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: 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: AK

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-03-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within 15 days. Relevant documents are attached for your review.

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 2025-03-10 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: IL

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 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Over a month ago, we sent a letter to Chase Auto requesting the information outlined below, but we have yet to receive a response.

1. The original Retail Installment Sales Contract or Lease Agreement and Buyers Order associated with the sale and financing/leasing of this vehicle. Please include any arbitration provisions.

2. This is a Request for Accounting, please provide an accounting of the unpaid obligations secured by collateral for the transaction involving the account name and number listed above. That includes the monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale / Notice of Default, informing me of the date, location, and method through which the vehicle would be sold and how I could redeem the vehicle and any other legally required notices. Please provide proof of mailing for these notices.

4. Explanation of Calculation of Surplus or Deficiency Balance, including an itemized description of costs and fees. Please provide proof of mailing for this letter.

5. Any notices regarding my right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter. 
6. This is a Request Regarding List of Collateral ; Is the only collateral securing this transaction the one vehicle on the retail installment sales contract for the account number/consumer named above, and there are no other vehicles or items that are used for collateral? If yes, please approve or correct if wrong. 
7. This is a " Request for Statement of Account '' ; As of XX/XX/year> is the alleged amount of alleged unpaid obligations secured by collateral for the account number and consumer listed above {$19000.00}? Please approve or if not accurate correct and provide the correct amount that is alleged to be owed.

8. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/vendors only ) or open to non-professional buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am writing to formally file a complaint regarding the unacceptable customer service I experienced at your XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ) on Monday, XX/XX/year>. 

During a previous visit, I was assisted by XXXX, who I was informed is the Branch Manager ( XXXX XXXX dark blue blazer ). XXXX successfully verified and cashed a check with the same issuer details as the one I recently presented. At no point did she inform me that this was a one-time exception. However, when I returned with a similar check, the teller refused to process it. 

I escalated the issue to Assistant Manager XXXX XXXX, who was completely unhelpful and dismissive. Despite explaining my prior experience and how my check had been processed without issue before, XXXX refused to assist in any way. She claimed that if my previous transaction was an exception, it would have been stated at the timewhich it was not. When I asked her to verify any information, she outright refused and denied me service. 

This level of inconsistency and lack of professionalism is unacceptable. One manager was able to verify and process my check, yet another refused to do so without any valid explanation. Bank of America prides itself on customer service and ethical business practices, yet this experience was anything but.

I request a formal review of this situation and appropriate corrective action regarding XXXX XXXX unprofessional conduct. Her unwillingness to provide assistance, refusal to verify information, and dismissive attitude toward a legitimate customer request reflect poorly on this branch and Bank of America as a whole. 

I expect a response regarding the resolution of this matter. I have already submitted a complaint through other channels and will continue to escalate this issue as needed. 

Thank you for your prompt attention to this issue.

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 2025-03-10 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: GA

Complaint narrative:
XXXX and Equafax will not remove or update missing payments. With all the data breachs in Equafax or XXXX, i am not sure that any of my information is correct. I had my files frozen but seems to have a lot of inquires and open files.

Company response to consumer: Closed with explanation
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: IL

Complaint narrative:
I have found fraudulent account on my credit report from XXXX opened XXXX XX/XX/year>XXXX  with the account number XXXX.

Company response to consumer: Closed with non-monetary relief
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
This company allowed me to make a payment last XX/XX/year> and then in XXXX I was unable to make a payment. I contacted them and no one could tell me anything. I looked at my credit report a few months later and saw that they had claimed a profit and loss and closed it on my credit report. A few months later, it was no longer on my credit report. Then at the start of this year, it showed as closed and a charge off. They came and picked up the vehicle about two weeks ago and it is now showing as a repossession. 

I am filing this complaint against Bridgecrest regarding its inaccurate credit reporting and potentially unlawful double recovery practices related to my auto loan account. 

Inaccurate Credit Reporting : My credit report shows that my auto loan with Bridgecrest was charged off as a " Profit and Loss Write-Off ''. 
However, after this charge-off, the lender repossessed my vehicle this past XXXX and I have not heard anymore regarding it but I'm almost sure they intend to sell it because they informed me that it was written off a year ago. 
Despite this, the lender continues to report the charge-off on my credit report as an active unpaid balance, which is misleading and inaccurate. 


Potential FCRA Violations : The lender 's failure to update my account accurately after repossession and sale of the vehicle may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

I have disputed this error with the credit bureaus, but the lender has failed to correct or remove the inaccurate reporting. 

Double Recovery Concerns : The lender wrote off the debt ( received tax benefits ), then repossessed the vehicle, and may have profited from the vehicle sale while still attempting to collect a deficiency balance.

This raises concerns of unjust enrichment and unfair collection practices under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e.

Failure to Provide Proper Notices : I did not receive proper notice before or after repossession as required under North Carolina Repossession Laws and the Uniform Commercial Code ( UCC ) Article 9.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I am a XXXX credit card customer, and I recently attempted to access past account statements beyond the 18-month limit available online. I was informed that Fortiva charges {$5.00} per statement, which I believe is an unreasonable fee for accessing my own financial records.

I contacted customer service and spoke with a representative who confirmed that the only way to obtain older statements was to pay this fee. When I requested a courtesy waiver, I was denied. I escalated my request to a manager, who also refused to waive the charge, even though many financial institutions provide free digital access or waivers for long-time customers. 

I believe XXXX policy is unfair, as customers should have reasonable access to their financial records without excessive fees. Additionally, I was not made aware of this 18-month limitation when I opened my account, nor was I informed that requesting past statements would incur a charge. 

I am requesting that XXXX  : Provide me with my past statements free of charge. 
Clarify their policy in a way that is transparent to all customers. 
This fee feels like an unnecessary barrier to accessing my own financial history, and I believe XXXX  should reconsider its policy or offer an alternative way for customers to retrieve older statements without a charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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 — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-10 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: MI

Complaint narrative:
Ive been in communication with Equifax about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consimer reporting agencies adobt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information ina manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Equifax many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c-2 Inaccurate Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mi XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX, XXXX MI XXXX My only name is XXXX XXXX XXXX XXXX only address is XXXX XXXX XXXX, XXXX MI XXXX My only date of birth is XX/XX/year>XXXX  My only employer is XXXX  You are required to do what I am asking and block the following personal information from being reported to my consumer report with 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
I am filing a complaint against both Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and Experian consistency responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C section 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's and Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C section 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and Experian complies with federal law and provides consumers with necessary proof of investigation. 

Here are the accounts I'm reporting as inaccurate : Here is one report number ; XXXX. 
Date that it was generated ; XX/XX/2023. 
Account Name ; XXXX XXXX XXXX XXXX. 
Account number ; XXXX. 

Another Report number ; XXXX. 
Name ; XXXX XXXX XXXX XXXX. 
Account number ; XXXX. 

If there are any other accounts that are hindering the increase in my credit score/ reputation please remove them, thank you.

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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Accounts were opened fraudulently and Im a victim of a data breach as well. 

Please see resolution for accounts that need to be removed..

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 2025-03-10 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: GA

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my XX/XX/XXXX mortgage payment to XXXX XXXX. On XX/XX/XXXX, I submitted my payment in full ; however, due to the early closure of XXXX offices for the holiday, the payment was not processed in their system until XX/XX/XXXX. This delay in processing resulted in the payment being erroneously reported as 30 days late on my credit report. 
I have contacted representatives from XXXX, who confirmed that payments made during the holiday period may experience delays in posting. Delays in posting payments during this period are not uncommon. XXXX was closed on XX/XX/XXXX. Therefore, if no staff were available to process payments during the holiday closure, any payments submitted during this time would be processed retroactively on XX/XX/XXXX. 
Given that the payment was submitted within the prescribed time frame and was delayed solely due to internal processing issues within XXXX system, I respectfully submit that it is unjust to penalize me for a payment that was made on time.

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