vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
I have a Bankruptcy reporting on my credit report that should not be reporting. I have asked Transunion and Equifax to remove it on the grounds that it is not mines. furthermore, when I disputed it they said it was verified by the US Bankruptcy Court which is impossible because the US Bankruptcy Court do not verify Bankruptcies to the credit bureaus. So, I asked for documented proof of the verification. They have yet to provide that Document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: PA

Complaint narrative:
Capital one is using misleading information to scam consumers and force them to pay " late Fee '' even when a payment is submitted on the " due date ''. I have a " due date '' on the XXXX of the month. When I went to make an online payment, the online form said '' since it is past XXXXXXXX XXXX you have to choose another due date '' So I chose the XXXX .. which is actually false because it was still the XXXX in order to make my payment. Because of this, I was hit with XXXX - {$29.00} late fees. If the due date is the XXXX the payment is not late as long as it is made by XXXX which it was. If they have a cut off time on the XXXX then the actual " due date '', being a full XXXX hour day .. the international standard for the length of a " day '', would be the XXXX. I have emails stating my payment was due on the XXXX. The payment was made digitally/ instantaneously well before XXXX yet I am still charged a {$58.00} in late fees for an on time payment. 

Notice the time stamp on the screenshot for " XXXX '' and XXXX then look at the payment confirmation receipts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on it. They affect 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 explanation
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER 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 explanation
Consumer complaint received 2025-05-31 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
Issue : Unauthorized credit inquiry Company : XXXX XXXX What happened : I noticed a hard inquiry from XXXX XXXX on my credit report, but I did not authorize or initiate any application for credit, loan, or service with this company. 

I called the company directly, and they stated they do not have any account under my name. Despite that, the hard inquiry remains on my credit report. 

I also requested documentation proving my authorization for this inquiry, and they failed to provide it. 

According to the Fair Credit Reporting Act ( FCRA ), a hard inquiry must have a permissible purpose and consumer consent. In this case, neither were present. 

This unauthorized inquiry is negatively affecting my credit score and was placed without my knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
I am writing to formally dispute the late payments reported on my credit report, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the FCRA XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit XXXX account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b. The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). I request that you conduct a thorough investigation of the reported late payment. If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law. Please provide documentation verifying the accuracy of the late payment, including but not limited to : 1. Proof of the payment due date and the date payment was received. 2. An explanation of how the payment was deemed late, in light of the statutory requirements. 3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b. Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: CO

Complaint narrative:
I am submitting this complaint because Equifax and TransUnion is reporting XXXX or more hard inquiries on my credit report that I did not authorize. These inquiries were not initiated by me, and I never applied for credit with the companies listed. I believe this is fraudulent activity, and I have disputed this with Equifax, requesting they remove the unauthorized inquiries. 

Despite my request, Equifax and TransUnion has refused to delete the inquiry, which is a violation of the Fair Credit Reporting Act ( FCRA ), as they are required to ensure the accuracy of the information they report. 

I am requesting CFPB intervention to compel Equifax and TransUnion to investigate properly and remove the fraudulent inquiries from my report. I have never given consent for these hard pulls and expect my rights under the FCRA to be respected. 

I have already submitted an Identity Theft Report to the FTC and filed a police report to confirm the unauthorized nature of these inquiries. These documents clearly support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Advanced Resolution Services Inc.
State: MO

Complaint narrative:
I previously disputed the reporting of my personal and account information with XXXX, requesting full deletion under FCRA 602 and 604 ( a ). I did not authorize the collection or reporting of any data, and XXXX has no permissible purpose to maintain or share this information. 

Despite my dispute, XXXX continues to report and retain data, violating : FCRA 602 Right to privacy FCRA 604 ( a ) No permissible purpose FCRA 611 ( a ) Failure to remove unverifiable disputed info FCRA 607 ( b ) Lack of procedures to ensure lawful reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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.
State: OH

Complaint narrative:
I am writing to inform you that I am a confirmed victim of identity theft, documented through FTC Identity Theft Report # XXXX You have seriously violated federal law and compromised my consumer rights. Let me be clear : I will not tolerate your continued reckless mishandling of my private information and inaccurate reporting. 
Violation # 1 Invasion of Privacy and Negligent Security Breach It has been widely reported that high-profile individuals such as XXXX XXXX accessed or received private, confidential credit information through breaches and misconduct involving credit agencies and servicers. 
By failing to protect my private educational debt information, you have violated : Fair Credit Reporting Act ( FCRA ) 604 ( a ) : Only those with a permissible purpose may access my private data.

FCRA 602 ( a ) : You are obligated to ensure accuracy, fairness, and privacy of consumer information.

Federal Trade Commission Act ( FTCA ) 5 : Unfair or deceptive practices are unlawful. 

