vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-10 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 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.

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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
b'Account in default because company did not credit three payments: Payment dates:\nXX/XX/XXXX XXXX XXXX XXXX paid Check #XXXXXX/XX/   XXXX XXXX XXXX paid Check # XXXXXX/XX/XXXX XXXX XXXX XXXX  paid Check # XXXXAll payments were made at local branch on time.\nBank claims never received payments and have charged late fees totaling $XXXX from XXXX XXXX  thru XXXX XXXXHave spoken to bank 8x on this matter without success. Each bank representative passes the buck to another employee and department because they have no authority on the matter. I have receipts on hand for all payments made.\nTRUIST BANK is at fault'

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
Dispute of Inaccurate Information on Credit Report Dear Sir or Madam : I am writing to dispute the following information on my credit report : LEAD BANK! These items is inaccurate because it does not reflect the correct amount on the account. I request that this item be deleted to reflect my true credit history. Please investigate this matter in 15 days promptly and make the necessary changes. Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
In XXXX, I applied for credit towards some XXXX XXXX to XXXX XXXX XXXX. This was done at my then primary dentists office, and it was provided through CareCredit. I was completely fine with the terms, as long as I eventually received the product. I was well aware I would not receive the product immediately and may still have to make payments, so I did for the first few months. Through that time I moved, but made sure to keep in contact very well with the company, to ensure that I would eventually get my product. Well, there was minimum effort to get the product to me, and constant miscommunication between internal workers at said company. For months and eventually more than a year, there was constant miscommunication on the state of my product, and little to no effort to actually resolve it. So, since I didnt receive my product I stopped making payments. I kept trying to resolve this internally with the company but there was no resolve, just more and more negative impact on my credit for a product I DONT HAVE. This lasted from XXXX all the way to XX/XX/XXXX, when I got fed up and made an internal dispute with CareCredits customer service team. The lady I spoke had let me know the call will be recorded and I agreed to said terms. I let her know of the situation exactly how I explained it before, and what she proceeded to let me know whats that she had submitted the dispute, and that I should expect a written notice of said dispute within the next 60 days of the call, which would be sent to my address at the time. Well, I never received it. I lived at that address long after the 60 days, hoping to get that letter, and I just never received it. It is also worth noting that I have not heard from the XXXX XXXX company in such a long time. I dont even care about the product anymore, this is affecting my credit. This is literally my life. The company did not uphold their part of the contract, have been terrible in contacting me, and Im stuck to clean it up. Again, I dont want this to be bigger than it has to, and all Im looking to do is get this removed off of my credit, but I will not hesitate to continue to escalate this.

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 2025-06-10 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: TX

Complaint narrative:
Experian is currently reporting multiple collection and charge-off accounts that I dispute as inaccurate, unverifiable, and damaging to my credit profile. These accounts include a charge-off from XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/XXXX, with a reported balance of {$3100.00} ; XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, reporting a {$0.00} balance but still shown as derogatory ; XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/XXXX, with a reported balance of {$7600.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX ), dated XX/XX/XXXX, with a balance of {$3300.00} ; XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/XXXX, with a balance of {$1000.00} ; and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/XXXX, with a balance of {$1000.00}. 

The reporting of the XXXX account is particularly problematic because it continues to appear as derogatory despite reflecting a {$0.00} balance, which is misleading and inconsistent with the account status. Likewise, XXXX XXXX, XXXX, and XXXX  are aging accounts that may fall outside the seven-year reporting window allowed under the Fair Credit Reporting Act ( FCRA ) per 15 U.S.C. 1681c ( a ), depending on the original date of delinquency. No documentation has ever been provided to substantiate these debts or confirm their accuracy. I also question the legitimacy of the recently reported XXXX  XXXX  entry, which appears on my credit report without any prior notice, billing history, or confirmation of my authorizationan occurrence that raises serious concerns about the integrity of Experians data intake process, particularly in the context of possible data breach-related misinformation. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is obligated to conduct a full, fair, and timely reinvestigation of any disputed information on a consumers credit file. Furthermore, if Experian can not verify these entries with credible, original documentation from the furnishers, it is legally required to delete them under 15 U.S.C. 1681i ( a ) ( 5 ). Simply relying on third-party furnishers or automated systems to perpetuate outdated, incomplete, or incorrect data fails to meet the standards imposed by federal law and results in unjustified harm to consumers like myself.

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 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Date of transaction XX/XX/XXXX ; Amount of transaction {$2800.00}. XXXX is a credit card processing company for small businesses. Our customer provided their credit card to purchase golf cart batteries. The transaction was processed on XX/XX/XXXX and deposited into my corporate account on XX/XX/XXXX. My customer reported the transaction as a dispute, but remembering the battery purchase contacted their bank immediately and rescinded the dispute. I was contacted by Square on XX/XX/XXXX, regarding the dispute. I provided Square - documents that were requested such as, the Name of my business, what I sell, website, social media presence, government-issued ID, government documentation for my business, etc. On XX/XX/XXXX, I was notified by square that the money would be withdrawn from my checking account ( Even though there was no longer a dispute and the customer had acknowledged that it was done in error ). On XX/XX/XXXX at XXXX, I was notified by Square that my account with them has been deactivated, and that they would no longer support my credit card processing needs and stating that Square would be holding the money for 90 days. I called Square customer service ( XXXX ) trying to explain the situation, thinking they would be able to pull the information regarding my account deactivation, but I was wrong. When I requested a supervisor or manager, I was told that a supervisor was not allowed to talk on the phone or make phone calls. Also requested to speak to someone in the Account Deactivation department, was told there was no department and that " the computer '' is the deactivation department. The Square customer service member basically read the entire email that I received earlier in the day verbatim. Square has used unlawful, unfair, deceptive, and fraudulent business practices. Square agreed to a contract where they would process CC payments for me and I agreed to pay fees per transaction. Square has now unlawfully withdrew funds from bank acct and refuses to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am writing to formally express my concerns regarding the handling of my loan application with XXXX XXXX XXXX. I began the application process on XX/XX/year>, and was disappointed to learn that my application was ultimately denied on XX/XX/year>. 
Throughout the the process, I was informed that the delay was due to difficulty reaching my wife 's employer, XXXX XXXX, in order to verify her income. Specifically, I was told that PenFed needed to verify her employment to assess my debt-to-income ratio for approval purposes. 
On XX/XX/year>, I received a call informing me that there had been trouble reaching XXXX XXXX. Then, on XX/XX/year>, I was contacted by XXXX XXXX, who advised me to obtain a written verification of employment from XXXX. I followed her instructions and provided the requested employment verification letter on XX/XX/year>. 
Despite providing this documentation promptly, I was informed on XX/XX/year>, that my application was denied due to my debt-to-credit ratio. I find this outcome frustrating, especially given that I supplied the necessary employment verification in a timely manner.

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 2025-06-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Subject : Cease and Desist Due to Failure to Validate Alleged Debt To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I previously requested validation of this alleged debt. To date, you have failed to provide proper documentation or verification as required by federal law. 

As such, you are in violation of the FDCPA, which prohibits continued collection activities until the debt has been properly validated. Your continued contact regarding this matterdespite your failure to meet your legal obligationconstitutes harassment and unlawful collection conduct. remove from all credit reporting agencies Therefore, I am demanding that XXXX XXXX XXXX immediately cease and desist all collection efforts, including phone calls, letters, emails, or any communication concerning this unvalidated debt. If you continue to pursue collection without first providing the required documentation, I will not hesitate to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the North Carolina Attorney Generals Office Pursue all available legal remedies, including monetary damages and attorney fees, under the FDCPA Let this letter serve as formal notice that you are to cease and desist all contact with me regarding this matter. All future communication, if any, must be in writing and must include complete documentation validating the alleged debt, as originally requested. 

I am keeping a record of all correspondence. You are now legally on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Subject : Cease and Desist Due to Failure to Validate Alleged Debt To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I previously requested validation of this alleged debt. To date, you have failed to provide proper documentation or verification as required by federal law. 

As such, you are in violation of the FDCPA, which prohibits continued collection activities until the debt has been properly validated. Your continued contact regarding this matterdespite your failure to meet your legal obligationconstitutes harassment and unlawful collection conduct. remove from all credit reporting agencies Therefore, I am demanding that XXXX XXXX XXXX immediately cease and desist all collection efforts, including phone calls, letters, emails, or any communication concerning this unvalidated debt. If you continue to pursue collection without first providing the required documentation, I will not hesitate to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the North Carolina Attorney Generals Office Pursue all available legal remedies, including monetary damages and attorney fees, under the FDCPA Let this letter serve as formal notice that you are to cease and desist all contact with me regarding this matter. All future communication, if any, must be in writing and must include complete documentation validating the alleged debt, as originally requested. 

I am keeping a record of all correspondence. You are now legally on notice.

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 2025-06-10 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: UT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation