vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: PA

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 2025-07-29 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: MI

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency and/or data furnisher has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 1681n. My credit report reflects several inquiries related to credit or insurance transactions that I neither initiated nor authorized.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-29 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: CA

Complaint narrative:
XXXX account and XXXX  XXXX accounts were both opened fraudulently, i contacted both companies with proof that I never had a XXXX phone and contacted them to cancel whatever it was as soon as it popped up on my credit report same with 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 2025-07-29 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-29 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: OH

Complaint narrative:
I am disputing inaccurate late payment reporting for XXXX XXXXXXXX XXXX XXXXXXXX. The account is listed as Late Over 120 Days/150 Days Past Due, but no original documentation validating the delinquency has been provided.

Under FCRA 609 and 611, I request verification including a signed agreement, itemized payment history, and method of verification under 611 ( a ) ( 7 ). 

If XXXX XXXX can not validate this reporting, it must be deleted. Continued furnishing of unverifiable derogatory data violates FCRA 623 ( a ) ( 1 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: VA

Complaint narrative:
Pioneer continues to deny my Louisiana SCRA benefits that are clearly being violated. They've stated this : Dear XXXX XXXX, Pioneer Military Credit LLC has received your request to reduce the interest rate on your current loan offer under the federal Servicemembers Civil Relief Act, 50 U.S.C. 3937 ( SCRA ), and Louisianas Servicemembers Civil Relief and Consumer Rights Act, LA Rev Stat 29:312. Pioneer Military Credit LLC strives for the best in customer satisfaction and appreciates the opportunity to assist you. The SCRA allows a service member to request a creditor reduce the rate of interest to six percent ( 6 % ) only for financial obligations that were incurred prior to the service member entering military service. 
We have reviewed the Louisiana provision with our council and our response is in accordance with their guidance. Louisianas interest rate cap for active-duty service members only applies to retail installment sales contracts, other contracts for the purchase of goods or services, or bonds, bills, notes, or other instruments of writing for the payment of money arising out of the contract or other transaction for the purchase of goods or services. LA Rev Stat 29:311 ( 3 ). As your loan with Pioneer Military Credit is a personal installment loan and is not in connection with the purchase of goods or services, your account does not qualify for the requested reduction in your interest rate. Pioneer Military Credit LLC thanks you for your service to our country. If you have any questions, please contact us at XXXX or by email at XXXX. 
Sincerely, Pioneer Military Credit After clearly stating why in my second CFPB complaint their definition of " obligations '' should be further reviewed they continue to send the same exact denial page like an automatic computer system. I will further explain in better detail of my reasoning in hopes i do not need to escalate this legally for further compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit card company reporting late payments. Payment plan was established & paid on time. Reflecting late payments on report resulting in credit score. Company reported late payment on XXXX, payment was complete, reported late payment in XXXX payment was complete. Unable to make any additional payments as account was on a payment plan, price was locked in for an agreed amount and due date. Balance reported is incorrect, card is at good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
b'Statement Regarding Mortgage Fraud and Foreclosure by U.S. Bank and XXXX\n\nU.S. Bank sold my home at auction following an act of mortgage fraud. My signature was forged on critical documents related to the loan and property. I was never notified that my mortgage had been transferred in XXXX. I was also unaware that my name had been removed from the deed and title at that time. As a result of this unauthorized transfer, I lost the legal protections afforded to me under the Homestead Act. I received no prior notice of these changes, nor any opportunity to contest them before my home was sold.\n\n\n\n\n\n\n---------- Forwarded message ---------\nFrom: XXXX XXXX XXXXnDate: XXXX XXXX XXXX XXXX XXXX XXXXnSubject: Subject: Request for Mortgage Transfer Notice and Gift Letters\nTo: , XXXX XXXX \n\n\n\nDear Friends,\n\nI did not receive any email or notice from the Registry of Deeds regarding the reported transfer of a mortgage from XXXX  to US Bank, as per your letter below. Please provide a copy of that notice prior to our XXXX  call tomorrow.\n\nAdditionally, I need copies of all gift letters associated with the mortgages, notarized.\n\nThank you for your attention to these matters.\n\nI also wasnt able to locate any publicly available mortgage or lien records for XXXX XXXX XXXX XXXX XXXX  in online real estate listings or assessor summaries. Data sources such as XXXX  and XXXX  do not include borrower-level mortgage details, and XXXX  only notes that the last sale occurred on XXXX for XXXX   Auction and foreclosure listings reference the property without naming individual loan holders.\n\nPlease advise asap. \n\n\n\nRegards,\n\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nI was informed by the office below of change in XXXX. \n\n---------- Forwarded message ---------\nFrom: \nDate: XXXX XXXX XXXX XXXX XXXX XXXXnSubject: XXXX XXXX  Consumer Notification Service\nTo: \n\n\n\nPer your request, we are notifying you that a document containing the following name has been recorded or modified at the XXXX  Registry of Deeds. This may include records of other individuals with the same name. \n\nDate Recorded: XXXX  \nDocument Type: AFFIDAVIT  \nDocument ID: XXXX XXXXnName Type: Grantor  \nName: XXXX XXXX XXXX \n\n\n\nSent from my XXXX'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: PA

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency and/or data furnisher has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 1681n. My credit report reflects several inquiries related to credit or insurance transactions that I neither initiated nor authorized.

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 2025-07-29 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 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
owner hasAccount info Account name XXXX Account number XXXX Account type Charge Card Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$4300.00} Highest balance {$5100.00} Terms - On record until XX/XX/XXXX passed away

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 2025-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Earlier in XXXX I received a Bank of America offer to open a savings account, fund it with {$1000.00} within 30 days of receiving money, keep it there for XXXX, and receive {$100.00}. 

I'm a longtime and preferred client with the bank. 

I called on XXXX to ask why I hadn't received the money as promised. The rep told me the offer conditions were not met ; my money came from XXXX. The fine print said the money had to come from an external source. 

Despite getting help from a Bank of America rep in setting up the savings account at the onset, no disclosure about this key term was made. 

I performed according to the offer/contract in good faith and in reliance by putting money in the account and forgoing other opportunity uses of the money. 

The rep who helped me set up the account failed in his duty to disclose, as did the bank when it took an active role in assisting me setup the account. 

When I inquired about why I didn't get the money as promised, I was given no new offer to get the bonus but was given empty offers of regular products.

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 2025-07-29 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting XXXX intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$6200.00} Late Payment Law Issue : Under FCRA Section 611 and 609 ( a ), consumers have the right to challenge inaccurate payment history. Improper late payment reporting must be corrected or removed if not backed by complete records. 
Story : I dispute the reported late payments as I was under a deferment or forbearance agreement due to financial hardship during this period. These special statuses should not reflect delinquencies. Kindly verify with XXXX and update accordingly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$3600.00} Late Payment Law Issue : FCRA XXXXction 623 ( a ) ( XXXX ) ( A ) requires furnishers to report accurate and truthful data. Any late payment reported in error must be fully substantiated or removed. 
Story : I believe this late payment history is reported in error or without considering qualifying hardship protections. I request validation of these delinquencies or prompt deletion if inaccurate. 

These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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