You enabled a breach of my privacy through negligence or unauthorized disclosure. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX. 2002 ), establishes that unauthorized disclosure of private financial information is actionable under invasion of privacy laws. 

CRA 605B ( 15 U.S.C. 1681c-2 ) : You are required to block fraudulent information within 4 business days of receiving an identity theft report and proper documentation. You now have both.

FCRA 611 ( 15 U.S.C. 1681i ) : You must conduct a reasonable reinvestigation of disputed information. Repeated automatic verifications are not compliant. 

FCRA 609 ( a ) ( 1 ) ( A ) : You must provide the Method of Verification used to confirm the validity of the data.

FCRA 623 ( a ) ( 1 ) ( A ) : You may not continue reporting data that is known to be false or disputed without validation.

FCRA 616 & 617 : You may be held liable for damages resulting from willful or negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: MicroBilt / PRBC (formerly CL Verify)
State: MO

Complaint narrative:
I have previously disputed the reporting of information and requested suppression and deletion under the Fair Credit Reporting Act ( FCRA ). I have not provided consent or authorized these agencies to collect, maintain, or distribute any of my personal or financial data. Their continued reporting violates my privacy rights and lacks permissible purpose, in violation of : FCRA 602 Right to privacy FCRA 604 ( a ) No permissible purpose for collecting/reporting FCRA 611 ( a ) Failure to delete unverifiable, disputed information FCRA 607 ( b ) Lack of reasonable procedures to ensure lawful use FCRA 605A ( i ) Duty to block disputed information upon request

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 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This Macys/CBNA account was closed and paid, yet is still reporting a 30-day late payment for XX/XX/year> during the height of the COVID-19 pandemic. At that time, I was dealing with a XXXX XXXX XXXX and under XXXX The Macys store was closed, and I never received a statement or any notification of a payment due. The country was in a declared emergency, and I was unaware any payment was missed. This is especially concerning because the account had no prior history of late payments and was closed shortly after. Under the CARES Act Section 4021, lenders were expected to accommodate consumers impacted by XXXX, and this reporting does not reflect that. It is inaccurate, misleading, and does not reflect my true payment behavior or intent.

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 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I went to make a payment on XX/XX/XXXX. There were two account numbers. I sent them a message. They returned my message. I tried calling them. They said that they sent me a statement that they changed my account number and they tried to change my payment amount in the middle of a statement which they can not do when I called them. The phone calls are recorded. The guy said it was on their end. It was their fault they were doing updates. They were switching everybodys account number. I was looking at my statements and never says that that they were going to switch my account numbers. They were just making updates. I told him I didnt have a problem making my payment, but no one gave me a call back they were supposed to get me to the dispute department and they were supposed to fix it. The guy told me not to make a payment to it was fixed and then they put a delinquent on my credit bureaus. They refuse to fix it or listen to the phone calls that their own company has said it was their mistake. They had no right to change my account number without my permission or change my amount that was due, and they refuse to have a supervisor call me they say they will have a supervisor call me within 24 to 48 hours not one person is called. Im looking at my statements never missed a payment now theyre trying to charge outrageous fees, and they will not fix this. It needs to be fixed or taken care of. I could not go to the store to make a payment they told me I would have to call them. How many times do I have to call them to try to fix this and not one person will fix it. They had no way to change my account number without letting me know and it is illegal to change my payment in the amount that they feel like they wan na charge and then they returned my message on the day that my payment was due. They took a week to send it back to say that it was their fault this needs to be fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER 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 2025-05-31 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:
I am writing to formally dispute the reporting of a collection account by XXXX XXXX XXXX appearing on my credit report. the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), mandates that XXXX XXXX XXXX validate the debt before any further collection activity or reporting can occur. To date, they have failed to provide validation. Specifically, they have failed to provide the following : - Copies of any documents that prove I agreed to assume this debt ; - Verification that they are licensed to collect debts in my state, including their license number.

To further substantiate my claim, I have attached supporting documentation including an Identity Theft Report, a police report filed with the XXXX County Sheriff 's Office, and evidence showing that both XXXX  and XXXX handled this matter with appropriate diligence. They each conducted a proper investigation and, as a result, permanently deleted the account from 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 explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
This account with Credit Acceptance was charged off and closed years ago, with a term of only 45 months. However, they are continuing to report monthly derogatory marks through XXXX and XXXX, long after the account should have been resolved and aged off according to FCRA rules. This appears to be an illegal re-aging of the account, which is suppressing my credit score and misleading lenders. 

I formally requested the date of first delinquency and an explanation of their reporting, and while they responded, the documents still show derogatory activity for a closed loan. Their own record shows last payment was in XX/XX/XXXX, yet they are updating the balance and reporting new late notations almost 7 years later. 

This is abusive reporting behavior that violates the Fair Credit Reporting Act. I am requesting this account be removed or corrected immediately, as it is harming my ability to qualify for basic financial services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation