vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

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 co
mpany 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 explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Complaint Regarding Unvalidated Debt Reporting by XXXX XXXX XXXX Dear CFPB, I am filing this complaint regarding a tradeline being reported by XXXX XXXX XXXX that I have disputed multiple times with both the debt collector and the credit reporting agencies ( XXXX, XXXX, and Equifax ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of an alleged debt, and credit bureaus are required to conduct reasonable investigations into consumer disputes. I submitted timely written requests for validation of this debt to XXXX XXXX XXXX, including supporting documentation. To date, XXXX XXXX has never responded to my request. 

Despite the lack of response or proof of validation, the credit bureaus continue to report this tradeline. I included documentation of my request to XXXX in my disputes with XXXX, XXXX, and Equifax, but all three responded that the debt had been " verified '' despite the complete lack of evidence from XXXX. 

This clearly suggests that the credit reporting agencies did not conduct a reasonable investigation, as required by law. A reasonable investigation would have shown that no validation or supporting documentation was ever provided by the furnisher of the information. 

To make matters worse, Equifax has requested extremely sensitive personal documents from meincluding a copy of my ID, full SSN, marriage certificate, and proof of address. I provided this information twice, and I have still received no update or response. I am deeply concerned about the sensitivity of the data Ive provided with no communication or resolution in return. 

I am attaching my formal dispute letter to all three agencies, XXXX XXXX, and Equifax, and my latest attempt to contact XXXX XXXX XXXX directly. 

Requested Resolution : XXXX removal of the XXXX XXXX XXXX tradeline from my credit file with all XXXX  major credit bureaus. 

A full investigation into the failure of the credit bureaus to reasonably verify this debt. 

An inquiry into XXXX XXXX XXXX continued reporting of a debt they have failed to validate. 

I respectfully request the CFPB to take appropriate action to ensure my consumer rights are protected under the FDCPA and FCRA. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX Mobile, AL XXXX XXXX : XX/XX/year> Last XXXX of XXXX : XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
CFPB CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : XXXX WELLS FARGO BANK, # XXXX XXXX WELLS FARGO BANK XXXX XXXX XXXX XXXXWELLS FARGO BANK, XXXX XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOCIAL SECURITY # 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 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
b'They keep restricting my account and wont let me transfer my money and keep giving me a new resolve date every couple days.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MI

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX report number Re : Urgent Request for Deletion or Correction of Negative Payment History Due to Federally Declared Disaster Account Number : XXXX Creditor : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX This letter serves as a formal and time-sensitive follow-up to my previous dispute submitted on XX/XX/XXXX, regarding the inaccurate and unfair negative payment history being reported on my XXXX auto loan account. The late payments recorded for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX occurred during a period of severe and federally declared hardship caused by the Texas hurricane disaster of XXXX. As a resident of XXXX XXXX, Texas, I was directly affected by this catastrophic event. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request immediate reinvestigation and correction or deletion of the disputed information : FCRA 611 ( 15 U.S.C. 1681i ) requires credit furnishers to conduct a reinvestigation of disputed information within 30 days and remove or correct any data that is inaccurate or unverifiable.

FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers report with maximum possible accuracy. Reporting derogatory data from a period of disaster-related financial instabilitywithout noting the context or offering forbearanceis inaccurate and misleading.

CFPB guidance, including Bulletin 2017-01, emphasizes that furnishers are expected to accommodate consumers affected by natural disasters by avoiding the reporting of negative information when it stems from conditions outside their control.

Despite my previous submission of relevant documentation, I have been informed that the company is still reviewing the complaint. This delay violates the 30-day statutory deadline unless justified by supplemental information, which has not occurred. Therefore, I am now demanding immediate action : Update or delete all derogatory payment information for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ; Change the status to Paid as agreed or No data reported for those months ; Provide me with written confirmation of the results of your reinvestigation within 10 days of receipt of this letter. 

If this matter is not resolved immediately, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office, and I will explore all legal remedies under the FCRA for noncompliance. 


This is a good-faith request for fair and accurate credit reporting, in alignment with federal law and disaster relief policy. 

Sincerely, 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 2025-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-06-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Confirmation # : XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : [ XXXX XXXX XXXX ] Subject : Request for Procedural Description and Reinvestigation Disputed Inquiry from XXXX XXXX XXXX XXXX Dear Equifax, I am writing to request a detailed explanation of how you verified the accuracy of a hard inquiry by XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, which I disputed under confirmation number XXXX. 

As stated in my dispute, I did not authorize this hard inquiry. I was informed that the credit check would be a soft pull prequalification, not a hard inquiry. Despite this, the dispute was marked verified, with no clarification on how that conclusion was reached. 

Under the Fair Credit Reporting Act, I am formally requesting : - A full description of the reinvestigation procedure used to determine the accuracy and completeness of the disputed inquiry. 
- The name, address, and ( if available ) phone number of the party contacted to verify the inquiry. 
- An explanation of what documentation or communication was used to verify that I provided permission for this hard inquiry. 

I am not satisfied with a generic response stating that inquiries are a factual record. If no actual verification of my consent was provided by the reporting entity, the inquiry should be removed immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Lien was held by SunTrust now Truist. Needed to clear lien for insurance settlement. Contract XXXX XXXX  on XX/XX/XXXX for a loan the should have been paid off XXXX. Given 15 day window. Followed up XXXX promises tracking #. Contacted XXXX  XX/XX/XXXX discovered XXXX things XXXX  didnt file request until XXXX and supposedly loan was sold to XXXX XXXX in XXXX. Was assured that Truist would expedite follow up XX/XX/XXXX. Follow up XX/XX/XXXX afternoon after one call and follow up I was told Id have to wait another 15 days from XXXX. Basically Truist is blaming XXXX for the delay.

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 2025-06-20 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have received daily calls from the following debt collection company, Portfolio Recovery Associates. They never leave a voicemail. The only way I was able to figure out that it was them is because I called the numbers back and each one went to an automated answering prompt that stated who they were. 

The following list consists of the date, phone number and time of day that I received a call : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXX, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX XXXX If they fail to do so, these items must be removed from my report. 

As more than XXXX XXXX have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX XXXX XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I lost my debit card and before I notice it missing someone found it and cashed app XXXX dollars. I disputed with my bank they denied it even though they are the reason I found out my card was missing because the person also tried to scam XXXX dollars. I called cash app they told me there was nothing they could do because I did not have an account with them.

Company response to consumer: Closed with explanation