vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Collection Account for XXXX XXXX Dear Credit Bureau/Agency , I am writing to formally dispute the accuracy of the collection account entry listed on my credit report for the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit report, I discovered that this account is marked as a collection, which negatively impacts my credit score. However, I believe this entry is inaccurate due to the following rea-sons : In XXXX I submitted a 30-day notice to the apartment management informing them that I had medical issues ( XXXX ) and I could not continue to stay at that apartment. I was renting with a roommate who stayed at the apartment following my leave. My roommate left the apartment right after I left and now this charge is showing negatively on my credit file. For the record, I am still battling XXXX as the XXXX has returned. This account is no longer mine. 
Based on the above, I respectfully request that you delete this collection account entry from my cred-it report for the following reasons : 1. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete credit report. Since this collection entry is inaccurate, it should be removed from my credit report. 
In light of the above, I request that you conduct a thorough investigation and delete this collection account entry from my credit report if the information can not be verified as accurate. Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the accuracy of this information, I expect it to be promptly deleted from my credit file. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Collection Account for XXXX XXXX Dear Credit Bureau/Agency , I am writing to formally dispute the accuracy of the collection account entry listed on my credit report for the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit report, I discovered that this account is marked as a collection, which negatively impacts my credit score. However, I believe this entry is inaccurate due to the following rea-sons : In XXXX I submitted a 30-day notice to the apartment management informing them that I had medical issues ( XXXX ) and I could not continue to stay at that apartment. I was renting with a roommate who stayed at the apartment following my leave. My roommate left the apartment right after I left and now this charge is showing negatively on my credit file. For the record, I am still battling XXXX as the XXXX has returned. This account is no longer mine. 
Based on the above, I respectfully request that you delete this collection account entry from my cred-it report for the following reasons : 1. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete credit report. Since this collection entry is inaccurate, it should be removed from my credit report. 
In light of the above, I request that you conduct a thorough investigation and delete this collection account entry from my credit report if the information can not be verified as accurate. Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the accuracy of this information, I expect it to be promptly deleted from my credit file. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
Contacted dell customer care services to request goodwill removal information. Frontline representatives were extremely rude so I further requested to speak to a supervisor, she was respectful and understanding enough to recommend that I file a dispute. I informed the supervisor a dispute was made, I followed to ask if they could remove my late payments as Ive shown a positive payment history as a long time member, and sadly was denied. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
AI Overview XXXX The XXXX Consumer Financial Protection Bureau ( CFPB ) filed a class action lawsuit against Capital One in XX/XX/XXXX, alleging that the bank misled customers about interest rates on its XXXXXXXX XXXX account. The CFPB claims that Capital One froze the interest rate on the XXXX XXXX account at 0.30 % from XXXX to XXXX, while offering higher rates on its XXXX XXXX XXXX account. 
What the CFPB alleges Capital One marketed the XXXX XXXX account as having some of the best interest rates in the country Capital One introduced the XXXXXXXX XXXX XXXX  account in XXXX, which offered rates up to 4.35 % Capital One used similar names and marketing for the XXXX accounts to confuse customers Capital One told branch employees not to proactively tell depositors they could switch accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
My account with EXPERIAN 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.

EXPERIAN 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 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My account XXXX 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. 


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 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 2025-03-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the US Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
I want to file a complaint with the XXXX credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
Experian failed to fulfill its obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate action to removed the disputed account, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Charge-Off Entry on Credit Report Account Number : XXXX XXXX Auto Loan Account Number XXXX Dear Credit Bureau/Agency , I am writing to formally dispute the accuracy of the charge-off entry listed on my credit report for the auto loan account XXXX held with XXXX XXXX XXXX XXXX ( XXXX XXXX ) , referenced above . I am requesting that this charge-off entry be deleted from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and based on the fact that a charge-off is treated as income to the debtor under U.S. tax law, specifically under 26 U.S.C. 61.

