vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION 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 2025-07-25 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION 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 2025-07-25 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: GA

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 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX - Incorrect Personal , has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-07-25 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: DC

Complaint narrative:
My Federal Student Loans from the US Department of Education were discharged. See attached the document. Please delete the Federal Student Loans account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: DC

Complaint narrative:
My Federal Student Loans from the US Department of Education were discharged. See attached the document. Please delete the Federal Student Loans account from my credit 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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK
State: NY

Complaint narrative:
I recently became a naturalized U.S. citizen and legally changed my name from XXXX XXXX to XXXX XXXX. I now have both a U.S. passport and a U.S. passport card issued in my new legal name. Discover requested valid identification in order to process the name change on my account, which I provided. Since I do not currently have a New York State photo ID in my new name, I submitted my U.S. passport card as identification. 

My passport and passport card are government-issued and legally recognized forms of identification, and they have been accepted without issue by all other financial institutions I do business withincluding my retirement account provider. 

I do not understand why Discover is refusing to accept these valid documents, especially when they clearly reflect my legal name and status as a U.S. citizen. I am simply requesting that the name on my account be updated from XXXX XXXX to XXXX XXXX in accordance with my legal name change. If a U.S. passport and passport card are not sufficient, I am at a loss as to what else could be reasonably required. 
___ Hello, Thank you for your message regarding changing your name. I understand how important it is to update your account information, and I am happy to assist you today! 
Before we can complete your request, we will need legal documentation to change the name on your account. Please submit a new request through the Secure Inbox and be sure to include the following : Court Order or Naturalization Papers ( must show the new name ) Documentation showing the old name maps to the new name ( can be same document or another document ) For example, you could submit Naturalization papers that show your new name and a copy of your drivers license or ID showing your old name. Another example is a Court Order of Name Change and a copy of your drivers license or ID showing your old name. 
Keep in mind, we will be unable to update your name if the name is deemed fictitious, inappropriate, or unclear. In addition, the name on your account can not be changed to a business name as consumer accounts are intended for personal or household use. 
I appreciate your business and the opportunity to be of service. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX Original Message XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXXXXXX XXXX Subject : Re : Naturalization [ # XXXX ] How do you want to submit your name change? : electronic First Name : XXXX XXXX Initial : Last Name : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am writing to express my deep concern regarding Visas recent actions in pressuring the online gaming platforms XXXX and XXXX to remove certain games from sale. The targeted titlesfictional, animated, and clearly protected by existing laws regarding content creation and distributionare fully lawful to possess, purchase, and produce. Your decision to enforce restrictions against them constitutes not only overreach but a clear suppression of legal expression. 

Such conduct, particularly when exercised by a corporation with XXXX  scale and influence, raises grave concerns about monopolistic behavior and abuse of market power. The absence of real individuals in the content being penalized makes your intervention all the more troubling, and I am convinced that your restrictions do not reflect moral concern but a harmful misuse of leverage over digital marketplaces. 

This issue is not merely of personal interest to meit will define part of my political identity going forward. I intend to pursue every appropriate avenue to hold XXXX accountable, including : XXXX. ) Supporting legislation aimed at imposing regulatory oversight and restraints on your influence. 

XXXX. ) Engaging with legal professionals to explore antitrust litigation and advocacy. 

XXXX. ) Elevating public awareness of what I view as unlawful and unethical corporate conduct. 

XXXX. ) Above all : Campaigning for regulatory actions that would result in Visas classification as a monopoly subject to breakup. 

Visas behavior demonstrates a willingness to suppress creativity and consumer choice for reasons that appear neither legal nor ethical. I urge you to reconsider your current trajectory and restore access to these lawful products on XXXX, XXXX and elsewhere. Your continued conduct will be met with organized, political, and legal resistance.

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 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint against Experian and TransUnion for continuing to report an unauthorized XXXX XXXX account XXXX was previously removed following formal disputes under the Fair Credit Reporting Act ( FCRA ). This account was reinserted without any written notice, in violation of FCRA XXXX ( a ) ( XXXX ) ( B ). 

This account was originally removed from all three major credit bureaus in XXXX and XX/XX/XXXX after I submitted : A valid FTC Identity Theft Report Government-issued ID and proof of address Formal dispute letters to Experian, TransUnion, and XXXX  On XX/XX/XXXX, I also sent a formal cease-and-desist and XXXX demand letter directly to XXXX XXXX, notifying them that they were reporting inaccurate charge-off information in violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( knowingly reporting inaccurate info ) IRS regulations requiring a Form 1099-C for canceled debts over {$600.00} XXXX XXXX has never sent me a 1099-C, despite reporting this account as a charge-off. As per IRS guidelines, if the account is charged off, it must be treated as canceled debt and reported as income not as a delinquent tradeline on a credit report. If its not canceled, then the charge-off status is false. 

As of now : Experian reports the account as closed with a {$21000.00} balance, charge-offs monthly in XXXX, and only 26 % paid XXXX  has removed the account completely TransUnion reports conflicting info, labeling it as open and paid off, while still marking it delinquent I previously reported Experians inaccurate reporting to TransUnion in XX/XX/XXXX and XX/XX/XXXX I did not authorize this account, and XXXX XXXX has failed to prove that they have permissible purpose to report it under FCRA 604 . Reporting a tradeline without my knowledge or consent and after receiving a formal identity theft package constitutes identity theft and willful noncompliance with FCRA and IRS law. 



I am attaching my FTC Identity Theft Report, ID, proof of address, my XX/XX/XXXX cease-and-desist letter to XXXX XXXX, XXXX deletion confirmations, and credit report screenshots and letters I sent to both Experian and TransUnion. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
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 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 2025-07-25 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: CT

Complaint narrative:
Subject : Ongoing Inaccurate Reporting of Mortgage Accounts by XXXX and Equifax in Violation of the FCRA Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite sending multiple written disputes and providing lender-issued payoff letters proving the accounts were not discharged in bankruptcy but paid in full through property sales, both credit bureaus have failed to correct or remove false and damaging information from my credit reports. 

Summary of XXXX Accounts : XXXX XXXX ( Mortgage XXXX XXXX XXXX XXXX XXXX falsely lists this account as : Closed, 180 Days Late, Included in or discharged through XXXX XXXX XXXX XXXX XXXX XXXX  Equifax shows a balance of {$170000.00} despite XXXX XXXX XXXX both XXXXisting {$0.00} balance XXXX lists this account as Paid/Derogatory/Open, but does not mention bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lists a {$41000.00} balance and Late 180 Days Equifax shows this account as : Closed, Included in bankruptcy, Dispute in progress XXXX  shows {$0.00} balance, Open status, and no dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnly Equifax reports this account Marks it as Paid, Closed, Current, and balance {$0.00} XXXX XXXX XXXXXXXX do not report this account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only Equifax reports this account Status : Transferred, Closed, Late 120 Days Balance : {$0.00}, remarks : Account transferred or sold XXXX XXXX XXXX show no reporting at all. 

Violations and Supporting Evidence : These inconsistent and inaccurate reports are materially harmful and violate : 15 USC 1681e ( b ) : Failure to maintain maximum possible accuracy 15 USC 1681s-2 : Duty of furnishers to investigate disputes 15 USC 1681i ( 5 ) : Reinsertion of previously disputed/removed information 15 USC 1681c ( c ) : Retention and reporting of outdated or inaccurate data I have provided documentation ( available upon request ) that confirms the accounts were satisfied through XXXX XXXX should reflect {$0.00} balance, paid/closed status, and no bankruptcy discharge. 

I also reference the CFPB lawsuits against both XXXX XXXX XXXX ) and Equifax ( XXXX ) for systemic failure to investigate consumer disputes and reinserting/removing inaccurate information, which reflects the same ongoing issues in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harley Davidson Financial Services Inc
State: MT

Complaint narrative:
XXXX"This collection company argus law XXXX XXXX XXXX collector XXXX XXXX repedely contacts members of my family coworkers distant friends wife and relatives in a tactic of pressure intemidaton in a attempt to collect on a debt I'm in the process of bank rupsey and divorce and want to be left alone will I paddle through the legal process"

Company response to consumer: Closed with explanation