vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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:
My consumer report contains data that was obtained through identity thief. I didn't give explicit written consent or instructions for the transaction in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. T did not make a factual misinterpretation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. The transaction that has been deleted don't pertain to any transaction that I, the consumer, have made. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Within 5 days after the transactions, you must comply with my request and prevent these transactions from being included in my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My account 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.

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 explanation
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
My account 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.

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 2025-03-21 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: NC

Complaint narrative:
My account 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.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-21 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: IL

Complaint narrative:
I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the following fraudulent accounts. 

XXXX FCRA, I expect TransUnion to take action within four business days of receiving this complaint. 

As a victim of identity theft, the following accounts were not opened, made, or initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts. 

Notarized FTC Identity Theft Criminal Complaint # 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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
XXXX Because everytime I needed help they didnt have a live chat with live people so I didnt get help with anything and its illegal not to have a live person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: HI

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of the information currently reflected on my credit report, and I request immediate action in line with the Fair Credit Reporting Act ( FCRA ). As you are aware, under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the accuracy and completeness of all information reported to them. 
I recently learned that XXXX is under investigation by the Consumer Financial Protection Bureau ( CFPB ) for failure to conduct proper investigations of credit disputes, including failing to remove or reinsert inaccurate information. Given the findings in this lawsuit, I am concerned that similar errors may be present in my credit report and request an immediate review and correction. 
Disputed Information Account Name : U.S. Bank, XXXX XXXX XXXX Account Number : XX/XX/year> XX/XX/year>, Disputed Item ( XXXX ) : [ Late payments, collections, charge-offs, etc. ] I am requesting that XXXX immediately correct or remove the disputed information from my credit report, as it does not comply with FCRA guidelines for accuracy. 
Request for Immediate Action Under 15 U.S.C. 1681i, I request that this dispute be processed and resolved within 3 to 4 business days, as I need the issue addressed promptly to avoid further negative impact on my financial situation. Please ensure the dispute is properly investigated and any inaccuracies are corrected without delay. 
Supporting Documentation A copy of my credit report with the disputed items highlighted. 
Documentation to support my dispute and the accuracy of my claim. 
Please send me written confirmation of the actions taken and an updated copy of my credit report reflecting the changes. 
I expect to hear from you within 3 to 4 business days, as required by the FCRA, regarding the resolution of this dispute. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This version makes it clear that you are requesting a response within 3 to 4 business days. Let me know if you need any further changes! 
You said :

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of the information currently reflected on my credit report, and I request immediate action in line with the Fair Credit Reporting Act ( FCRA ). As you are aware, under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the accuracy and completeness of all information reported to them. 
I recently learned that XXXX is under investigation by the Consumer Financial Protection Bureau ( CFPB ) for failure to conduct proper investigations of credit disputes, including failing to remove or reinsert inaccurate information. Given the findings in this lawsuit, I am concerned that similar errors XXXX be present in my credit report and request an immediate review and correction. 
Disputed Information Account Name : XXXXXXXX XXXX First Hawaii Bank Account Number : XX/XX/year> XX/XX/year>, Disputed Item ( XXXX ) : [ Late payments, collections, charge-offs, etc. ] I am requesting that XXXX immediately correct or remove the disputed information from my credit report, as it does not comply with FCRA guidelines for accuracy. 
Request for Immediate Action Under 15 U.S.C. 1681i, I request that this dispute be processed and resolved within 3 to 4 business days, as I need the issue addressed promptly to avoid further negative impact on my financial situation. Please ensure the dispute is properly investigated and any inaccuracies are corrected without delay. 
Supporting Documentation A copy of my credit report with the disputed items highlighted. 
Documentation to support my dispute and the accuracy of my claim. 
Please send me written confirmation of the actions taken and an updated copy of my credit report reflecting the changes. 
I expect to hear from you within 3 to 4 business days, as required by the FCRA, regarding the resolution of this dispute. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This version makes it clear that you are requesting a response within XXXX to XXXX business days. Let me know if you need any further changes! 
You said :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/year> RE : Pending Litigation Pursuing Relief and XXXX Damages under FCRA Sections 1681n, 1681o, and 1692k for Non-Compliance ATTN : Credit Dispute Department This is my final attempt to reach an agreement before initiating legal proceedings, in response to your continued violation of the Fair Credit Reporting Act ( FCRA ) due to your refusal to remove unverified information from my credit report. 
I am making this final offer of settlement prior to legal action in an effort to resolve the FCRA violation where you have failed to remove the UNVERIFIED items mentioned below. If these items are not promptly deleted, I intend to take legal action under FCRA Section 616 and Section 617 to seek redress and recover any applicable monetary damages. Despite my several written requests, the unverified items listed below persist on my credit report, contravening Federal Law. 
According to the FCRA, you are obligated to have the original creditors ' documentation on file to authenticate the accuracy of this information. I am left questioning : Who verified this information? 
You have not furnished me with any original documentation ( a consumer contract bearing my signature ), as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have not provided the necessary method of verification as mandated by Section 611 ( a ) ( 7 ). 
Therefore, I hereby served this Notice of Pre-Litigation/Pre-arbitration to request that your agency takes immediate action to comply. 
Inaccurate/Inconsistent Accounts : PLEASE DELETE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have made diligent efforts to communicate with your agency, sending several dispute letters in the past to rectify the inaccuracies on my credit report. Unfortunately, your agency has neglected to conduct a thorough investigation and has not provided any meaningful response or action to address these issues.Please be aware that FCRA XXXXtion 611 ( 5 ) ( A ) specify that you are obligated to " promptly DELETE all information which can not be verified. '' and According to the provisions outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) inaccurate information must be removed. The legal implications and remedies available to me ( Section 616 & 617 ) in case of your failure to comply with federal law are clearly defined. 
As a consumer prepared to take legal action, I am decided in pursuing litigation to assert my FCRA rights in this matter. 
Your cooperation and prompt attention are required by law. 
XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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 2025-03-20 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 
As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXXXXXX.

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 2025-03-21 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: FL

Complaint narrative:
I am filing a complaint against Equifax Information Services LLC for reporting inaccurate and unverifiable collection accounts on my credit report and for failing to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I disputed three collection accounts with Equifax and requested proper validation and investigation of the following companies reporting on my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax responded stating that these accounts were " verified as accurate '' without providing any proof, documentation, or evidence from the data furnishers. Equifax did not fulfill its obligation under FCRA 15 U.S.C. 1681i to conduct a reasonable reinvestigation. 

By failing to provide verification and continuing to report inaccurate information, Equifax is harming my creditworthiness and violating my rights as a consumer. 

I demand the immediate deletion of these unverifiable accounts from my credit report and request that the CFPB investigates Equifax for their non-compliance with federal law.

Company response to consumer: Closed with explanation