vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: AL

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2025-09-04 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: 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. XXXX 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 ) XXXX States : no consumer reporting agency XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) ( 1 ), which requires consumer reporting agencies to block information resulting from identity theft within four business days of receiving proper notification. Despite submitting an FTC Identity Theft Affidavit Report ( # XXXX ) and notifying Equifax of the fraudulent activity under CFPB Case Number XXXX, they have failed to respond or take the necessary action. 

Equifax has also disregarded evidence of XXXX 's unauthorized changes to loan terms. These changes resulted in usurious interest rates exceeding the XXXX 's XXXX  % interest cap, in violation of 12 U.S.C. 1757 ( 5 ) ( A ). XXXX 's actions, including attempting to extort an additional {$10000.00} after I had already paid the full amount under the promissory note at a XXXX  % interest rate, constitute not only identity theft and loan fraud but also a breach of the XXXX 's interest XXXX  % interesr cap, rendering any additional funds usurious and resulting in inaccurate credit reporting. 

Furthermore, Equifax has failed to address XXXX XXXXXXXX XXXX fraudulent opening of XXXX accounts using my information through a third-party attorney, violating identity theft protections under 15 U.S.C. 1681c-2 ( a ).

To resolve this matter, Equifax must immediately block all information related to the identity theft accounts as required under 15 U.S.C. 1681c-2 ( a ) ( 1 ). Equifax must also investigate and address the evidence of XXXX 's illegal actions, including the usurious interest rates and fraudulent loan modifications, and rectify the fraudulent accounts opened by XXXX XXXX using my information. Equifax 's failure to act has caused significant harm, and I demand immediate corrective action and confirmation of the resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account was never late! I have had exceptional payment history 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 XXXX XXXX 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 XXXX 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 XXXX XXXX ( a ) Time to make payments A creditor XXXX 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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
BANK OF AMERICA, XXXX, AND XXXX XXXX 
XXXX 2021 THIS BANK DOESN'T LET ME OPEN AN ACCOUNT. 
PLEASE, I NEED A BANK ACCOUNT. IT IS NOT FAIR THAT EVERY TIME I APPLY TO THIS BANK, I AM DENIED MY APPLICATION

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 2025-09-04 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal resolved my issue from Member Deals for {$350.00} and cleared the balance. Then a couple months later PayPal charged my PayPal credit card and put {$350.00} balance back to my PayPal credit card. This is a sneak way because I barely check my PayPal balance all the time.

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 2025-09-04 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-04 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: CO

Complaint narrative:
I am submitting this complaint regarding several discrepancies and concerns I have found on my credit report, which I believe violate provisions of the Fair Credit Reporting Act ( FCRA ). I have attempted to manage my credit responsibly, and during a recent review, I discovered multiple issues that raise concerns about accuracy, completeness, and compliance with federal credit reporting laws. 

XXXX XXXX Charge-Off {$1500.00} ( Acct : XXXX ) This account is being reported as a charge-off or " Profit and Loss Write-Off. '' However, I have never received a Form 1099-C, which would indicate that the debt was canceled or forgiven by the creditor. According to IRS regulations, cancellation of debt over {$600.00} must be reported via a 1099-C. The absence of this form suggests the debt has not been officially forgiven and is possibly still collectible. 

This creates confusion and potential misrepresentation in my credit file. If the debt remains collectible, continuing to report it as a charge-off could be misleading and damaging.

FCRA Violations : Section 607 ( b ) Failure to ensure maximum possible accuracy.

Section 605 ( a ) ( 4 ) Charge-offs may only be reported for 7 years from the date of first delinquency.

Section 602 ( A ) Congress mandates fair and equitable credit reporting. 

I request reinvestigation of this item to confirm whether it is being reported accurately and in compliance with both FCRA and IRS regulations. 

XXXX XXXX Closed Account Still Reporting Late Payments ( Acct : XXXX ) This account was paid and closed, with a balance of {$0.00}. Despite this, it is showing late payments dated XXXX and XX/XX/year> after the account was closed. This is contradictory, misleading, and appears to be an error.

FCRA Violations : Section 609 ( a ) ( 1 ) Right to complete and accurate information. Section 611 ( a ) Right to dispute inaccurate or incomplete information. Section 607 ( a ) Furnishers must not report misleading information. 

I request a full review of this accounts reporting. If these late payments are invalid or inaccurately applied to a closed account, they must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and others My credit report shows a large number of inquiries from auto lenders and banks during a short period in XXXX. To the best of my knowledge, I did not authorize all these hard inquiries. If they resulted from a single credit application ( e.g., auto loan ), FCRA guidance suggests they should be grouped and counted as one for scoring purposes. 

Additionally, I suspect some of these inquiries may have occurred without my consent.

FCRA Violations : Section 604 ( a ) ( 3 ) Permissible purpose required.

Section 604 ( c ) ( 1 ) ( A ) Written consent needed for non-initiated inquiries.

Section 609 ( a ) ( 3 ) Right to know who accessed my credit report and why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no connection to these accounts ; remove them within XXXX  days in accordance with USC 1681g.

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 2025-09-04 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: CA

Complaint narrative:
My account with EQUIFAX XXXX  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. EQUIFAX XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I noticed that my credit report still lists inaccurate accounts, which have not been corrected. I am therefore requesting a thorough review of the attached documents so that this problem is permanently resolved.

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 2025-09-04 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: IL

Complaint narrative:
Complaint Narrative : I am filing this complaint because XXXX, XXXX, and TransUnion are reporting false and contradictory derogatory information on my XXXX XXXX XXXX XXXX XXXX ) personal loan. 

Account details : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Terms : XXXX  months Monthly Payment : {$140.00} Balance : {$4100.00} Status : Current / Active Issues : False derogatory reporting The account is marked as Negative even though it is open, current, and being XXXX XXXX XXXX 

Inaccurate late payments Multiple XXXX late notations have been added in XXXX, despite the account showing XXXX. 

Conflicting activity dates XXXX XXXX and TransUnion show different last activity dates. 

Contradictions in reporting The loan can not be simultaneously Current and Negative. 

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : XXXX ( XXXX XXXX XXXX ) Reports must assure maximum possible accuracy. 

XXXX ( XXXX XXXX. XXXX ) Prohibits obsolete or false derogatory data. 

XXXX ( XXXX XXXX. XXXX ) Bureaus must establish reasonable procedures for accuracy. 

XXXX ( XXXX XXXX. XXXX ) No proof of delinquency has been provided. 

XXXX ( XXXX XXXX. XXXX ) Requires reinvestigation of disputed items within XXXX  days. 

XXXX ( XXXX XXXX. XXXX ) Prohibits furnishers from knowingly reporting false data. 

FDCPA : XXXX ( XXXX XXXX. XXXX ) Prohibits false or misleading credit information. 

XXXX ( XXXX XXXX. XXXX ) Prohibits unfair credit practices.

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 2025-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX  Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-04 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 explanation
Consumer complaint received 2025-09-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I call XXXX  2 months ago and ask why I can't be verified by the apartment complex me and my children are moving too. The customer rep stated, There is a " Blocked for promotional purposes on my credit report. I asked them why she stated because we can do what we want '' ... I have disputed this and asked it XXXX be removed, I have mailed them my ID and SSI card two months ago as requested by the customer service agent ( no response ) from XXXX  becuse this is holding up my life and I will be homeless if I'm not verified by XXXX  ... I have had no problem being verified with XXXX  now all of a sudden a block has be place on my credit report with XXXX for no reason and I want it removed permanently. I am asking again for this to me removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief