vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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:
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 1666
b 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 payme
nts A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: DC

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XXXX/XXXX/25

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 2025-05-27 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX  XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: AL

Complaint narrative:
verify the account information that is reported on my report I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-27 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: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
This company is affiliated with the government so it never goes away. They take my tax returns and the interest has become unmanageable. I am not or have never been in the military. My ex-husband was able to open these cards. I am needing the original application that included my signature and everything that was purchased. The XXXX XXXX  and their customer service is horrible and they are taking advantage of those whose names appear on the card but did not open it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.

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 2025-05-27 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 1.XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$42000.00} Date Opened : XXXX/XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate investigation and deletion of inaccurate and incorrect personal information currently being reported in my Experian credit file.

Upon reviewing my credit report, I discovered that several names and addresses appear on my file that do not belong to me and are not associated with my personal, financial, or legal history. These errors constitute false and misleading information and must be removed in compliance with federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), Experian is legally required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. By reporting names and addresses that are not mine, Experian is in direct violation of this provision.

Moreover, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am entitled to dispute the completeness or accuracy of any item of information in my file. You are required by law to conduct a reasonable reinvestigation within 30 days of receiving this dispute and delete or correct any information found to be inaccurate, incomplete, or unverifiable.

Therefore, I am requesting the following : 1. A full reinvestigation of the personal information section of my credit report ; 2. Immediate deletion of all names and addresses not directly connected to me ; 3. Written confirmation of the outcome of your investigation and an updated copy of my credit report.

Please note, failure to comply with the requirements of the FCRA may subject your organization to civil liability under 15 U.S.C. 1681n and 1681o, including actual, statutory, and punitive damages, as well as attorneys fees.

I have enclosed a copy of my government-issued ID.

This letter shall serve as official notice under the FCRA. Please respond within the statutory 30-day timeframe. 

My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-05-27 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I entered into a settlement agreement with PNC Bank on XX/XX/XXXX, to pay a reduced balance of {$1200.00} in XXXX installments, beginning XX/XX/XXXX. I made the first installment of {$510.00} in XXXX as agreed, and my account history online reflected the installment payments as paid. I continued making payments, totaling {$700.00} by XX/XX/XXXX. 

However, in XX/XX/XXXX, I was contacted by XXXX XXXX XXXX claiming I still owed {$3300.00}. When I reached out to PNC, I was told I had not met the terms of the settlement and that my first payment was never received, which is false. 

PNC provided documents showing my payment logs, but none showing what they received or whether any payments were rejected or misapplied. They also failed to provide requested email logs proving communication attempts. I was overseas from XX/XX/XXXX, to XX/XX/XXXX, and had informed PNC ahead of time. My mother collected my mail while I was away, and none of the letters PNC claimed to have sent including XXXX dated XX/XX/XXXX were ever received. 

Furthermore, the math does not add up. If I had not made the first payment, it is highly questionable why no one at PNC contacted me earlier in the payment cycle. The continued acknowledgment of my payments in their logs, without proper clarification of what was applied or missing, raises serious concerns about the legitimacy of their response and internal recordkeeping. 

I believe PNC mishandled this settlement, misrepresented my payment status, and inaccurately reported my account. I am requesting full proof of what they received, not just what I sent, and official email logs verifying their attempts to contact me. Without these, their claims remain unsubstantiated and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This complaint concerns Westlake Financial Services continued furnishing of false, misleading, and unverifiable data in violation of their duties under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), 1681s2 ( a ) ( 5 ) ( A ), and 1681s2 ( b ) ( 1 ) ( E ). 

XXXX is reporting a last payment date of XX/XX/year>, despite no consumer-initiated payment having occurred on that date. This appears to be internal recovery ( e.g., auction proceeds ), which is prohibited from being reported as a payment under XXXX XXXX. Doing so creates a materially misleading tradeline and falsely resets the aging of the account, in direct violation of federal law and standardized credit furnishing guidelines. 

A formal dispute was submitted and tracking shows delivered on XX/XX/year>. As of XX/XX/year>, XXXX has not provided any response or resolution. They have continued furnishing derogatory data to XXXX XXXX XXXX. The Date of First Delinquency ( DOFD ) remains missing or misrepresented across bureaus further extending the derogatory window and constituting re-aging under 623 ( a ) ( 5 ) ( A ). 

Critically, the information they are furnishing is unverifiable, as required by 623 ( b ) ( XXXX ). XXXX has had over 30 days to respond. They have not corrected the tradeline, they have not supplied verification, and they have not deleted the account. Under FCRA 623 ( b ) ( 1 ) ( E ), deletion is mandatory when information is found to be inaccurate, incomplete, or unverifiable. 

This account has already caused documented harm, including XXXX mortgage denials ( XX/XX/XXXX and XX/XX/year> ) tied directly to this tradeline. At todays lending conditions, such delays carry significant economic consequence, potentially exceeding six-figure opportunity loss. This is not theoretical harm it is time-stamped, outcome-based, and the result of unlawful furnishing practices. 

Precedent exists. In similar CFPB and court-reviewed complaints involving unlawful re-aging, unverifiable post-charge-off activity, or continued derogatory furnishing after dispute, deletion has consistently been the regulatory remedy applied not correction. XXXX is not entitled to continue furnishing a tradeline that is both legally defective and causally harmful. 

I am formally requesting full deletion of this tradeline across all consumer reporting agencies, per FCRA 623 ( b ) ( 1 ) ( E ). Correction is not legally sufficient, and continued furnishing at this point would constitute ongoing violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am sending this complaint to BARCLAYS BANK DELAWARE regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I, XXXX XXXX, authorized a single payment of {$1.00} in XX/XX/XXXX to a merchant called XXXX, believing it was a one-time customs fee. Since then, this same merchant has made numerous unauthorized recurring charges typically XXXX small transactions each month. 

I only discovered this fraudulent activity in XX/XX/XXXX while reviewing my statements. There is also a pending transaction from the same merchant, which I flagged, but Chase has refused to refund any of the unauthorized charges, citing their XXXX dispute policy. 

When I contacted Chase : A representative named XXXX told me to watch the account more closely, but did not suggest closing the compromised card. 
A supervisor named XXXX finally closed the card, but only after I specifically asked her to do so. 
I was never offered a replacement card earlier despite the fraud continuing for months. 

XXXX failure to take proactive steps enabled this fraud to continue, and I was denied reimbursement for any of the charges, including XXXX that is still pending. I request : A full investigation and refund of all unauthorized charges, regardless of the XXXX policy, due to the deceptive nature of this fraud. 
Accountability for XXXX inadequate fraud prevention and customer support. 
A review of XXXX fraud response protocols, especially when dealing with recurring charges from scam merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information of fraudulent accounts on my credit report, leaving inaccurate or unverifiable accounts unresolved. I submitted a valid identity theft report to Equifax which resulted in them to delete multiple fraudulent accounts from my credit profile. However, Equifax has reinserted XXXX XXXX account number XXXX, XXXXXX/XX/XXXX XX/XX/XXXX account number XXXX, XX/XX/XXXXXXXX account number XXXX, and XX/XX/XXXXXXXX without any notifying me. Their reinsertion of said account is a denial and contradicts their own actions and violates FCRA 605B. I sent EQUIFAX a formal legal demand letter requesting THEIR METHOD OF VERICATION, documentation under FCRA 611, and a sworn verification. They responded with generic language claiming the address is linked to a " non- disputed account, '' ignoring that the same address was used to commit fraud they had already confirmed. this is willful noncompliance under FCRA 605B, 611, 616, and 617. I also believe XX/XX/XXXX is using internal or affiliated vendors ( XXXX, XXXX XXXX ), which is not legally compliant under 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation