vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I AM A XXXX XXXX XXXX LADY WITH VERY CLEAR MIND. My credit cards I have in great standing and the one credit card my daughter took out under my name went bad and she is in a program to paid a portion a month. My other creditors are taking reports on this issue and lowering my other credit cards balances but mind all other cards are in perfect standard. I FEEL DISCRIMINATED DUE TO MY AGE AND ITS NOT FAIR WHEN MY CARDS ARE PAID UP AND GOOD STANDING. I AM FURIOS AND WILL BE REPORTING THIS TO AN ATTORNEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I am disputing the accuracy of the negative payment history reported for account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Bank of America. The bank has reported : 30 days late in XXXX  XXXX  60 days late in XXXX XXXX 60 days late in XXXX XXXX 60 days late in XX/XX/year> This sequence is inaccurate and misleading. If the account was already 60 days late in XX/XX/year> and no payment was made to bring it current, XXXX should have reflected 90 days late not another 60 days late. The same incorrect 60-day status was then repeated again in XXXX, which further distorts the true delinquency timeline. In reality, I made my payments on time, and this delinquency status is an error. 

I sent a letter to the bank clearly showing this mistake, marking the error in the payment history. In their written response, they repeated the same incorrect reporting while stating it was verified. This proves an internal inconsistency, as they have in writing both the inaccurate data and their claim of verification. 

This is misleading reporting that violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure maximum possible accuracy. The law does not allow reporting that is factually wrong or creates a false impression of my payment history. I am requesting that this account be corrected to show it was paid on time, as the current reporting contains clear and documented contradictions and the same error is repeated through 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 2025-08-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: GA

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 explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Information on Charged-Off Account [ Account Number ] To Whom It May Concern, I am writing to formally request detailed information about the above-referenced account, which your records indicate was charged off on [ date ]. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and any other applicable state laws, to obtain complete and accurate information about this account. 

Please provide the following : XXXXThe date of the last payment made on this account. 
XXXXThe date the account first became delinquent leading to the charge-off. 
XXXXA complete payment history, including an itemized accounting of all charges, interest, and fees added to the balance. 
XXXXThe amount of the debt at the time of charge-off, and the current balance owed ( if any ). 
XXXXWhether this account has been sold or transferred to another entity, and if so, the name and contact information of the current owner. 
XXXXDocumentation, including a copy of the original signed agreement or contract, establishing my obligation to pay this debt. 

Please note that until I receive the requested documentation, I dispute the accuracy and completeness of this account as reported to any credit reporting agencies. If you are unable to provide this information, please update my credit report accordingly to reflect the accounts removal or correction. 

This request is being sent via Certified Mail, Return Receipt Requested to ensure proof of delivery. Please respond within XXXX days of receipt. 

Sincerely, 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 2025-08-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Information on Charged-Off Account [ Account Number ] To Whom It May Concern, I am writing to formally request detailed information about the above-referenced account, which your records indicate was charged off on [ date ]. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and any other applicable state laws, to obtain complete and accurate information about this account. 

Please provide the following : XXXXThe date of the last payment made on this account. 
XXXXThe date the account first became delinquent leading to the charge-off. 
XXXXA complete payment history, including an itemized accounting of all charges, interest, and fees added to the balance. 
XXXXThe amount of the debt at the time of charge-off, and the current balance owed ( if any ). 
XXXXWhether this account has been sold or transferred to another entity, and if so, the name and contact information of the current owner. 
XXXXDocumentation, including a copy of the original signed agreement or contract, establishing my obligation to pay this debt. 

Please note that until I receive the requested documentation, I dispute the accuracy and completeness of this account as reported to any credit reporting agencies. If you are unable to provide this information, please update my credit report accordingly to reflect the accounts removal or correction. 

This request is being sent via Certified Mail, Return Receipt Requested to ensure proof of delivery. Please respond within XXXX days of receipt. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have directed PNC to cease all field-services activity at XXXX XXXX XXXX and to preserve all vendor/servicing records related to my complaint. The attached letter ( sent today ) references PNC Ref # XXXX, my XXXX ( sent XX/XX/year> ), and the XXXX case numbers. Please include this in the file and note that statutory XXXX timelines continue to run. 

Please let this submission be recognized as an official Complaint Update with an addition to the original CFPB Complaint # XXXX that was submitted on XXXX. 

Please see attached document labeled : XXXX CFPB Complaint Update Cover Letter and Regulatory Ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am filing this complaint against Equifax for their continued reporting of a late payment accounts on my credit report which are XXXX XXXXXXXX XXXX.... XXXX  XXXX XXXX....,. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding these inaccurate entries, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a XXXXreasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: RI

Complaint narrative:
I am disputing the accuracy of the negative payment history reported for account XXXX * * * * * * * * from XXXX XXXX XXXX. The bank has reported : XXXX  days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late in XX/XX/year> This sequence is inaccurate and misleading. If the account was already XXXX days late in XX/XX/year> and no payment was made to bring it current, XXXX should have reflected XXXX days late not another XXXX days late. The same incorrect XXXX status was then repeated again in XXXX, which further distorts the true delinquency timeline. In reality, I made my payments on time, and this delinquency status is an error. 

I sent a letter to the bank clearly showing this mistake, marking the error in the payment history. In their written response, they repeated the same incorrect reporting while stating it was verified. This proves an internal inconsistency, as they have in writing both the inaccurate data and their claim of verification. 

This is misleading reporting that violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure maximum possible accuracy. The law does not allow reporting that is factually wrong or creates a false impression of my payment history. I am requesting that this account be corrected to show it was paid on time, as the current reporting contains clear and documented contradictions and the same error is repeated through 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 2025-08-14 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: RI

Complaint narrative:
I am disputing the accuracy of the negative payment history reported for account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. The bank has reported : XXXX days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX days late in XX/XX/year> This sequence is inaccurate and misleading. If the account was already XXXX days late in XX/XX/year> and no payment was made to bring it current, XXXX should have reflected XXXX days late not another XXXX days late. The same incorrect XXXX status was then repeated again in XXXX, which further distorts the true delinquency timeline. In reality, I made my payments on time, and this delinquency status is an error. 

I sent a letter to the bank clearly showing this mistake, marking the error in the payment history. In their written response, they repeated the same incorrect reporting while stating it was verified. This proves an internal inconsistency, as they have in writing both the inaccurate data and their claim of verification. 

This is misleading reporting that violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure maximum possible accuracy. The law does not allow reporting that is factually wrong or creates a false impression of my payment history. I am requesting that this account be corrected to show it was paid on time, as the current reporting contains clear and documented contradictions and the same error is repeated through 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 2025-08-14 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: Experian Information Solutions Inc.
State: TX

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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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 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 2025-08-14 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: PA

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXXwas 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 in to be removed. 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 XXXX, XXXX XXXX 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 XXXX  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! Delete 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 2025-08-14 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: PA

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXXwas 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 in to be removed. 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 XXXX days before the payment due date. XXXX XXXX, XXXX XXXX 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 XXXX  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! Delete 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