted or warned of any debt by the debt collector " The CBE Group Inc. '', I only found out of this debt collector due to me receiving a credit alert. I have been very attentive to my credit report checking my alerts through credit monitoring at least 3 times a week! I was just preapproved to purchase my family a home and now this disaster has happened. Please remove these fraudulent accounts from my credit report as soon as possible. 

Listed on my XXXX, XXXX, and XXXX  report the original creditor is XXXX XXXX XXXX, the collection agency listed is THE CBE GROUP INC the account number to reference is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I transferred XXXX separate payments through XXXX XXXX to my landlord for XX/XX/XXXX rent. Both were for $ XXXX on XX/XX/XXXX and XX/XX/XXXX. I have receipts for both and the money is out of my account. My landlord says he only received one. I cant get anyone at XXXX XXXX to do anything other than to tell me it was transferred. I need to speak with a supervisor in order to figure out what happened but there is never one available. It sounds like the staff is working from home in bed and half asleep. I have read hundreds of complaints about this bank. How are they not shut down? His bank says they never received one of the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief