vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: PA

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 non-monetary relief
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX # XXXX # XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: WEICHERT FINANCIAL SERVICES
State: AL

Complaint narrative:
These people are now calling my elderly parents bugging them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: OH

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My bank keeps over drafting me when I havent had over draft protection in well over 10 years and they refuse to make it right. So they just keep tacking on overdraft fees and lying to me about how it wont happen again well over 4 different times. So my credit card debt is close to its limit because they refuse to help this and make it right. Advice or assistance would be greatly appreciated. They also said they did fees waved twice and thats also a lie. The pic included will show 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 2025-04-11 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
I am filing a complaint against Equifax for reinserting a fraudulent JPMCB ( Chase ) credit card account without providing proper notice as required under the FCRA ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

This account has already been blocked under FCRA Section 605B for identity theft. I submitted the necessary identity theft report and supporting documentation. Equifaxs reinsertion of this account is a violation of federal law. 

Additionally, I am including a formal dispute letter addressed to Equifax and XXXX. All other bureaus have honored the block request. Equifax is the only bureau improperly reporting the reinserted account. 

I am also requesting enforcement action against XXXX for continuing to report a fraudulent charge-off account for which I have submitted identity theft documentation and requested a block. 

Please see the attached letter for full documentation and legal citations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
In XXXX XXXX I noticed six fraud transactions totaling {$250.00} at XXXX XXXX stations around XXXX, MI on my Citizens Bank savings account. I immediately contacted Citizen 's Bank and filed a fraud claim. The review went passed the allowed review time of 60 days and in XXXX XXXX I was told the claim was denied. I requested the receipts and documentation and did not receive them until early XXXX XXXX.

I appealed the case to have it reviewed again, but it was denied. I went in person to my nearest branch office and they tried to call the fraud line with me, but it did not help. They told me to email XXXX since it goes directly to the office reviewing the case. I emailed the office additional information on XXXX XXXX and never heard back. This has left me with filing this complaint as my only and last option.

The transactions were made on 3 different credit cards that were somehow linked to my savings account. As you can see below, the 6 transactions were made at 4 different locations, all 12 miles apart. A total of 75 gallons of gas was purchased within 13 days in the same city. The last 5 transactions ( {$210.00} ) were made within a 4 day span for 62.4 gallons of gas, enough gas to drive 1,647 miles. 

TRANSACTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT : {$41.00} PURCHASED : 12.737 gallons unleaded regular gas CREDIT CARD : ending XXXX I do not understand how these credit cards were linked to my savings account, but I am deeply concerned about the security of my money at this bank, especially that they do not see these transactions as fraud when they are so exorbitant. I have held this account for 10 years and never made a single purchase out of the account. The branch manager told me after I file this complaint that I should close my Citizens Bank account since nothing was resolved and I do not feel my money is safe with Citizens Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
Late Payment Notification and Assertion of Consumer Rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear To Whom It May Concern, I am writing to formally dispute a late payments entry on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ).

According to my credit report there is a late payments entry listed for However, I would like to bring to your attention that this late payment is inaccurate and unjustified.

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies. 
I am formally requesting that you investigate this late payment entry and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

3. I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

4. Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly. 

5. Thank you for your attention to this matter. I look forward to your prompt response. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
On XX/XX/XXXX, our mortgage was put into a 3-month forbearance due to Hurricane Helene. In XXXX of XXXX, we began making regular payments while our account was under review for a repayment plan, at which point I was told by a customer service representative, that our credit would not be affected during the review process because it was due to a natural disaster. They began reporting our mortgage late for XXXX, XXXX, and XXXX, knocking our credit scores down XXXX, and XXXX points. The repayment plan they came up with was unacceptable ( essentially a 10-year extension while our credit would keep taking a hit every month ). On XX/XX/XXXX we paid them in full in the amount of {$4100.00}, for the 3 months that we were in forbearance. While our report shows that our account with them is current, they still have us reported late for those months ( 90 ) days. This has massively affected our credit scores, negatively impacting other areas of our lives. We have never missed a payment with them in the past. Taking advantage of people who have been impacted by a natural disaster is a predatory practice and should not be tolerated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing regarding two disputes I initially filed back in XX/XX/XXXX concerning two returned order from XXXX XXXX XXXX. The merchant initially claimed to have processed the refund ( XXXX ), then later informed PayPal Credit ( Synchrony Bank ) that no refund was due. After months of back and forth, I was relieved to receive a letter from PayPay Credit dated XX/XX/XXXX, confirming the following : " We have completed our review of the disputed transaction on your PayPal Credit account. 
I am pleased to let you know that a credit in the amount of {$3200.00} was applied to your account on XX/XX/XXXX ''. 

However, to date, no credit has been applied to my account. I called on XX/XX/XXXX and they told me to give it 5-7 business days. When I saw the account wasn't credited on XX/XX/XXXX I called again and they told me that the dispute was lost in my favor. 

This is unacceptable. The attached letter clearly states the dispute was resolved in my favor, and I acted in full compliance with all requests during the investigation. I am now being told over the phone that no refund will be issuedthis contradicts the written communication I received.

I am requesting the immediate refund/credit be applied to my account as stated in their letter. 

Attached is a copy of the dispute resolution letter for your reference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX to Shellpoint Mortgage Servicing in XXXX. In XX/XX/XXXX, my escrow was increased to pay for homeowner 's insurance. I provided proof that I had been paying my own homeowner 's insurance since XXXX, and was currently up to date. The customer service rep said he would try to get that removed from escrow. I received a letter from Shellpoint dated XX/XX/XXXX stating it could not be removed because " escrow was added as a condition of a loan modification. '' What this loan modification consisted of was never explained to me, including this afternoon by someone in the loan department named " XXXX. '' When I attempted to get more information from Shellpoint, XXXX told me they would be collecting this money from me ( so this money is not available to me to pay other bills ), the homeowner 's insurance bill would be paid by them, and I would have to contact the insurance company for a refund. When asked why this was my responsibility when they have a copy of my insurance policy on file ( this can be verified online ), he told me that's just the way it is.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
The accounts listed need to be removed, I do not have any knowledge of their existence. Also it seems to me that my information has been shared without my authorization, based on my credit report. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. The items reported are 100 % incorrect, I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please again, I am politely requesting the removal of the items listed on this letter. Thank you in advance for your teams help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account [ XXXX XXXX Account # : XXXX on the dates [ XX/XX/year> to XX/XX/year> ]. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor [ XXXX XXXX  ] reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted [ XXXX XXXX and Experian Credit Report ] and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MN

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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