vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My account with XXXX 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. 


XXXX EXPERIAN XXXX 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 2025-01-10 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
IM DISPUTING AN ALLEGE LATE PAYMENT ON MY CREDIT ACCOUNT FROM EXPERIAN, I'VE BEEN DISPUTING THIS FOR MONTHS NOW, AND I JUST READ ONLINE THAT EXPERIAN HAS BEEN SUED FOR IMPROPERLY NOT FOLLOWING THE LAW AND GUIEDLINES FOR CUSUMERS LIKE MYSELF..EXPERIAN IS NOT READING THE DOCUMENTS THAT ; S BEEN SENT TO CUSUMERS LIKE MYSELF, AND THEY HAVE BEEN PRACTICING UNLAWFUL BUISNESS PRACTICES, EXPERIAN IS THE PROBLEM FOR ALLOWING AND EXCEPTING THIS ALLEGE LATE PAYMENTS AND NOT GETTING TO THE HEART OF THE PROBLEM..IM SO HAPPY THAT THE CFPB HAS SUED EXPERIAN, SO CUSUMERS LIKE MYSELF CAN GET JUSTICE ... XXXX NEEDS TO BE LOOKED AT ALSO ... XXXX ASKING THE CFPB TO ENFORCE EXPERIAN AND XXXX TO REMOVE THIS UNFOUNDED LATE PAYMENT OFF MY CREDIT REPORT... ESPECIALLY DUE TO THE FINDINGS ALL ON THE NEWS AND ONLINE... EXPERIAN NEEDS TO BE ASHAMED OF THEMSELVES FOR THIS CROOKED UNDERHANDED BUISNESS PRACTICES... BUT IM NOT SURPRISED!!!

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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.

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 2025-01-10 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: FL

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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Request to Cease Sending Correspondence to Incorrect Address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested to have an address that doesn't belong to me nor can I receive any correspondence to be deleted from my consumer report,

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: KEYCORP
State: NJ

Complaint narrative:
I am filing a formal complaint against KeyBank N.A. for violations of my consumer rights, including breaches of the Gramm-Leach-Bliley Act, the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ), and the Fair Credit Reporting Act ( FCRA ). KeyBank failed to provide me the opportunity to opt out before sharing my personally identifiable financial information with third parties, including credit reporting agencies and other institutions, in violation of federal and state privacy protections. Despite my explicit objections to this information sharing, KeyBank has asserted its authority to do so under its Privacy Policy, which directly conflicts with the GLBAs emphasis on consumer consent and opt-out rights. This failure to honor my privacy rights demonstrates willful negligence and disregard for federal protections. Additionally, I have repeatedly disputed a fraudulent account reported by KeyBank, but no resolution has been provided. KeyBank has reported a fraudulent account to credit bureaus without my knowledge or consent, violating FCRA 1681g ( e ), which requires documentation for fraudulent accounts, and FCRA 1681s-2, which mandates the accurate reporting of information. By sharing my financial information without my consent and failing to address this fraudulent account, KeyBank has engaged in practices that amount to identity theft under 15 U.S.C. 1681a ( q ) ( 3 ). KeyBank has also failed to comply with the CFPB 's guidance on consumer protections, including transparency and fairness in data sharing and dispute handling. This disregard for federal and state consumer protection laws has caused significant XXXX, financial harm, and damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: D2 Management LLC
State: LA

Complaint narrative:
I have never heard of this company at all. So i don't see how they are trying to collet a debt i never had with them. I also never agreed for any of my information to be sold to anyone at all. I have certain right that are protected with my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I financed a XXXX ATV for my sons birthday in XXXX. 

The purchase price was about {$1200.00}. I gave the company I purchased the ATV from a {$500.00} down payment, and financed the remainder. I set up payments to be deducted weekly by the finance company " American First Finance '' in the amount of {$39.00} until the balance was paid off, or I was under the impression that was the case. 
Every week I received notifications that my payment was successful. On XX/XX/XXXX my payoff amount was {$400.00}. On XX/XX/XXXX it went all the way up to {$990.00}. I spoke to XXXX XXXX XXXX ) and he did the typical " let me get my XXXX '' sales pitch. XXXX XXXX of the customer service reps. After 2 offers they " brought it down '' to {$630.00} for the final buyout amount. XXXX told me I " received an email '' a week prior letting me know the balance would go up. That email was never received, however I received every email about my successful payment. On XX/XX/XXXX after I wrote a bad review and threatened attorneys, they provided a " settlement offer '' of {$530.00}, valid until XX/XX/year>. 

Between XX/XX/XXXX and XX/XX/XXXX I had paid an additional {$310.00} weekly as the payments were still being deducted. The finance company has many other reviews from customers with similar experiences to mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft my information was exposed in a data breach I have been actively monitoring my report .I did not authorize the following companies to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
XXXX XXXX shows on their XXXX report that my XXXX XXXX is only XXXX, which is incorrect as I am above 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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
This account has been flagged as fraudulent and is tied to a verified case of identity theft, as reported to the FTC ( FTC Report ID : [ Insert Report ID ] ). I have never authorized nor am I liable for this debt. Reporting such a fraudulent account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-01-11 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: DE

Complaint narrative:
I am filing this complaint against TransUnion, XXXX, and XXXX due to their failure to ensure the accuracy and verifiability of the information reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question, Account # XXXX, has multiple inconsistencies and inaccuracies across the three credit reporting agencies, as outlined below : Specific Errors in Reporting Contradictory Payment Status and Remarks : TransUnion lists the account as " Charged off as bad debt, '' while XXXX and XXXX XXXX it was " Purchased by another lender '' or " Account transferred or sold. '' These discrepancies demonstrate conflicting reporting practices and raise questions about the accuracy of the data. 

Inconsistent Dates of Last Activity : TransUnion reports the last activity as XX/XX/year>, XXXX lists it as XX/XX/year>, and XXXX states XX/XX/year>. These discrepancies violate FCRA requirements under 609 ( a ) ( 1 ) to ensure accurate and reliable reporting. 

Illogical Credit Limit and High Balance Reporting : The high balance of {$600.00} is listed, but the credit limit is shown as {$0.00}, creating a contradiction and suggesting that the reporting is incomplete or unverifiable. 

Incomplete Payment History : TransUnion and XXXX report payment histories, yet XXXX does not, even while classifying the account as " Derogatory. '' This inconsistent reporting further indicates a failure to maintain accurate records. 

Legal Basis for Dispute Under 611 of the FCRA, all information on a consumer 's credit report must be accurate, complete, and verifiable. Given the inconsistencies and lack of verifiability outlined above, this account does not meet the legal requirements for inclusion on my credit file.

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 2025-01-11 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccuracies in Credit Reporting Dear CFPB, I am submitting a formal complaint regarding inaccurate and inconsistent reporting on my credit report concerning the account identified as Account Number XXXX by XXXX and XXXX by Equifax. 

Specific Issues with the Reporting : Account Number Discrepancy : XXXX reports the account number as XXXX, ** while Equifax XXXX it as XXXX  This inconsistency raises concerns about the accuracy and reliability of the information being reported. 

Late Payment Reporting : Both XXXX and Equifax indicate a 30-day late payment in XX/XX/year>, yet my records show no such delinquency. The creditor has failed to provide documented evidence to substantiate this claim, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Payment Status Conflict : Despite both bureaus reporting the account as " Closed '' and " Paid, '' the inclusion of a late payment inaccurately portrays my payment history, which could adversely impact my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The investigation lead to know results. Attached all documents that was sent to credit agencies.

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 2025-01-10 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: Experian Information Solutions Inc.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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