vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: TX

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 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 2025-08-14 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:
Upon reviewing my credit report from your agency dated [ Date of Credit Report ], I found the following incorrect information : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reported Late Payment Date : [ XX/XX/year> ] This entry is incorrect because [ briefly explaine.g., I have never been late on this account, because my loans were deferred or in a forbearance. My daughter is still enrolled fulltime in XXXX with no gaps in enrollment. However, for some reason XXXXXXXX XXXXl decided to drop the forbearance in XX/XX/year> and gave me no notice and they have wreck my credit score by over XXXX points. I called them and they confirmed that a mistake was made and will fix one loan but not the other. The damage done to my credit is crushing. It is time for my daughter to start XXXX XXXX XXXX and I can not borrow any money for school because of the late payments showing over 90 days pass due on my credit. I would like my credit history fixed and get any damages due to me. I have included supporting documentation to verify my claim, including : Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter, verify the accuracy of the reported information, and remove or correct the inaccurate late payment entry from my credit file. 

Please provide me with the results of your investigation in writing, along with a free updated copy of my credit report reflecting the changes, as required under federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
Upon reviewing my credit report from your agency dated [ Date of Credit Report ], I found the following incorrect information : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reported Late Payment Date : [ XX/XX/year> ] This entry is incorrect because [ briefly explaine.g., I have never been late on this account, because my loans were deferred or in a forbearance. My daughter is still enrolled fulltime in XXXX with no gaps in enrollment. However, for some reason XXXX XXXX decided to drop the forbearance in XX/XX/year> and gave me no notice and they have wreck my credit score by over XXXX points. I called them and they confirmed that a mistake was made and will fix one loan but not the other. The damage done to my credit is crushing. It is time for my daughter to start XXXX XXXX XXXX and I can not borrow any money for school because of the late payments showing over 90 days pass due on my credit. I would like my credit history fixed and get any damages due to me. I have included supporting documentation to verify my claim, including : Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter, verify the accuracy of the reported information, and remove or correct the inaccurate late payment entry from my credit file. 

Please provide me with the results of your investigation in writing, along with a free updated copy of my credit report reflecting the changes, as required under federal law. 

Thank you for your prompt attention to this matter.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The addresses on my credit report are incorrect. Ive attached my documents for verification and request these addresses be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX and XXXX of this year, I traveled to XXXX ( primarily XXXX and XXXX ) and XXXX, made some purchases there, and logged into the Capital One app to pay my credit card balance. Then, on XX/XX/XXXX, they suddenly froze my account and asked for my passport. After providing my passport, the restriction was temporarily lifted, but a few hours later, when I checked my statement, I found it was blocked again. I called Capital One and submitted all the necessary information again. They then confirmed on the phone that they had decided to close my account and refused to explain why. They also immediately disconnected all XXXX connections and other information after hanging up, without giving me a reason or further explanation. The funny thing is, I only used this account to deposit a few XXXX dollars and never transferred money to any account that does not belong to me, so there is almost no reason to think it has any money laundering or other criminal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
These illegitimate accounts must be deleted in 15 days per USC 1681g, as I am not the account holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$20000.00} XXXX  XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$4300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-14 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Updated Complaint PNC Bank Ongoing EFTA Violations This is an update to my original XX/XX/year> dispute ( CFPB Complaint # [ XXXX ] ) against PNC Bank for violations of 15 U.S.C. 1693f ( d ). 

First Violation Late Written Notice : PNCs XX/XX/year> denial letter explicitly states they concluded their investigation on that date. Under 15 U.S.C. 1693f ( d ), they were required to deliver or mail their written explanation within XXXX business days by XX/XX/year>. I did not receive the letter until XX/XX/year>, and the postmark reflects it was not mailed within the statutory window. This is a direct timing violation based on PNCs own conclusion date.

Second Violation Withholding Investigation Records : In my follow-up complaint, I exercised my right under 15 U.S.C. 1693f ( d ) to request copies of all documents relied upon in reaching their decision ( e.g., any transaction verification evidence ). PNCs Executive Relations representative told me I would have to subpoena for this information, which is legally incorrect. Their XX/XX/year> Final Response ignored my request entirely and omitted any notice of my statutory rights to receive these records upon request. 

Pattern of Non-Compliance : PNC has now violated the EFTA twice in the same case first by failing to meet the XXXX mailing requirement, and second by refusing to provide documents they are required to furnish. These actions demonstrate an ongoing disregard for federal consumer protection laws. 

Requested Action : I request that CFPB investigate, compel PNC to : Provide all evidence relied upon in their investigation without subpoena, and Provide proof of mailing date to confirm the timing violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NJ

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 I provided, causing ongoing harm to my credit standing. I have attached all credit reports from the beginning of this year, which clearly show repeated, generic verified responses without proper investigation. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 2025-08-14 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-14 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-08-14 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: GA

Complaint narrative:
Experience reached out informing me. It will take another XXXX  days when it is a clear violation of the law and my rights. that they have not responded to me within XXXX to XXXX  days. The original date of my request was on XXXX. 

Equifax and Trans Union has not responded at all

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 2025-08-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute a fraudulent account listed on my credit report under my name. I have never applied for or consented to this account, and it is being reported in error. Its presence on my credit file is damaging my financial credibility and misrepresenting my true credit history.

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 2025-08-14 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
XXXX XXXX was contacted by myself and saw it was enrolled with Alleviate said everything was good and so I told him I was tearing up the papar work/statement he said that was ok now it is showing up on my credit reports as both closed and in collections need help to have this removed asap thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
This doesn't match my payment habits. Could you look into it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
In or about XXXXXXXX XXXX XXXX I did a refinance with Rocket mortgage, for 8 months prior I was in forbearance. I was told during the refinance period that the amount in forbearance would be rolled into the refinance. I have been with XXXX since inception and I had to apply for the forbearance through them so they were aware of that prior to me refinancing. I was under the impression that it was taken care of when I got to the day of closing. About 2 months ago I began to receive letters from HUD I called Rocket and they said it was a scam to ignore it. I began to receive more letters from HUD and contacted them again and got the same response. I called HUD and they said it's valid, they included a letter from the closing with a promise to pay dated XXXXXXXX XXXX XXXX. I called Rocket and they said they would work on it, they finally gave me a answer, that I was responsible for the debt even though they made the mistake. I now am burdened with the extra bill on a XXXX income. Had they did their job then I would have gladly paid the debt with the cash received at closing or had they kept their word and rolled it back into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
Approximately XX/XX/year> my secured credit I had with XXXX XXXX XXXX XXXX was compromised. The card had a credit limit of {$300.00}. Without my authorization or knowledge the credit limit was increased to {$3000.00} and maxed out. the account was eventually closed and reported on my credit report.

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 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute of a fraudulent account that has been reported in my name. I have never authorized or had any involvement with this account, and its continued reporting is causing serious harm to my financial standing.

Company response to consumer: Closed with explanation