Upon reviewing my credit report, I discovered that this account is marked as a charge-off, which is having a negative impact on my credit score. However, under U.S. law, specifically 26 U.S.C. 61 ( a ) of the Internal Revenue Code, a charge-off is considered taxable income to the debtor. This means that once a debt is charged off, the creditor has effectively discharged the debt, and the amount writ-ten off is treated as income, rather than an ongoing obligation. As a result, the charged-off balance should not be reflected as a valid debt obligation on my credit report. 
Based on the above, I respectfully request that you delete this charge-off entry from my credit report for the following reasons : 1. Charge-Off as Income : According to 26 U.S.C. 61 ( a ), when a debt is charged off, it is considered income to the debtor for tax purposes. This means the charge-off is no longer a legitimate debt but income written off by the creditor. Therefore, it should not continue to appear as an outstanding balance on my credit report.

2. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete credit report. Since a charge-off represents income and not a debt, keeping this entry on my credit report as a negative mark is inaccurate and should be removed. 
In light of the above, I request that you conduct a thorough investigation and delete this charge-off entry from my credit report if the information can not be verified as accurate or if it is inconsistent with the provisions of the Fair Credit Reporting Act and relevant U.S. tax law. 
Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the accuracy of this information, I expect it to be promptly deleted from my credit file. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
Complaint Against XXXX XXXX Inaccurate Late Payment Reporting & FCRA Violations To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX for inaccurate credit reporting and failure to correct errors in violation of the Fair Credit Reporting Act ( FCRA ). XXXX  has reported multiple false late payments on my auto loan account [ # XXXX ], despite these errors being caused by their internal processing failures. The affected months are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Issue Summary These late payments were not due to my failure to pay but rather XXXX XXXX payment processing errors : XXXXXXXX XXXX XXXXXX/XX/XXXX : I submitted payments on time, but due to XXXX  internal processing delays, they were not posted until after the due date. 
XXXX & XX/XX/XXXX : XXXX  third-party payment processor held my transactions in " pending '' status, causing artificial delays. 

XX/XX/XXXX : An ACH processing failure affected my payment, which I corrected immediately, yet XXXX still reported it as late. 

FCRA Violations & Consumer Rights FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must report only accurate information. XXXX XXXX knowingly reported false late payments caused by their own system errors. 

FCRA 1681i ( a ) ( 5 ) ( A ) : If a consumer disputes information and it can not be verified, it must be removed. XXXX  has failed to provide proof that these lates were due to my negligence.

FCRA 1681s-2 ( b ) : Furnishers must investigate disputes and correct inaccurate reporting. Despite multiple disputes, XXXX refuses to correct these errors. 

Harm Caused As a result of XXXX XXXX misreporting, my credit score has suffered significant damage, affecting my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
In regards to XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, I had successfully opened a case to lower monthly payments from {$96.00} to {$25.00}. This is due to having refunded over {$1000.00} granted for XXXX  XXXX I did not follow through on. I had recieved email confirming the appeal and a physical letter, stating I was to not pay any dues for the next 60 days during the appeal. 

I received late fees for not paying during the appeal process and my monthly dues were never lowered to {$25.00}. I was never made aware that the " successful '' appeal was never followed through on. I had paid the supposed new {$25.00} per month payments for the next XXXX pay periods, which had earned me more late fees to pay. 

XX/XX/XXXX, I managed to get an agent to waive the late fee but at the cost of having to pay {$130.00} to " catch up ''. I have been assured that my remainder payments due will be {$25.00} a month ( as it should have been XXXX pay periods ago, back in XX/XX/year> ). I am filing this complaint due to my trust being broken XXXX times over with highly incompetent supervisors, uncaring agents ( save for the last one who actually helped ) and all around soulless agendas. 

I have gone through XXXX different supervisors and it seems no matter what was apparently done to my case file, no one knows how to update or publish important information in regards to money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief