vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN XXXX  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 XXXX XXXXN 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 2025-09-18 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.
State: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains clear inaccuracies that must be corrected immediately. These errors are causing significant and ongoing harm to me, both personally and financially. The continued presence of these inaccuracies is unacceptable and can not be ignored.

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 2025-09-18 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My wife and I applied for a forbearance and were approved for XXXX in XXXX of XXXX. We completed the steps required and made a payment on XX/XX/XXXX in accordance with the approval. Yet, the payment was not applied to our loan. In addition, we completed the additional paperwork and submitted by the XX/XX/XXXX due date. On XX/XX/XXXX, we tried to make the second payment of the forbearance only to be denied. Unbeknown to us, on XX/XX/XXXX the forbearance was cancelled. We did not receive the notice until XX/XX/XXXX or XX/XX/XXXX. Because we did not know about the denial, and our loan was not paid a {$450.00} late fee was charged. I've reached out numerous times, but continue to get the runaround. I reached out to the President only to receive a form letter. What precipitated this issue was that we were approved for a forbearance, that we did not qualify for. No one at Rocket Mortgage told us that we needed to be 60 days behind in our mortgage payments to qualify for a forbearance to begin with. I was yelled at, interrupted and spoken over by one Rocket Mortgage Rep. Total disrespect. Rocket mortgage has had reps leave voicemails, but failed to provide any direct followup. Only the collections/payment office. With little to no effort, I reached out to the Department of Veteran 's XXXX office since my home is a VA loan. Rocket Mortgage provided the same documentation ( form letters ) to the VA. The VA rep failed to answer my questions or address my concerns. She suggested that I file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Late payment entries listed on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or deleted.

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 2025-09-18 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
I have requested that this frivolous accounts be removed. I was exposed in multiple data breaches and upon checking I saw accounts not familiar to me Im asking that all accounts be verified for ownership and accuracy providing method of verification or deleted. Bureaus have failed to respond.

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On multiple occasions in XXXX, unauthorized transactions were made using my Wells Fargo debit card : On XX/XX/year>, a charge of {$2300.00} at XXXX XXXX XXXX was processed without my authorization. 
On XX/XX/year>, a charge of {$4500.00} at XXXX XXXX XXXX XXXX was processed without my authorization. 

I disputed these transactions with Wells Fargo and submitted multiple sets of evidence, including proof that I did not authorize or receive these purchases. However, Wells Fargo repeatedly reopened my disputes and then closed them the very same day, without properly reviewing the evidence. 

I called Wells Fargo many times. On one occasion, an agent even told me that I should try to resolve the problem myself and gave me the phone number of one of the merchants ( XXXX XXXX XXXX XXXX ). When I contacted the merchant, they treated me very poorly. 

When I spoke with Wells Fargo representatives, I was often treated badly, even yelled at, and accused of making the purchases myself, even though none of these transactions are connected to my personal information. I feel I have been discriminated against and denied a fair review of my claims. 

On the night of XX/XX/year>, I sent my supporting documents by fax and email. Wells Fargo told me the claim was reopened, but it was closed again the same day, without consideration of my evidence. 

Wells Fargo has failed to properly investigate these unauthorized charges, has ignored my evidence, and has treated me unfairly. I am requesting that CFPB require Wells Fargo to review my case, take into account all the documentation I provided, and return the unauthorized funds.

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 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I never received any debt collection notice from Portfolio Recovery Associates , LLC. However, while reviewing my credit report, I discovered that they were reporting an alleged debt in my name. 

In XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and sent a timely written debt validation request directly to the company. 

Instead of providing validation, Portfolio Recovery Associates responded that they could not locate the account unless I provided additional sensitive personal information, including my Social Security number. This is improper because they already had sufficient identifying information to contact me at my name and mailing address. 

I have no knowledge of this alleged debt and have never entered into any agreement with Portfolio Recovery Associates. 

Under the FDCPA, a collector must cease collection activity until validation is provided. Requesting my Social Security number as a condition for providing validation is unnecessary and places me at risk of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report only accurate information. Continuing to report an unvalidated debt violates this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ACHIEVE PERSONAL LOANS - XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 


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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 2025-09-18 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: MO

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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} 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 explanation
Consumer complaint received 2025-09-18 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: NE

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX  # XXXX -- - XXXX XXXX  # XXXX -- - XXXX XXXX  XXXX # XXXX -- - XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX XXXX # XXXX -- - XXXX XXXX XXXX # XXXX -- - XXXX XXXX # XXXX -- - XXXX XXXX XXXX # XXXX -- - XXXX XXXX # XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX EXP XXXX XXXX EXP XXXX XXXX EXP XXXX XXXX TU XXXX XXXX TU

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 2025-09-18 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: FL

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, XXXX AM XXXX AM XXXX XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX XXXX for deceptive and misleading XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint against Citibank regarding persistent issues with their account verification process and the fraud block placed on my account, which have directly impacted my ability to use and manage my account. 

After recently opening a Citi credit card account, I attempted to link and verify my account through Citis website and mobile app in order to manage payments and connect to third-party financial tools ( such as XXXX XXXX XXXX XXXX XXXX ). However, each time I attempted verification, I received an error message stating : Your Request Has Failed. Please note, your request has failed due to an internal error or an error with the server. Please try again later. 

This error has persisted for days despite multiple attempts, using different devices, browsers, and networks. I also contacted Citi customer support, but the representatives were unable to resolve the problem or provide a timeline for resolution. 

In addition, a fraud block has been placed on my account, preventing me from spending any money or using the account at all. When I try to resolve this, Citis system refuses to use my phone number to verify my identity even though that same number works for two-step verification when signing into the Citi app. This inconsistency has left me unable to complete verification, remove the fraud block, or make normal use of the account. 

As a result, I have been unable to : Confirm or update my personal account information, Properly manage my account through Citis online services, Connect my account to third-party financial management applications, Use my credit card to make purchases, despite being approved and issued an account.

This situation is unacceptable because Citis verification and fraud prevention systems are preventing me from accessing and spending from my own account. I am concerned about the lack of transparency and accountability, especially since this involves sensitive financial data and directly impacts my ability to use credit that I was approved for.

I request that the CFPB investigate Citis verification and fraud block processes, ensure that they provide a timely resolution, and require Citi to improve the reliability and consistency of their account access and verification systems so that consumers are not left without access to critical account functions. 

Thank you for your attention to this matter.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent accounts that have been wrongly reported under my credit profile. These accounts were not created, authorized, or used by me, and their presence is a direct violation of my right to accurate reporting. By allowing such entries to remain, my financial reputation is being unfairly compromised.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/year> I received a letter from Wells Fargo about a wire transfer of XXXX to XXXX I have never had an account with Wells Fargo and I did not authorize this account or transaction I immediately called Wells Fargo and they opened a case but could not explain how the account was opened due to privacy rules I am concerned that Wells Fargo allowed an account to be opened in my name without proper verification and I want written confirmation that I am not responsible for this account

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