vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
LATE PAYMENT : 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 XXXX. 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. XXXX USC XXXX 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! 


XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2025-08-12 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: NC

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 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-08-12 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XX/XX/XXXX bought product from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Suppose to receive in two weeks. Never received until XX/XX/XXXX XX/XX/XXXX requested refund from merchant after not receiving any return emails as instructed by credit card customer service. Havent not received product yet and was paying on credit card monthly bill. 

XX/XX/XXXX merchant ships product disregarding request for refund, or return a form of email or voicemails. 

XX/XX/XXXX receive product. I contact merchant through email to verify it is correct. Merchant ignores remaining emails sent. 

XX/XX/XXXX open dispute with credit card company. 

XX/XX/XXXX I receive letter from credit card company they never receive information XX/XX/XXXX second dispute opened XX/XX/XXXX they close it XX/XX/XXXX they receive certified letter with information they requested to XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX. XXXX is still in XXXX. XXXX as of XXXX. 

XX/XX/XXXX third dispute opened XX/XX/XXXX dispute was closed again for not recieving info. Certified letter is still in their P.O. Box where they requested I sent information to. 

XXXX XXXX multiple calls with credit card customer service to get help to resolve issue with dispute. They tell I need to send information to them. I explain the information is in their P.O. Box and they refuse to help me. They say that isnt their department and they can not do anything. Talk to supervisor and they say to remail information to P.O. Box again. I explain its already in there I can track certified mail. They still refuse to offer alternative solutions. Tell me to contact merchant, merchant will not return my emails or voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
I do not escrow for taxes or insurance. I was asked to provide evidence of insurance coverage online, which I did. In fact, I provided it several times and received emails each time stating I did not need to do anything further. They then sent me a letter saying I had a lapse in coverage and purchased a policy on my behalf even though it was unnecessary. They are now increasing my payment to cover the {$46.00} that should not have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was instructed to fill out beneficiary paperwork by Capital one for my deceased sister 's account. attached is the letter and request needed to settle her account. The bank claims that I was not a valid beneficiary but only advised me me of this after my sister passed away, in spite of the fact that they send me, as beneficiary, this request for death certificate and notarized LOI. 
If capital one wasn't going to accept the beneficiary designation, they should have told me or my sister this when the beneficiary form was completed online. the bank had ample time to review this yet did not, and after my sister 's death, there's not much I can do to cure this. She wished to remove her husband from the estate and the bank is not allowing this to occur. 
the complaint is specifically addressing the timing of capital one 's decision and their previous acknowledgment of my beneficiary designation through the attached correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate reporting by XXXX on my TransUnion and XXXX  credit files. The account in question is reported as charged-off, but there are multiple inconsistencies between the credit bureaus and the information reported by the creditor. 

Details of Inaccuracies : Balance : TransUnion reports a balance of {$8600.00}, while Equifax reports {$8300.00}. 

Date of Last Activity : XXXX reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 

Last Payment Date : TransUnion reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 

Date Opened : TransUnion reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 

These discrepancies are material and affect the accuracy and completeness of my credit profile. I have previously disputed these inaccuracies with both credit bureaus, but the creditor has failed to correct or verify the information as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-12 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:
To Whom It May Concern, I am submitting this complaint regarding inaccurate reporting by XXXX on my XXXX and Equifax credit files. The account in question is reported as charged-off, but there are multiple inconsistencies between the credit bureaus and the information reported by the creditor. 

Details of Inaccuracies : Balance : XXXX reports a balance of {$8600.00}, while Equifax reports {$8300.00}. 

Date of Last Activity : XXXX reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 

Last Payment Date : XXXX reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 

Date Opened : XXXX reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 

These discrepancies are material and affect the accuracy and completeness of my credit profile. I have previously disputed these inaccuracies with both credit bureaus, but the creditor has failed to correct or verify the information as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
I am writing to formally request that you block from my credit report all information that is the result of identity theft, as provided under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I have been the victim of identity theft, and certain information in my credit file does not relate to any transaction or account that I authorized. Specifically, the following account ( XXXX ) and/or item ( XXXX ) are fraudulent : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Account Number XXXX * * * Balance {$9000.00} XXXX XXXX  Account Number XXXX Balance {$2400.00} XXXX Card Account Number XXXX Balance {$2600.00} XXXX XXXX Account XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX Account Number XXXX Balance {$4800.00} XXXX XXXXXXXX Account Number XXXX Balance {$1400.00}

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 2025-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: GA

Complaint narrative:
Credit Alert Derogatory Account Reported By Uscb America Reported On XX/XX/year>XXXX  Account Balance {$570.00} Call Uscb America ( XXXX ) XXXX Submit debt validation letter to collection agency XXXX XXXX XXXX I recently reviewed my credit report and noticed a derogatory account reported by USCB America on XX/XX/year>, showing an account balance of {$570.00}. I contacted USCB to request validation of this debt and received confirmation of my request on XX/XX/year>. 

As of today, XX/XX/year>, I have not received any follow-up communication from USCB regarding the validation or resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my XXXX  and XXXX  health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding an inaccurate and unlawful collection account being reported by XXXX XXXX XXXX XXXX on my TransUnion credit report. This account is listed as originating from XXXX and reflects a balance of {$600.00}. 

I previously disputed this account directly with TransUnion as it is inaccurate for the following reasons : 1. This is a third-party collection account that was sold by the original creditor ( XXXX ) XXXX XXXX XXXX XXXX XXXX The reporting furnisher has no verifiable proof that they have the legal right to collect or report this alleged debt. 
2. The balance was recently increased from the original amount, which is unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) unless supported by verifiable documentation of fees or interest that are expressly authorized by the original agreement or by law.

3. I have never received proper validation of this debt from XXXX XXXX XXXX despite my right to request verification under the FDCPA. 
4. This account is damaging my credit profile and does not meet the accuracy, completeness, and verifiability requirements under the FCRA ( 15 U.S.C. 1681e ( b ) ).

I am requesting the CFPB to investigate this matter, require XXXX XXXX XXXX XXXX and TransUnion to provide full documentation proving the validity, ownership, and amount of this debt, and have the inaccurate account permanently deleted from my credit report if such documentation can not be provided.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Back in 2023 XXXX reported inaccurate information that is .on my credit report. They reported on the months of XXXX, XXXX, XXXX, XXXX, current XXXX, 90 days past due XXXX, 120 days past due, XXXX  150 days past due, XXXX and XXXX  180 days past due. I tried to call the company to get it corrected and no luck, I called XXXX because they have the loans now to let them know that it's incorrect and no luck. Disputed it with the credit bureaus and no luck. These late payments that are reporting are affecting my credit score, even if it is closed. I will like for these accounts to be updated correctly. During this time my loans was supposed to be in forbearance while they wait on the PSFL application to be completed. Also how can the credit bureau keep updating my accounts as accurate and I can't even get in contact with the servicer XXXX, they keep sending me to XXXX cause now they service the old loans.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Back in 2023 XXXX reported inaccurate information that is .on my credit report. They reported on the months of XXXX, XXXX, XXXX, XXXX, current XXXX, 90 days past due XXXX, 120 days past due, XXXX  150 days past due, XXXX and XXXX 180 days past due. I tried to call the company to get it corrected and no luck, I called XXXX because they have the loans now to let them know that it's incorrect and no luck. Disputed it with the credit bureaus and no luck. These late payments that are reporting are affecting my credit score, even if it is closed. I will like for these accounts to be updated correctly. During this time my loans was supposed to be in forbearance while they wait on the PSFL application to be completed. Also how can the credit bureau keep updating my accounts as accurate and I can't even get in contact with the servicer XXXX, they keep sending me to XXXX cause now they service the old loans.

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 2025-08-12 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: MI

Complaint narrative:
Back in 2023 XXXX reported inaccurate information that is .on my credit report. They reported on the months of XXXX, XXXX, XXXX, XXXX, current XXXX, 90 days past due XXXX, 120 days past due, XXXX  150 days past due, XXXX and XXXX  180 days past due. I tried to call the company to get it corrected and no luck, I called XXXX because they have the loans now to let them know that it's incorrect and no luck. Disputed it with the credit bureaus and no luck. These late payments that are reporting are affecting my credit score, even if it is closed. I will like for these accounts to be updated correctly. During this time my loans was supposed to be in forbearance while they wait on the PSFL application to be completed. Also how can the credit bureau keep updating my accounts as accurate and I can't even get in contact with the servicer XXXX, they keep sending me to XXXX cause now they service the old loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
Requesting a check on this late entryit seems off.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
To Whom It May Concern : I am formally requesting validation of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

According to your records, you claim I owe {$410.00} to XXXX under File Number XXXX and Original Creditor Account Number XXXX. I dispute this alleged debt and request that you provide complete verification, including but not limited to : The name and address of the original creditor. 
An itemized accounting of the alleged balance, including principal, interest, late fees, or other charges. 
Copies of any signed agreements or contracts linking me to this debt. 
Proof that you have the legal right to collect this debt, including any assignment or purchase agreement. 
Proof of your licensing to collect debts in my state ( license number and issuing authority ). 
Until such documentation is provided, you must cease all collection activities, including any reporting or continued reporting of this account to any credit reporting agency. 
Please be advised this is not an acknowledgment of liability for the debt in question. This letter serves as my good faith effort to resolve the matter and is being submitted alongside my complaint to the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief