vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: MO

Complaint narrative:
I have accounts on my credit report that do not belong to me ( see below ) XXXX  dated XX/XX/year> XXXX dated XX/XX/year> XXXX  dated XX/XX/year> XXXX  XXXX dated XX/XX/year> XXXX dated XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I was approved for a Capital One Quicksilver card. Just 8 days later, I was charged a {$39.00} 'annual fee'contradicting the term 'annual, ' which implies a charge after 12 months of use. When I called Capital One on XX/XX/XXXX they refused to waive the fee or let me downgrade to a no-fee card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
M & T bank. Reporting multiple XXXX and XXXX day lates on a now paid mortgage. Complaint filed previously. They printed off my payment history, did not even look at it themselves and nailed it to me. The data they sent PROVES the loan was never more than 30 days late. But all they did was print it and send it to me, without correcting their reporting to the three bureaus ... and then CFP.B closed the case. They failed to correct their reporting! Reopen this case until they FIX their false reporting to all three credit bureaus.

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 2025-05-07 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed that some of my personal information on my credit report is incorrect, and I need it fixed as soon as possible. This includes details like my name, address, or other identifying information that are either outdated or just plain wrong. Im not sure how the mistake happened, but its important that everything on my report accurately reflects my identity.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I notice on my credit file from Experian and Equifax are re-aging two accounts that appears on my file. 

XXXX XXXX XXXX XXXX XXXX XXXX Each month starting from XX/XX/year> Experian and Equifax are re-aging these accounts to show recent charge-off from the original dates. According to FCRA 623 5a this is illegal and a manipulation to keep my scores low looking like these accounts were freshly charged off the same month that being reported. Before I contact the Attorney General Office for the State of California, I want to give these companies a chance to fixed the issue by demanding deletion these two accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In XX/XX/XXXX, I discovered a 90-day late payment had been reported on my credit report by Dept of Ed/XXXX XXXX which caused my credit score to drop by over 150 points, from 770 to 615 overnight. This severe negative entry occurred without any prior notification, despite the loan being under federally protected forbearance guidelines.

Under the CARES Act ( Section 3513 ) and extended HEROES Act provisions, federally held student loans were not to be reported as delinquent from XX/XX/XXXX through XX/XX/XXXX. Additionally, the Department of Educations official on-ramp period from XX/XX/XXXX to XX/XX/XXXX protects borrowers from derogatory reporting for missed or late payments during this transition. 

At no point was I notified via email, phone, or mail about any delinquency. The servicer had outdated contact information on file, which I later verified when I called them. I immediately submitted dispute letters to Experian and TransUnion, and also sent certified letters to XXXX. 

This derogatory reporting has directly impacted my ability to finalize a business line of credit. I believe this violates the Fair Credit Reporting Act ( FCRA ) and federal student loan credit reporting guidelines.

I am requesting a full investigation, removal of the 90-day late mark, and correction of the account status in my credit 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 2025-05-07 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: VA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-05-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It was first credit cards ever owned paid them perfectly went on trip with them they were stolen then charges jumped up cards were maxed out I tried to report stolen but it didn't change them from wanting payment now my charges are default and over due and it has destroyed my credit that I worked to build up for over 10 years. I'm at a loss on what I'm supposed to do. On top of that my data and identity has been breached multiple times since accounts have locked me out. I have had my identity stolen, my credit destroyed, and I can get nothing to my name for years to come without any help.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I am writing to request validation of the debt. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof that I owe this debt and that the amount claimed is accurate. 

Please provide the following information : XXXX. The full amount of the debt. 
XXXX. The name of the original creditor. 
XXXX. A detailed itemization of the debt, including any fees, penalties, and payments made. 
XXXX. Proof that you are authorized to collect this debt. 

Additionally, I believe the amount you are claiming is incorrect. Please provide documentation that supports the amount you are requesting. 

Until I receive this information, I request that you cease all collection activities related to this debt. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AZ

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX / XXXX XXXX XXXX to Equifax on my Credit Card account ( ending in XXXX ) for the dates XX/XX/year>. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
This failure to correct the inaccurate information violates the FCRA, the Truth in Lending Act ( TILA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable.

The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts.

2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice ofyour findings within the 30-day period allowed by law. 

XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Iv ' e recently received a copy of my credit report and I noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
Iv ' e recently received a copy of my credit report and I noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-07 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX inquiry on XX/XX/XXXX XXXX inquiry made on XX/XX/XXXX I disputed with them to remove because I did not initiate these inquiries My file number with transunion is 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 2025-05-07 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.

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am requesting a goodwill adjustment for a late payment reported by Capital One on my account in XX/XX/year>. The payment was missed due to financial hardship caused by the XXXX pandemic. During that time, I experienced a significant disruption in income which impacted my ability to make timely payments. 

Since then, I have resumed regular payments and maintained a positive payment history. I respectfully ask that Capital One consider removing this late payment from my credit report as a gesture of goodwill, reflecting my commitment to maintaining good credit standing moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Account # XXXX as shown on credit report I have not had an at & t account, this is identity theft and has been reported. 
{$180.00} per credit report, no knowledge of such an account. 

XXXX XXXX XXXX Account I'm unaware of this account and debt and did not receive information of this account opened with my name and I did not have the opportunity to dispute this account as I have not opened an account with XXXX XXXX XXXX. If you believe you sent proper and legal notification, please provide 'Certified Mail ' with receipt displaying my signature as acknowledgement of such account and debt accumulated with it. If not, please delete this account as soon as possible from my credit report and cease any latter attempts of communication and attempts of collection or I will have to seek legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank charged me a late fee for being ONE DAY LATE on a credit card payment. Called, and they told me theyd remove it. Removal of fee never actually took place. Called again, and despite showing the fee explicitly on my statement, they said they removed it and didnt have it on record ( I saw it on the PNC app as I was speaking with them ). Told me theyd call me back later, and never did. 

Then, when I made my payment ON TIME the other day, they charged me ANOTHER LATE FEE despite making payment on time, and making the minimum payment of {$89.00} ( actually I paid {$90.00} ). My sense is that this second late fee was tied over from the last payment made, from which they told me they would, and told me they did, remove the late fee. Now, Im stuck with a second late fee. If they try to lie to the credit bureaus also, I will more than likely have to sue for defamation ( false claim that I made a late payment twice, and damaged my credit score ) and other damages, as they continue to refuse to take responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My Personal Information was exposed to multiple data breaches. After reviewing my credit reports I noticed an account that was taken off of one credit agency reports ( XXXX  ) was placed back on to another credit agency report ( Equifax ). I am not familiar with this account that is continually being placed on my credit reports and the company not fully validating that the account belongs to me along with the CRA 'S. Due to my information being Exposed to several data breaches I have submitted a FTC complaint reporting the information that i'm not familiar with. 

Please Find Attached A copy of my ID, The FTC Complaint, A copy of the XXXX  Report showing my information being exposed in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been trying to dispute XXXX XXXX and XXXX XXXXXXXX XXXX XXXX on my credit reports. These accounts have been paid, and I have disputed them to have them removed. They are still currently on my credit report. I have tried multiple times to have them removed and they are still there.

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