vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: NH

Complaint narrative:
Despite submitting a detailed dispute with supporting evidence showing that I made all payments on time XXXX XXXX XXXX ( Acct # XXXX * * * * ), Equifax failed to correct inaccurate reporting. My most recent credit file ( attached ) still reflects XXXX false XXXX late payments and shows no accurate OK/Current payment history, violating FCRA XXXX. I request that Equifax provide the XXXX of XXXX used XXXX confirm this information, including the name and contact of the source, XXXX immediately correct the payment history XXXX reflect all payments as current XXXX  on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing to formally dispute and request investigation into several items reported on my credit file, which I believe contain inaccuracies and potentially misleading or inconsistent data in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that only accurate and complete information be reported.

1. Late Payment Reporting Inconsistency There are accounts reporting 100 % on-time payment history yet are simultaneously marked as Late 90 Days. These two statements conflict and can not logically coexist. If the account was truly paid late, it can not reflect perfect payment history. If it was not late, the delinquency notation must be removed immediately.

I demand these contradictory items be either corrected to reflect the actual payment status or deleted in accordance with FCRA standards.

2. Unclear Remarks and Negative Indicators Some accounts include vague or outdated remarks such as Current account/was 30 Days Past Due. This type of notation serves no current purpose, yet it can have a negative impact on my creditworthiness. I request that these ambiguous or outdated remarks be removed if the accounts are now in good standing. 
3. Personal Information Cleanup My report contains multiple variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove any names that are not directly associated with active tradelines or verifiable accounts. Multiple name versions increase the risk of misreporting or file mixing, which can negatively affect my credit profile.

Request for Resolution In accordance with FCRA Section 611, I request an investigation and resolution of these items within the required 30-day window. Please send me written confirmation of your findings and actions taken. 

I have included a copy of my ID and proof of address to verify my identity. 

Thank you for your immediate 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 2025-04-21 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: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the recent negative credit activity reported in connection with my student loan account. While I understand that the information may be accurate based on the available data, I respectfully request that the unique circumstances surrounding this situation be considered, and that you notify the credit bureaus to update the payment status as a gesture of goodwill. 

In early XX/XX/XXXX, I contacted my loan servicer to request a forbearance due to a sudden and significant change in my financial situation. I followed up on XX/XX/XXXX, after not receiving a clear response or confirmation. I was informed that my request was under review and that I would receive formal communication once a decision was made. 

Unfortunately, communication from the loan servicer regarding when the forbearance would end was unclear. I was not explicitly notified that my forbearance had ended in XX/XX/XXXX. It was only on XXXX, XXXX, that I received notification that my account had become delinquent. By that point, the window to apply for continued forbearance had closed, and I was unable to address the issue before it affected my credit report. 

Due to my financial situation at the time, I was unable to make payments during this period. I was actively trying to work with my servicer to manage the account responsibly, but the timing and lack of communication significantly limited my ability to act in advance of the delinquency reporting. 

Prior to this event, I had maintained a consistent and reliable payment history across all accounts, reflecting a strong credit record and a responsible approach to managing my financial obligations. 

I also want to note that this situation is not isolated. Many borrowers have experienced similar issues due to unclear guidance, communication delays, and economic challenges over the past year. I ask that you consider the broader context and the good faith efforts I made to handle this matter responsibly. 

While I understand the delinquency may be technically accurate, I am respectfully requesting that the payment status be adjusted as a gesture of goodwill and that the credit bureaus be contacted to reflect that update. 

Thank you for your time and consideration of this request. I am happy to provide any additional documentation or information needed to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Selene Holdings LLC
State: AL

Complaint narrative:
Selene finance lost all of our information when they bought a block of loans. we couldn't create a login to create an online account. the system didn't recognize our account information ( ssn, phone number, zip code ) on their online portal. .We couldn't get through to customer service when our mortgage acct was sold to XXXX XXXX I've emailed the president, the XXXX VP 's of compliance. i have sent certified letters. No response back from upper management! 
edit bureaus. As outlined in : 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) ( furnisher investigation duty ), 15 U.S. Code 1666b ( timely posting and billing error resolution ), 12 CFR 1026.13 ( Regulation Z : billing error procedures ), You are required to conduct a reasonable investigation, provide documentation validating the item, and notify any credit reporting agencies if the item is found to be incorrect or unverifiable. 

My Requests : Investigate the disputed charge or entry promptly. 


Remove or correct the item as appropriate. 


Provide written verification or evidence supporting the legitimacy of the item. 


Notify all consumer reporting agencies to whom this item was furnished if changes are made. 


Please confirm receipt of this dispute and provide a written response within the regulatory timeframe of two billing cycles ( not to exceed 90 days ), as required by 12 CFR 1026.13.

Failure to resolve this properly may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or other legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: SC

Complaint narrative:
COMPLAINT This company is breaking the law by failing XXXX  provide proper validation. Details as required under XXXX XXXX XXXX. Despite this, they've added a collection XXXX 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 2025-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NY

Complaint narrative:
I received debt collection letter for the amount of XXXX from Revco Solutions. This is due to an improperly billed preventative procedure that is XXXX  % covered by my insurance plan. I spoke with XXXX about this, just like the last time, and they refuse to actually work on billing it properly, thus leading to these people contacting me. I have already filed a complaint with the Attorney General of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am writing to formally dispute the inaccurate information that appears on my credit report. I have reported identity theft to Synchrony Network on multiple occasions and wish to reiterate that I have no knowledge of the account in question. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have any information that is the result of identity theft removed from my credit report. Specifically, under Section 605B of the FCRA, credit reporting agencies are required to block the reporting of any information that is the result of identity theft once proper documentation has been provided. 

I request that this fraudulent account be immediately removed from my credit file to prevent further damage to my credit standing. Please confirm in writing once this information has been removed. 

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I bought a return flight from XXXX XXXX  XXXX XXXX ( XXXX ) to XXXX XXXX XXXX XXXX ( XXXX ) via XXXX XXXX. I am an XXXX XXXX loyalty member and credit card holder. I cancelled the second half of the trip and was told that I would receive flight credit for my next flight. 

I asked what the flight was worth and was told it was worth {$100.00} on XX/XX/year>. I was told on XX/XX/year>, that the credit for the flight was now worth {$92.00}. If and when I purchase a flight and cancel the entirety of the flight for credit, I am entitled to whatever the value of the ticket was when I purchased it. I don't know the value of a one way ticket purchased as part of a return flight, but that should be easily determined as a fixed amount and not one that changes over 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 2025-04-21 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: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filling a complaint against Cash App XXXX Block , Inc, ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses and I seek appropriate redress for thses violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: SC

Complaint narrative:
COMPLAINT This company is breaking the law by failing XXXX provide proper validation. Details as required under XXXX XXXX XXXX. Despite this, they've added a collection XXXX my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
My account with EQUIFAX EXPERIAN TRANSUNION 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 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 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 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX & XXXX XXXX XXXX XXXX XXXX, NY 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 2025-04-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states : I have the right to privacy.

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

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