vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: CT

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Collection ( 3 Bureaus ) XXXX XXXX XXXX  - Account # : XXXX  - Balance : {$1200.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I currently have a XXXX account, but on my credit report, its showing that i have a collection account from XXXX in collection. Per 605b, this account does not belong to me and is a fraudulent account. Please start an investigation and delete this account from my credit report. 
The company that is reporting is the following : ( 1 ) MRS XXXX Account Number : XXXX Date opened : XX/XX/XXXX Amount : {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
My account 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. 


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 explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
My account 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.

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 explanation
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account 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.

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 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This is my second time trying to fix this issue, I was asked to verify my identity to here I am now doing as I was asked, this seems to me like Im being stalled so illegal information can stay on my credit & that will not happen remove these items immediately XXXX for the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number is XXXX, XXXXXXXX XXXX XXXX XXXX I have added my state drivers license as well as my first identity theft affidavit.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records

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 2025-03-20 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:
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 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 2025-03-20 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: OH

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
Venmo said that I had unusual activity. They had Me verify my identity n which I did so they unfroze account and then a hr later permanently shut my venmo down and said holding funds for 180 days. I had been getting my paychecks and everything on that card. They never gave a reason and won't give me my money. I've been waiting almost a month maybe more now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: 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 15 USC 1681. 
XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Equifax Credit Report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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 2025-03-21 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: PR

Complaint narrative:
I am submitting this complaint to formally dispute the presence of unauthorized and improperly reported information on my credit report. The information in question has been included in my credit file without my express written consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, and I am requesting its immediate removal as required under 15 U.S.C. 1681c-2 Legal Violations Identified Violation of 15 U.S.C. 1681b Reporting Information Without My Consent The FCRA explicitly states that consumer reports may only contain information furnished for permissible purposes and require the consumers express written consent for reporting. I never provided any consent for this account to be included in my credit file. Since my authorization was never obtained, the reporting of this account constitutes an unjustified violation of my rights under the FCRA Violation of 15 U.S.C. 1681c-2 Mandatory Blocking of Unauthorized Information Under 15 U.S.C. 1681c-2, when a Federal Trade Commission ( FTC ) Identity Theft Report is submitted, the credit bureau is required by law to block the disputed information within four ( 4 ) business days of receiving the report. The account in question was reported without my authorization, making it improper and unauthorized under federal law, and requiring its immediate deletion Unauthorized Information to Be Removed The following information has been reported on my credit file without my consent and must be blocked and permanently removed immediately XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I am exercising my legal right to request that this unauthorized information be immediately blocked from my credit report. The FCRA mandates that this information must remain blocked for at least one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor reinserted into my credit report Failure to Respond and Harm Caused Despite multiple attempts to resolve this issue directly with the credit bureau, my efforts have been ignored. This unauthorized reporting has significantly impacted my financial standing, preventing me from securing housing and financial opportunities. The accounts in question have already been removed by other credit bureaus, yet they remain on my file with your bureau, raising concerns about FCRA compliance. I have previously requested contracts or documentation proving that I provided consent for this reporting. Over 60 days have passed, and I have received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PR

Complaint narrative:
I am submitting this complaint to formally dispute the presence of unauthorized and improperly reported information on my credit report. The information in question has been included in my credit file without my express written consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, and I am requesting its immediate removal as required under 15 U.S.C. 1681c-2 Legal Violations Identified Violation of 15 U.S.C. 1681b Reporting Information Without My Consent The FCRA explicitly states that consumer reports may only contain information furnished for permissible purposes and require the consumers express written consent for reporting. I never provided any consent for this account to be included in my credit file. Since my authorization was never obtained, the reporting of this account constitutes an unjustified violation of my rights under the FCRA Violation of 15 U.S.C. 1681c-2 Mandatory Blocking of Unauthorized Information Under 15 U.S.C. 1681c-2, when a Federal Trade Commission ( FTC ) Identity Theft Report is submitted, the credit bureau is required by law to block the disputed information within four ( 4 ) business days of receiving the report. The account in question was reported without my authorization, making it improper and unauthorized under federal law, and requiring its immediate deletion Unauthorized Information to Be Removed The following information has been reported on my credit file without my consent and must be blocked and permanently removed immediately XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I am exercising my legal right to request that this unauthorized information be immediately blocked from my credit report. The FCRA mandates that this information must remain blocked for at least one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor reinserted into my credit report Failure to Respond and Harm Caused Despite multiple attempts to resolve this issue directly with the credit bureau, my efforts have been ignored. This unauthorized reporting has significantly impacted my financial standing, preventing me from securing housing and financial opportunities. The accounts in question have already been removed by other credit bureaus, yet they remain on my file with your bureau, raising concerns about FCRA compliance. I have previously requested contracts or documentation proving that I provided consent for this reporting. Over 60 days have passed, and I have received no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This is about fraud and coverup by the CFPB. I got a complaint back today that apparently the CFPB condones. If switching disputes and adding undisputed items on a consumers reports to fit their own needs is something ok with the CFPB. There is no reason to even be in business. I thought the CFPB was here to help the consumer not to cover up for the credit reporting agencies ( Experian ) on XX/XX/XXXXXXXX XXXX  Experian held a dispute while weeks before filed 2 disputes in place of the disputes I had filed. They were under investigation for breaking g federal and consumer law that the CFPB did nothing about while violating me of my rights afforded to me by the FRCA. That two was over looked after multiple disputes and complaint through both reporting agencies portal and the CFPB itself these items were going to have to be deleted. While investigating was about to be launched and an explanation as to why these items were still on my credit I submitted another dispute right after being validated for the 5th time. Except my dispute never went out. In its place Experian submitted bogas made up disputes and removed the 2 items I had been disputing showing the CFPB that they were not there and illuminating the investigation in their corruption. Right afterwards the disputes Experian filed for me that I requested the CFPB let me see ignored my request. I didnt file it and wanted to know what was said. I believe I have that right. Especially if it was supposed to came from me. Those two disputes came back validated but I was told they were deleted reason CFPB didnt investigate. So they were going right back on when legally they shouldnt I immediately did a complaint to the CFPB thinking you would investigate and deal with whom ever added and then held disputed items to fit their needed time lines. To my shock the CFPB didnt investigate this again because items were not on my credit. Condoning the malice actions of Experian. I would suggest that it highly illegal illegal for Experian or any company to go into any consumers account and make up two disputes on their own without the consumer knowing. And taking two disputes filed that same day by consumer and pulling them. Waiting just enough time to I hope tricked you. But I made the CFPB aware of what they did and again CFPB was tricked or condoned their actions either way no investigation and Experian gets away with this. I bet not. Right after this XXXX  will hear about both you and one other complaint portal. I never want to see another consumer have to deal with anything like this ever

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