vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: VA

Complaint narrative:
Dispute of XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute a reporting error on my credit file regarding my account with XXXX XXXX XXXX XXXX. 

Creditor Name : XXXX XXXX XXXX XXXX Account Type : Credit Card Account Nickname : XXXX XXXX Reported Credit Usage : 100.52 % Reported Balance : {$2500.00} XXXX XXXX : {$2500.00} This is inaccurate. The accurate account information is as follows : Current Balance : {$700.00} Available Credit : {$1800.00} XXXX XXXX : {$2500.00} Actual Credit Utilization : 28 % As this error has negatively affected my credit score, I have included the correct account details along with verifiable information to support my dispute and demonstrate the accurate figures.

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 2025-04-23 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
AMEX XXXX XXXX XXXX AMERICAN EXPRESS XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 2025-04-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, in my opinion, exemplifies the pitfalls of a corporate giant disconnected from its customers. In XXXX, I leased a XXXX XXXX with the clear intention of purchasing it, drawn in by the promised fuel efficiency. However, I quickly discovered that the miles per gallon fell short of what was advertiseda critical factor in my decision to lease. When I reached out to the XXXX dealership, I was informed that this was a known manufacturing error, yet there was no recall in place. I was assured a recall would eventually happen, but months passed without resolution. 

During a service visit to XXXX XXXX, I was told there was still no solution, despite XXXX 's awareness of the issue. This is incredibly frustrating, especially considering my XXXX XXXX XXXX outperformed the XXXX in fuel efficiency. The advertised gas tank capacity and mpg were pivotal to my decision, and XXXX 's failure to deliver on these promises is unacceptable. 

XXXX offered no remedy, nor were they willing to take back the vehicle or offer an alternative lease. This approach to customer service is baffling. How can a corporation of XXXX 's stature knowingly misrepresent a vehicle 's capabilities and refuse to take responsibility? The dealership 's failure to address this issue is a breach of trust, and XXXX 's lack of oversight is glaring. It's time for XXXX to step up, take responsibility, and rectify this situation, including removing the lease information from my credit report. The lease was broken the moment the dealership misrepresented the XXXX 's capabilities, and they knew it. 

All my negotiations and complaints over this issue were with the out-of-town dealership and on the phone with XXXX XXXX, yet these conversations offered no remedy. When I visited XXXX XXXX, the local dealership, I explained my issue to an employee who was understanding and mentioned that I might be able to return the car. They were apologetic and referenced a policy about service members being able to terminate leases, which was irrelevant to my case but highlighted the lack of options for regular customers. 

Despite not being a military member, the fact remains that I was sold a fraudulently advertised vehicle, significantly impacting my purchasing decision. The " paid as agreed '' status on my credit report, stating I paid almost $ XXXX for this vehicle, is also misleading. XXXX attempted to bill me over $ XXXX months after I returned the vehicle, and now they claim I owe $ XXXX. This is a corrupt practice, and XXXX refuses to communicate with me directly. I can not be indebted to a company that lost me as a customer through their negligence and refusal to offer a solution. They chose not to address a known issue, allowing dealerships to lease and sell a vehicle with a known defect without disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CT

Complaint narrative:
i recently review a copy of my credit report and notice i had fraudulent account on my report. please remove these account from my report they are hurting my ability to obtain credit

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 2025-04-23 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
SYNCB/CAR CARE XXXX XXXX Balance {$3100.00}

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had my account for less then a month and all my money that I have been saving since I was XXXX XXXX old was gone, I just turned XXXX XX/XX/XXXX. Wells Fargo let a scam company called XXXX XXXX XXXX all the way in XXXX XXXX take over XXXX XXXX XXXX  from me. Then told me their investigation said I did it. My device was stolen and it had my wallet attached to the back of it, it had pictures of my social and my id in it. There are credit cards maxed completely out beyond repair in my name that I have never received, Wells Fargo owes me XXXX, I will not stop fighting until I get my life savings back. I got XXXX XXXX XXXX XXXX  the moment I turned XXXX. That money was going to help me get on my feet, and now its gone, in less then XXXX  XXXX  everything Ive worked so hard for is gone

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  InquiryXXXX XXXX XXXX InquiryXXXX XXXX InquirXXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX XXXX  InquiryXXXX XXXX  XXXX XXXX InquiryXXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX XXXXXXXX InquiryXXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX XXXXXXXX XXXX InquiryXXXX XXXX XXXX InquiryXXXX XXXX XXXX  InquiryXXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX XXXXE InquiryXXXX XXXX InquiryXXXX XXXX InquiryXXXXXXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX XXXX InquiryXXXX XXXX XXXXXXXX InquiryXXXX XXXX XXXX XXXX InquiryXXXX XXXXXXXX InquiryXXXX XXXX XXXX XXXX InquirXXXX XXXXXXXX InquiryXXXX  XXXX XXXX InquiryXXXX  XXXX XXXX InquiryXXXX XXXX XXXX InquiryXXXX XXXXXXXX InquiryXXXX XXXXXXXX InquiryXXXX  XXXX XXXXXXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CL Holdings LLC
State: SC

Complaint narrative:
This company is on my credit report. I dispute this information online already. This company sent me a letter out saying I own them for a company called XXXX. I don't recalling have this account. I also is concern because I don't know this company that is asking me to send them payment to of XXXX to them. Due to all the data breach I am not sure about this. My other concern is that they did give me much information or proof this being my account. This account also said that i open it on XX/XX/XXXX. According to my research XXXX company was close XXXX. According to the law of 15 U.S.C. 1692c I would like this account delete and remove from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-04-23 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-23 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: GA

Complaint narrative:
In Accordance with the Fair Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under. 15 USCS 1666B a creditor may not treat a payment on a credit account on a open consumer plan as late for any purpose. I have disputed this information with the credit Bureaus About the XXXX delinquent payment and had gone over the XXXX  day mark with no response.

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 2025-04-23 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: TX

Complaint narrative:
I am writing to formally dispute a late payment reported on my credit report for the following account : Creditor XXXX XXXX  Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX  XXXX XXXX * XXXX XXXX * Balance : {$430.00} XXXX  XXXX XXXX * XXXX XXXX * Balance : {$190.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

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 2025-04-23 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: MI

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX  XXXX XXXX * XXXX XXXX * Balance : {$430.00} XXXX  XXXX XXXX * XXXX XXXX * Balance : {$190.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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