vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX. I recently discovered a Capital One & XXXX XXXX credit card account on my credit report that does not belong to me. At the time the account was opened, I was incarcerated and therefore could not have authorized this account. 

I have provided documentation to Capital One and have spoken with their representatives regarding this issue. Despite this, the account is still appearing on my credit report, even after more than XXXX business days. 

I request that this unauthorized account be removed immediately from my credit report, as it is fraudulent and causing harm to my credit history. 

Please confirm receipt of this notice and advise me on the next steps to resolve this issue promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
A utilities account with XXXX XXXX was fraudulently taken out in my name for the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no association with this address or account, nor have I ever had any. I was notified because a collection account appeared on my credit report. I have reached out to the debt collector, Transworld Systems, and the account originator, XXXX XXXX. This account is currently closed, but a balance of {$450.00} was sent to collections for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This XXXX chase close my account thas my only income income i get fron social security now I dont have any money I put my friends check into my account but he go with mi to the chase bank with his ID and everything we ask first they only sad ok no problem later they star asking for my XXXX  also ask me for alot of evidence from my friends I show everything they ask and I give to that manager the location but that only said they need to talk with my XXXX  my XXXX  always are with me at that bank im very extresed because I dont have any money I have all the evidence they ask but they don't care I said to the banck I will call you XXXX  they OK XXXX XXXX like ignoring me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: NC

Complaint narrative:
They called and didn't identify themselves as soon as they called they just asked for my name and gave me the last two of my social. I would appreciate if the debt collectors identified themselves as soon as they called like they are supposed to. company is called like Revco and they

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I am writing to follow up on my recent complaint submitted to the Consumer Financial Protection Bureau regarding inaccuracies on my credit report, including the presence of outdated or incorrect personal information, unauthorized hard inquiries, and derogatory accounts that do not belong to me or are otherwise unverifiable. 

Despite my previous request, these items remain on my credit file and continue to have a negative impact on my creditworthiness. I respectfully request that the following actions be taken as required under the Fair Credit Reporting Act ( FCRA ) : Removal of Outdated or Inaccurate Personal Information : XXXX Interstate XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I request the removal of all outdated addresses, or other personal identifiers that are not directly associated with my identity or current living situation. 

Deletion of Unauthorized or Unverified Inquiry : XXXX XX/XX/year> I did not authorize the listed hard inquiry, and I request it be investigated and permanently removed unless proof of permissible purpose can be provided by the data furnisher. 

Investigation and Deletion of Derogatory Accounts : XXXX BANK DELAWARE XXXX {$13000.00} XXXX BANK DELAWARE XXXX {$13000.00} XXXX BANK DELAWARE XXXX {$0.00} XXXX BANK DELAWARE XXXX {$0.00} XXXX XXXX XXXX {$7300.00} XXXX CARD XXXX {$9000.00} XXXX CARD XXXX {$5300.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX XXXX {$29.00} XXXX XXXX XXXX Original creditor : XXXX XXXX A THE XXXX XXXX XXXX {$6200.00} XXXX  XXXX Original creditor : XXXX BANK DELAWARE XXXX {$5900.00} XXXX XXXX  Original creditor : XXXX XXXX {$4900.00} XXXX XXXX  SV Original creditor : WXXXX XXXX XXXX {$1800.00} XXXX XXXX Original creditor : XXXX XXXX {$1100.00} XXXX  Original creditor : XXXX BANK XXXX {$1000.00} XXXX CRED Original creditor : XXXX  BANK XXXX {$910.00}

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to follow up on my recent complaint submitted to the Consumer Financial Protection Bureau regarding inaccuracies on my credit report, including the presence of outdated or incorrect personal information, unauthorized hard inquiries, and derogatory accounts that do not belong to me or are otherwise unverifiable. 

Despite my previous request, these items remain on my credit file and continue to have a negative impact on my creditworthiness. I respectfully request that the following actions be taken as required under the Fair Credit Reporting Act ( FCRA ) : Removal of Outdated or Inaccurate Personal Information : XXXX Interstate XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I request the removal of all outdated addresses, or other personal identifiers that are not directly associated with my identity or current living situation. 

Deletion of Unauthorized or Unverified Inquiry : XXXX XX/XX/year> I did not authorize the listed hard inquiry, and I request it be investigated and permanently removed unless proof of permissible purpose can be provided by the data furnisher. 

Investigation and Deletion of Derogatory Accounts : XXXX BANK DELAWARE XXXX {$13000.00} XXXX BANK DELAWARE XXXX {$13000.00} XXXX BANK DELAWARE XXXX {$0.00} XXXX BANK DELAWARE XXXX {$0.00} XXXX XXXX XXXX {$7300.00} XXXX CARD XXXX {$9000.00} XXXX CARD XXXX {$5300.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX XXXX {$29.00} XXXX XXXX XXXX Original creditor : XXXX XXXX A THE XXXX XXXX XXXX {$6200.00} XXXX  XXXX Original creditor : XXXX BANK DELAWARE XXXX {$5900.00} XXXX XXXX  Original creditor : XXXX XXXX {$4900.00} XXXX XXXX  SV Original creditor : WXXXX XXXX XXXX {$1800.00} XXXX XXXX Original creditor : XXXX XXXX {$1100.00} XXXX  Original creditor : XXXX BANK XXXX {$1000.00} XXXX CRED Original creditor : XXXX  BANK XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
There are XXXX fraudulent inquiries on my TransUnion Credit Report, which was not unauthorized by me. I have tried to correct this through the TransUnion Credit reporting agency, but was not successful because they sent out a request to the company to remove the inquiry, but the inquiry was not removed. 
Therefore, I am submitting this complaint because my rights have been violated and I am giving this company one last chance to correct this important matter or be in violation of the law and be subject to {$1000.00} fine per occurrence. Please stay in compliance with 15 U.S.C. 1681 section 602 A. and 15 U.S.C. 1681 Section 604 A Section 2. The Inquiries Include : 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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am submitting this complaint regarding BMO Bank , N.A . ( BMO ) for failure to comply with its arbitration obligations as set forth in the BMO Deposit Account XXXX. In XX/XX/year>, I submitted a written arbitration demand via mail to : Deposit Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMO failed to acknowledge or respond. On XX/XX/year>, I submitted the same arbitration demand electronically to XXXX. Again, no response was received. Under the BMO Deposit Account Handbook, customers are contractually entitled to resolve disputes through arbitration upon demand. Pursuant to the binding arbitration provisions contained in the BMO Deposit Account Handbook, I demand for arbitration to resolve this matter. Enclosed is a copy of the arbitration complaint previously submitted to BMO, which remains unanswered, as well as the Handbook.

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 2025-09-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS 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 Balance : {$900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation