vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ). I submitted formal written disputes regarding inaccurate or incomplete information on my credit report on [ insert date ( s ) of dispute submission ], and the credit bureau ( s ) have not responded or completed their investigation within the 30-day period as required by law.

Under the FCRA, credit reporting agencies are required to investigate disputes and respond within 30 days of receipt of a consumers notice of dispute. As of today, more than 30 days have passed without any communication, results of an investigation, or confirmation of reinvestigation. This failure to respond violates federal law and obstructs my ability to ensure the accuracy and fairness of my credit file.

I am requesting that the CFPB take immediate action to compel the credit bureau ( s ) to comply with FCRA requirements, complete the reinvestigation of my disputes, and provide a full response in writing. I am also requesting that the credit bureaus be held accountable for their noncompliance.

Supporting documentation is available upon request. I also submitted utility bill, ID, and SSN with my letters. on XXXXXX/XX/year>

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 2025-04-10 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: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
There was a person I thought to be a friend who was sending me a small portions of money on cash app starting in XXXX all the way up to XXXX the amount totaled up to {$640.00} and as soon as I told this person I was going to sell and move out of XXXX XXXX the day after XXXX I woke up with my money for my mortgage missing from my bank account because she disputed everything on Cash app Although I reached out to Cash App and told them if you look at the transactions and statements every time she sent the money it went right back to her immediately so why they allowed for her to take my money from my hard earned bank account so she could go do drugs is beyond me. They did not protect me. I am very upset even my bank will not refund the money because cash app says it was a true dispute, but I have everything stating the proof that it was a lie that she got my money on top of her money. I want my money back it destroyed my bank account for my XXXX it destroyed my donation link for my nonprofit XXXX to come through. My credit score dropped XXXX points because of miss payments because of all of this stuff that she took my harder money that I work very hard to get and struggle to maintain bills by myself I want my money back my credit repaired, and this girl in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-04-10 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no knowledge of this collection account on my credit report from the third party collection agency nor do they have a written agreement from myself stating that I am aware of the past due account.

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Subject : Formal Dispute and Request for Removal of Late Payment Notations Under 15 U.S.C. 1666b, 1681s-2 ( a ), and 12 CFR 1026.13 This letter constitutes a formal dispute of inaccurate and potentially unlawful late payment notations currently being reported on my consumer credit report by [ Creditor or Furnisher Name ], related to the account ending in [ Last 4 Digits ].

After reviewing my account records and applicable federal consumer protection statutes, I have reason to believe that the late payment entries reporte
d to consumer reporting agencies are not only factually inaccurate but also legally unenforceable, based on violations of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ).

1. Violation of 15 U.S.C. 1666b Failure to Provide Minimum Grace Period for Payment Under 15 U.S.C. 1666b, creditors must ensure that any credit card statement reflecting a balance is sent at least 21 days before the payment due date. If the statement was not delivered within this window, any late fee assessment or negative credit reporting tied to that statement may be unlawful.

It is unclear whether the required statement timing standard was met in the billing cycles associated with the reported late payments. If the creditor failed to comply with the minimum 21-day advance notice requirement, any related delinquency reporting is legally defective and should be deleted immediately.

2. Violation of 12 CFR 1026.13 Billing Error Dispute Rights Pursuant to 12 CFR 1026.13, consumers have the right to dispute billing errors in writing within 60 days of the first appearance of the error on their periodic statement. Upon receiving a proper dispute, the creditor must : Acknowledge the dispute within 30 days, and Resolve or investigate it within 90 days ( or two billing cycles ).

If the creditor failed to properly respond to any disputes I raised in writing concerning incorrect due dates, misapplied payments, or system errors, then continued reporting of a late payment is in violation of Regulation Z and must be removed.

3. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Obligation to Report Accurate Information As required by 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), any information furnished to a consumer reporting agency must be complete and accurate. This statutory obligation includes late payment reporting.

If a late payment was reported due to : Misapplied payments ; Failure to honor the 21-day notice ; System, communication, or mailing errors ; or A pending billing dispute under TILA, Then the furnisher is in violation of their statutory duty and must immediately correct or delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute because the personal information listed on my credit report is inaccurate. I request a thorough investigation and immediate correction. The information does not belong to me and may be the result of a reporting error or possible identity mix-up. Please update my credit file accordingly and confirm the changes in writing. Thank you.

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 2025-04-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Request for Removal of Late Payment Notations Under 15 U.S.C. 1666b, 1681s-2 ( a ), and 12 CFR 1026.13 This letter constitutes a formal dispute of inaccurate and potentially unlawful late payment notations currently being reported on my consumer credit report by [ Creditor or Furnisher Name ], related to the account ending in [ Last 4 Digits ]. 
After reviewing my account records and applicable federal consumer protection statutes, I have reason to believe that the late payment entries reported to consumer reporting agencies are not only factually inaccurate but also legally unenforceable, based on violations of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). 
1. Violation of 15 U.S.C. 1666b Failure to Provide Minimum Grace Period for Payment Under 15 U.S.C. 1666b, creditors must ensure that any credit card statement reflecting a balance is sent at least 21 days before the payment due date. If the statement was not delivered within this window, any late fee assessment or negative credit reporting tied to that statement may be unlawful.

It is unclear whether the required statement timing standard was met in the billing cycles associated with the reported late payments. If the creditor failed to comply with the minimum 21-day advance notice requirement, any related delinquency reporting is legally defective and should be deleted immediately.

2. Violation of 12 CFR 1026.13 Billing Error Dispute Rights Pursuant to 12 CFR 1026.13, consumers have the right to dispute billing errors in writing within 60 days of the first appearance of the error on their periodic statement. Upon receiving a proper dispute, the creditor must : Acknowledge the dispute within 30 days, and Resolve or investigate it within 90 days ( or two billing cycles ). 
If the creditor failed to properly respond to any disputes I raised in writing concerning incorrect due dates, misapplied payments, or system errors, then continued reporting of a late payment is in violation of Regulation Z and must be removed. 

3. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Obligation to Report Accurate Information As required by 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), any information furnished to a consumer reporting agency must be complete and accurate. This statutory obligation includes late payment reporting.

If a late payment was reported due to : Misapplied payments ; Failure to honor the 21-day notice ; System, communication, or mailing errors ; or A pending billing dispute under TILA, Then the furnisher is in violation of their statutory duty and must immediately correct or delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Request for Removal of Late Payment Notations Under 15 U.S.C. 1666b, 1681s-2 ( a ), and 12 CFR 1026.13 This letter constitutes a formal dispute of inaccurate and potentially unlawful late payment notations currently being reported on my consumer credit report by [ Creditor or Furnisher Name ], related to the account ending in [ Last 4 Digits ].

After reviewing my account records and applicable federal consumer protection statutes, I have reason to believe that the late payment entries reported to consumer reporting agencies are not only factually inaccurate but also legally unenforceable, based on violations of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ).

1. Violation of 15 U.S.C. 1666b Failure to Provide Minimum Grace Period for Payment Under 15 U.S.C. 1666b, creditors must ensure that any credit card statement reflecting a balance is sent at least 21 days before the payment due date. If the statement was not delivered within this window, any late fee assessment or negative credit reporting tied to that statement may be unlawful.

It is unclear whether the required statement timing standard was met in the billing cycles associated with the reported late payments. If the creditor failed to comply with the minimum 21-day advance notice requirement, any related delinquency reporting is legally defective and should be deleted immediately.

2. Violation of 12 CFR 1026.13 Billing Error Dispute Rights Pursuant to 12 CFR 1026.13, consumers have the right to dispute billing errors in writing within 60 days of the first appearance of the error on their periodic statement. Upon receiving a proper dispute, the creditor must : Acknowledge the dispute within 30 days, and Resolve or investigate it within 90 days ( or two billing cycles ).

If the creditor failed to properly respond to any disputes I raised in writing concerning incorrect due dates, misapplied payments, or system errors, then continued reporting of a late payment is in violation of Regulation Z and must be removed.

3. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Obligation to Report Accurate Information As required by 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), any information furnished to a consumer reporting agency must be complete and accurate. This statutory obligation includes late payment reporting.

If a late payment was reported due to : Misapplied payments ; Failure to honor the 21-day notice ; System, communication, or mailing errors ; or A pending billing dispute under TILA, Then the furnisher is in violation of their statutory duty and must immediately correct or delete the entry.

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 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am the victim of identity theft, and there is a fraudulent account that is being reported on my TransUnion credit report. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX I did not open or authorize this account. I have never had any relationship with this creditor. I discovered this account while reviewing my credit report, and it has negatively impacted my credit standing. I have filed an identity theft report through the Federal Trade Commission ( FTC ) under case number XXXX, and I have submitted this report, along with a police report, proof of identity, and proof of address, to TransUnion requesting removal of the account in accordance with FCRA 605B. 

Despite providing the required documentation, the account remains on my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that TransUnion properly suppresses or deletes this fraudulent account from my credit file. 

Under the FCRA, once I provide a valid identity theft report, the consumer reporting agency is obligated to block the fraudulent information from appearing in my file. TransUnion has failed to fulfill its legal obligations in this matter, and I am asking for your assistance to ensure this matter is corrected promptly.

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 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
Sent letter to Cavalry Portfolio Services they have 2 different amount at experian and XXXX, late payments are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Back in XXXX, I applied with Members XXXX XXXX XXXX XXXX to pay off a HELOC I had at M & T Bank. During the application process, XXXX identified that there were XXXX XXXX mortgages showing as unsatisfied when they pulled the title search. I contacted M & T because XXXX merged with M & T. M & T provided me with a letter stating that the mortgages were paid off. I have since misplaced the letter In XX/XX/XXXX, I put in an application to refinance my HELOC with XXXX. M & T Bank has still not satisfied the XXXX mortgages, and I had to contact them again to ask for proof that the mortgages are paid off. They are asking me to provide them with the title search and copies of the mortgages ( see attached email ). They should have all the information they need to satisfy these mortgages, and the fact that they have let this sit out there for 10 years is unacceptable. I had to pay money to get copies of the mortgages ; however, they are completely complicit in the fact that these mortgages were not satisfied when I originally requested the information. I have attached the mortgages for your review. I should not have to pay anything to get these mortgages satisfied. Because they haven't satisfied the mortgages, it would make things complicated if I wanted to sell my house, possibly causing me to lose the sale of my house.

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