vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC
State: VA

Complaint narrative:
My mother passed away XX/XX/XXXX, XXXX XXXX XXXX XXXX  through a will probate went to court and gave me ownership of the property. I received a condolence letter only that a reverse mortage existed. no response. the home/property was given ownership to me and for the last 5 years I have lived here. on XX/XX/XXXX I received a certified letter saying they were foreclosing XXXX on the home for over XXXX XXXX. In my research i have found that XXXX county clerk of the court has no liens on the property. a title search shows there appears to fix deed of trust. Upon further investigation i found that XXXX  XXXX XXXX who cant loan money due to federal law, and that my mother provided the promissory note which funded the entire loan and banks did no bring any lawful consideration there was never a loan. however XXXX XXXX XXXX in pretense gave my mother the reverse mortage. upon further investigation I found that my father XXXX XXXX, name was still on the deed/title. XXXX  XXXX XXXX comiited fraud and there is a breech of contract. because my fathers signature and permission was never given on the reverse mortage. his name was on the title. the loan took place XX/XX/XXXX, and my fathers name was still on it. XXXX XXXX name wasnt removed until XX/XX/XXXX, XXXX even though the is a fraudlent loan because banks cant loan money and my mother through the promissory note provided the actual cash value, and no lawful consideration from XXXX  XXXX XXXX was given this loan was sold multiple times. XXXX county circuit court has no liens on the property. by law the banks who purchase the loans over and over are required to filed a new lien to be placed on the country record. currently XXXX is saying I will be evicted and the home foreclosure. I own the home, I have no mortgage. there has been fraud theft and perjuy comitted. banks under federal law can not loan money or take depositors assets. so where does the money come from. it comes from us. action needs to be taken immmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 1681i, my report must only contain information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, I ask that they be corrected or 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 explanation
Consumer complaint received 2025-09-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate and verifiable report. I request that these accounts be reviewed, and if they can not be confirmed as correct, they must be deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
They ReAged debt owed. This was disputed and won. Now it reappeared on my credit report. 
This was for years off my credit report now it went back on. This re dated it. It was disputed and won years ago from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I had a payment of {$21.00} that made my account negative - {$8.00}. There was a XXXX payment of {$10.00} made on XX/XX/year>XXXX  to cover the negative account so that I wouldnt be charged any overdraft fee, that bought the account back to a positive state at {$1.00}. Region gives you 2 days to fix the negative balance which I did fix yet they still charged me an overdraft fee of {$36.00}. I contacted them to get a refund for the overdraft fee but they refused to do it.

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 2025-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
went to transfer funds to my backup account ( external to Fifth Third Bank ). When I set up the transfer, it never stated whether the transfer would be immediate or when the funds would actually debit from my savings account and move to the external account. After I submitted it, nothing happened for almost XXXX hours no debit, no confirmation, no notice of approval or rejection. 

Because there was no sign the transfer had processed, I assumed it did not go through. I then moved money from my Fifth Third savings into my Fifth Third checking and used those funds for necessary expenses. Several hours later, the {$550.00} transfer I had set up suddenly posted, but by then my account had less than that amount available. This caused my savings account to go negative and left my balance in limbo for several days. 

On XX/XX/year>, a Fifth Third representative told me the {$550.00} would be returned to my account and that I should see the money back the next business day. Based on that information, I expected to have about {$400.00} available after covering the negative balance. However, the next morning I received an email saying Fifth Third would automatically re-submit the failed transfer again in case it was a temporary issue. 

I immediately contacted the bank and told them not to re-submit the transfer. Despite my clear request, they told me the system is automated and can not be stopped. As a result, my funds were frozen again, my balance remained negative, and I had no access to the ~ {$400.00} I should have had available. 

This sequence of events the lack of clear disclosure about timing, the delayed debit, the contradictory information from different representatives, and the automatic re-submission after I requested cancellation caused extreme hardship. I have been unemployed since XX/XX/year>, and my family depends on these funds for food and essentials. I am asking that Fifth Third immediately release my returned funds, correct the negative balance, and ensure this type of re-submission does not happen again after a customer cancels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
Late payment entries shown on my report appear to be inaccurate. Pursuant to 15 U.S.C. 1681e ( b ) and 1681i, my credit file must contain only information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be substantiated, I ask that they 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 explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or 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 explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts that have been wrongfully reported under my name. I have never authorized, opened, or maintained these accounts, and their presence is both inaccurate and unlawful. These false entries have caused significant harm to the accuracy of my credit file and must not remain.

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 2025-09-05 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: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$750.00} XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$240.00} XXXX XXXX XX/XX/XXXX {$1000.00} Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$670.00} XXXX XXXX {$23000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$750.00} XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$240.00} XXXX XXXX XX/XX/XXXX {$1000.00} Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$670.00} XXXX XXXX {$23000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: MI

Complaint narrative:
I have never received any notification regarding this debt. I have no idea who it is from or what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2025-09-05 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: MI

Complaint narrative:
I am submitting this complaint against XXXX XXXX regarding inaccurate reporting of a XXXX  XXXX XXXX 30-day late payment. 
I have submitted multiple disputes, including certified letters, and under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), XXXX XXXX was required to conduct a reasonable investigation and provide the results within 30 days. Instead, they continue reporting the disputed late payment without verifying it. 
This is not just my opinion. I now have documentary evidence from two other nationwide CRAs : XXXX letter  ( XX/XX/year> ) : states the XXXX  XXXX XXXX tradeline is not in our database. 
XXXX XXXX response ( XX/XX/year> ) : confirms they have no consumer report on file for me and can not verify the tradeline. 
This proves the XXXX  XXXX XXXX 30-day late can not be verified. Under FCRA : 607 ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy. 
611 ( a ) ( 5 ) ( A ) : If information can not be verified, it must be deleted. 
Despite this, XXXX XXXX continues reporting the late payment. That is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-09-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my credit report that I believe contain errors. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting a thorough review of these accounts, and if they can not be verified as accurate, I ask that they be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
Complaint Narrative : I am filing this complaint regarding XXXX ( auto loan account ), which is being reported inaccurately by XXXX, XXXX, and TransUnion. 

Account details : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX  Closed : XX/XX/XXXX Balance : {$0.00} ( paid in full ) Status : Paid/Closed ( but still reported derogatory ) Issues : False derogatory reporting The account is fully paid with a {$0.00} balance, yet still shows negative status and late payments. 

Contradictory information across bureaus XXXX  and XXXX  list Paid, while TransUnion reports Closed derogatory. 

Improper late payment history XXXX report 30-day lates in XXXX despite the account being already closed and settled. 

Violations of consumer rights This account should only reflect Closed Paid/Zero Balance with no derogatory remarks. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Credit reporting must ensure maximum possible accuracy.

605 ( 15 U.S.C. 1681c ) Paid/closed accounts can not be misreported as derogatory.

607 ( 15 U.S.C. 1681e ) XXXX must maintain reasonable accuracy procedures.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation when data is disputed.

623 ( 15 U.S.C. 1681s-2 ) Furnishers must not report false or misleading information.

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