vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 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 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF Items TO BE REMOVED XXXX XXXXXXXX BALANCED {$4100.00} XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-01 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-01 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: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX  FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX  concerning inaccurate, unverifiable, and damaging information being reported on my credit reports. 

Account Information : Creditor : XXXX XXXX XXXX Issue : Charged-off credit card account with high balance reported without validation Violations : FDCPA 809 : Failure to validate alleged debt FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information without proper investigation FCRA 609 ( a ) ( XXXX ) : Failure to provide verification of the account XXXX XXXX XXXX is reporting a charged-off credit card account with a high balance owed. I have requested verification of this account, including a signed agreement and detailed account statements, but have not received valid proof that this debt belongs 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by 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 2025-04-01 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: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under Gramm Leach Bliley ACT Consumer reporting agencies must comply with federal law under FCRA section 605B block information resulting of identity theft. FTC report attached including identifying information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
Follow-up to CFPB Complaint # XXXX Verified Identity, Deliberate Delay, and Ongoing FCRA Violations I am submitting this update to formally document that Equifax is willfully stalling and obstructing my dispute, in direct violation of the Fair Credit Reporting Act ( FCRA 611 ) and related provisions. 

On XX/XX/year>, I mailed a complete dispute package via certified mail. It included : A copy of my drivers license A copy of my Social Security card A written dispute letter, explicitly requesting a manual reinvestigation and a clear disclosure of the method of verification used ( i.e., not e-OSCAR or any automated system ) Proof of my current address Equifax received and signed for this package on XX/XX/year>. 

Since then, over 40 days have passed, and Equifax has failed to : Complete the investigation within the 30-day legal timeframe Provide a final determination or resolution Disclose how the dispute was verified ( manual or automated ) Remove outdated or inaccurate personal address information, despite multiple previous disputes What makes this more egregious is that Equifax mailed a response regarding this very CFPB complaint to my current address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This confirms they have verified my identity and residence yet they continue to falsely claim they can not confirm this information to justify not processing my dispute. That contradiction is not only unprofessional it demonstrates intentional obstruction and noncompliance with FCRA obligations.

This behavior is part of a documented pattern of delays, unaddressed disputes, and refusal to update or remove clearly outdated or inaccurate data. Equifax has repeatedly : Ignored valid disputes Failed to initiate reasonable investigations Refused to delete incorrect addresses Ignored physical documentation already submitted Requested Resolution : I am requesting immediate CFPB intervention and enforcement. Specifically, I am demanding that Equifax : Fully process and resolve my dispute within 7 business days Provide a written disclosure of the method of verification used ( manual review vs. automated e-OSCAR ) Remove all outdated personal information and correct all disputed tradelines Provide written confirmation of these actions If Equifax does not comply, I will escalate this matter further through : The Federal Trade Commission ( FTC ) The Georgia Attorney Generals office And initiate civil litigation under FCRA XXXX for statutory, actual, and punitive damages Their continued delay is harming my credit profile, disrupting housing opportunities, and causing significant emotional and financial strain. I am maintaining a full legal record of Equifaxs conduct for use in any forthcoming legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 EXPERIAN TRANSUNION 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 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
After re-applying for a Line of Credit Loan and a New Credit Card with this bank that I have been banking with for many years, they refuse to approve my application for credit after I have improved my credit scores to meet their lending requirements!

I have put in multiple loan applications for the same loan and credit card within the past 12 months up until XXXX of XXXX, and this lender keeps right on DENYING ALL of MY LOAN Applications after pulling all of my credit reports! I ain't never seen nothing like this before! I strongly feel and believe that I am being DISCRIMINATED AGAINST DUE TO MY RACE, GENDER, AND AGE. I have applied for the Line of Credit Online and also inside the bank branch and got denied for no apparent reason. The bank clerk can only go by what the computer says, and the bank manager can't override the computer system decision either. The bank clerk said that they can't even see my credit scores, but she could see that my loan was denied already- and that fast.

I've never been approved for a loan or a credit card with this bank before either after applying so many times. Getting denied for these loans and credit cards has caused me great financial hardship, I'm unable to pay for items towards my health insurance, my personal debts are beginning to fall behind, my small business needs is diminishing, and I need more working capital. 
Many times, I have called this bank for answers to my banking needs, but they won't answer my calls, they keep me on hold for a very long time and transfer me to different phone operators over the same issues. When I go inside the branch, they only have one or two employees working and the lobby be filled with anxious mad customers standing in long lines waiting on the next teller.

One of the business bankers told me two different times in the recent past that they were not lending monies to restaurant businesses or the Food Service Industry! Yet this bank still promotes small minority business owners on their website! They don't have it on their website that they don't help the XXXX and XXXX XXXX! 
My questions are : Do this bank have any funds to lend to customers that look like me? Am I not bankable for any lender when all three of my credit scores are currently over XXXX points and I have not been late on ANY of my debts in over three years now???

Please tell me the truth. Are my financial needs and wants as a consumer not important at all as a XXXX woman over XXXX  years of age? Well, why do I keep getting denied for loans when I have done everything right? What about my Civil Rights?

Thanks.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : XX/XX/year> Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ), Dear XXXX XXXX, I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C XXXX 1666b ). 
I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled.

XXXX  - XXXX, [ XXXX was not late, bank errors. ] XXXX  - XXXX, [ XXXX was not late, bank errors. ] XXXX XXXX - XXXX, ( ) [ XXXX was not late, bank errors. ] Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or. 
Thank you for your prompt attention to this matter. 


Sincerely, With regards, __Alain XXXX XXXX XXXX IN WITNESS WHEREOF, I have signed and sealed this affidavit on the day and year first above written. I hereby certify that all statements made above are true, correct, and complete. 

Signed, sealed, and delivered in the presence of : Print Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
Date : XX/XX/year> Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ), Dear XXXX XXXX, I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C XXXX 1666b ). 
I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled.

XXXX  - XXXX, [ XXXX was not late, bank errors. ] XXXX  - XXXX, [ XXXX was not late, bank errors. ] XXXX XXXX - XXXX, ( ) [ XXXX was not late, bank errors. ] Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or. 
Thank you for your prompt attention to this matter. 


Sincerely, With regards, __Alain XXXX XXXX XXXX IN WITNESS WHEREOF, I have signed and sealed this affidavit on the day and year first above written. I hereby certify that all statements made above are true, correct, and complete. 

Signed, sealed, and delivered in the presence of : Print Name : 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 non-monetary relief