vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
In XXXX of XXXX I received repeated calls from Lockhart , Morris & Montgomery about a collecting a debt on the behalf of XXXX XXXX XXXX for the amount of {$2500.00}. I asked Lockhart , Morris & Montgomery to send a verification of the debt and the original contract to the address on file & I refused to confirm or deny any information confirming the address or the name of the recipient unless I could verify the debt was mine. I requested those items approximately late XXXX of XXXX or early XXXX of XXXX I didnt get anything in the mail but I received a email which will be attached below on XX/XX/XXXX. The contract has incorrect information and will be attached below with circles around the incorrect information the driver code should have letters and numbers the one written has my first name which is incorrect, the signature box is missing my last name I always sign my last name on documents, and lastly my full name is XXXX XXXX XXXX the contact only has my first and last name which. I told the company the debt isnt mine & that I would be disputing it with the credit bureaus for removal and I havent received a call from Lockhart, Morris & Montgomery since then. I have been a Pennsylvania resident for 4 years now and upon further investigation into the company I learned that they arent licensed in the state of Pennsylvania to collect debts. According to the commonwealth of Pennsylvania all debt collectors must be registered and licensed by the PA Department of banking & Securities attached is their NMLS profile showing their licenses in each state and Pennsylvania is not one they can legally collect in which is a directly in violation of state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX  Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Experian credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 2. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 3. Identity Theft XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 4. Identity Theft XXXXXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 5. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 6. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 7. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 8. Identity Theft XXXX Account Number : XXXXXXXX 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 2025-05-13 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: IL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS 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 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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I used a business account that I owned to make a payment on the capital one XXXX XXXX XXXX XXXX ending in XXXX, because it was long overdue. They did not recognize it the payment method. I said fine, I will use another account, please do not take the payment. They not only took the payment, but restricted my card. It was not restricted when it was overdue, but somehow when I paid it, they found it to be alarming enough to restrict my card. They would not accept the payment, nor would they allow me to utilize another method. Now they are racking up interest and penalties without giving me the opportunity to rectify the account. I am leaving to go out of town this weekend, and now they want to cause an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: WA

Complaint narrative:
In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681s 2 ( a ) 20 usc 1083 ( e ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EDFINANCIAL SERVICES LLC XXXX XXXX XXXX EDFINANCIAL SERVICES LLC XXXX XXXX XXXX EDFINANCIAL SERVICES LLC : XXXX XXXX EDFINANCIAL SERVICES LLC : XXXX XXXX EDFINANCIAL SERVICES LLC XXXX XXXX XXXX EDFINANCIAL SERVICES LLC : XXXX XXXX EDFINANCIAL SERVICES LLC XXXX XXXX XXXX EDFINANCIAL SERVICES LLC : XXXX XXXX EDFINANCIAL SERVICES LLC : XXXX XXXX EDFINANCIAL SERVICES LLC XXXX XXXX XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently started a new business, XXXX XXXX XXXX XXXX, and opened a business checking account with Truist Bank. I transferred {$100.00} to the new account to open it on XX/XX/year>2025. My company completes tax returns for XXXXXXXX XXXX XXXX  and XXXX XXXX. I charge most associations {$350.00} per tax return. In XXXX and XXXX I deposited {$13000.00} into the account in increments of {$350.00} except for one check for {$500.00}. Truist held almost all of the deposits since it was a new account, which was fine. I understand needing to make sure everything clears when it is a new account. On XX/XX/year>2025 I processed two XXXX payments from the business to myself for payroll. One was {$50.00} to make sure I set up XXXX correctly on both sides and the other was for {$950.00}, bringing the total to {$1000.00} transferred out of the account. On XX/XX/year>2025 I tried to log into my account online and received a message that my account was on hold and I could not access it. I called Truist to find out what was going on and they told me that due to the quantity of checks being deposited and being for the same amount, they were placing a fraud hold on the account until the remaining checks cleared. I said fine and I understood and would call back. I called back on XX/XX/scrub>/2025 and received the same response and was told the last checks deposited were on hold until XX/XX/year>2025 and to call back after the final deposits cleared. I called Truist again on XX/XX/year>2025 and was told they were still investigating and that the deposits had all cleared and to call back either that afternoon or today, XX/XX/year>025. I call again today and was told by Truist that they have closed my account. They issued a check for the {$100.00} I transferred into the account when the account was opened but the remaining funds would be held by Truist. They bank will not give me a date as to when the funds will be released or even if the funds will be released. None of the deposits I made have been returned as a stop payment or been reported as fraud by my clients. I have copies of every check that was deposited along with copies of all the checks stubs. I also have copies of every tax return completed by my company and sent to the IRS and all of the deposits correspond to those tax returns that were completed. Every check submitted for deposit was a valid transaction.

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 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Im trying to report phishing to the company and it was unavailable. I wanted to report to the XXXX website and it referred me here. 

My issue isnt with the merchant, but someone pretending to be them. My balance is {$0.00} and they are emailing that I have a past due balance but the dollar amount is undisclosed unless I follow their embedded links.

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 monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I am writing to formally file a compliant against Experian, one of the major nationwide consumer reporting agency. dent serious data breach that directly lead to identity theft in my case. As a result of Experian 's negligence, fraudulent accounts have been open in my name without authorization, and my personal and financial security have been compromised. Experian is entrusted with the sensitive personal information of millions of consumers. it is legally and ethically obligated to safeguard this data and ensure its accuracy. The fact that fraudulent accounts could be created using my stolen information indicates a clear failure on Experian 's part to fulfill its statutory obligations under Federal Law.1. Fair reporting Act ( FCRA ), 15 USC 1681 et seq. Under 1681e ( a ), Consumer reporting agencies are required to Maintain reasonable procedures '' to ensure maximum possible accuracy and protect the consumer against unauthorized use of a consumer information. Allowing access to my data without proper security measures-leading to fraudulent accounts-constitutes a failure of these procedures. under 1681c-1, I have the right to place a fraud alert, credit freeze, gut, but Experian 's systems are already comprised by them. I am asking or all derogatory info in my credit report be deleted. ( FTC ACT, 15 USC 45 that Experian implements security or integrity of such records. Experian failed the consumer, this breach was not a technical lapse-it was a breach of trust. Respectfully urge the CFPB to act fast and assertively to hold Experian accountable prevent further consumer harm.

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 2025-05-13 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MI

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 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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( 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 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
inaccurate address. my only address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX florida 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 2025-05-13 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: MI

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. 

XX/XX/XXXXList of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the rep

ort by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not fur
nish 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 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 2025-05-13 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: Experian Information Solutions Inc.
State: NC

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 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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
To whom it may concern, I am writing to formally report that i have been the victim of identity theft. I recently discovered that one or more unauthorized credit accounts have been fraudulently opened in my name without my consent. 

These accounts were not initiated, approved, or used by me, and I am not responsible for any charges or debts associated with them. I believe my personal information has been compromised and misused by an unknown party. 

I respectfully request the following : 1. That a fraud alert by placed on my credit file.

2. That all fraudulent accounts and inquiries related to this matter be thoroughly investigated and removed.

3. That my credit file be corrected to reflect accurate and verified information. 
Please let me know if your require any additional documentation to proceed with this investigation. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXX Listings : XXXX XXXX XXXX {$620.00} OPENED XXXX XXXX, XXXXXXXX XXXX XXXX {$530.00} OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$610.00} OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$470.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received a text from capital one about suspicious activity, but I do not have an account with them. Im not sure how they even allowed this account to be created. They were extremely unhelpful in the investigation as well and wouldnt provide any information on the situation

Company response to consumer: Closed with non-monetary relief