vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: TX

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 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to dispute a fraudulent account that has been wrongly included in my credit report. I have no connection to this account, and I never authorized, opened, or managed it. Its reporting is factually false and is unfairly damaging my credit profile.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems has been contacting my employer about an alleged debt with XXXX. 



They sent text messages directly to my supervisor disclosing that it was about debt collection, and my supervisor also indicated that she has been receiving phone calls from this company regarding the debt. 



These actions are clear violations of the Fair Debt Collection Practices Act ( FDCPA ) : XXXX ( b ) Prohibiting communication with third parties about a debt XXXX Prohibiting harassment and repeated calls XXXX Prohibiting unfair or abusive practices Because of these contacts, my private financial business was disclosed to my boss, causing me embarrassment, anxiety, and emotional distress at my workplace. I have screenshots and dates of the texts and can provide further documentation of the calls if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MD

Complaint narrative:
Between XXXX XXXX XXXX, Discover repeatedly altered the credit reporting status of my account in ways that are inconsistent and misleading. First, a remark was added that the account was disputed. Then, both the dispute and charged-off status were removed. Finally, the charged-off status was re-added without explanation. 

This pattern demonstrates stalling, confusion, and potentially retaliatory reporting rather than resolution. It follows XXXX prior CFPB complaints I have already filed regarding this same account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This filing is now my XXXX CFPB complaint against Discover regarding this matter. It is also cross-referenced in my active complaints with the Maryland Attorney General and Maryland XXXX XXXX. 

Given the repeated stalling and inconsistent credit reporting, I respectfully request that this complaint be escalated to a CFPB supervisor for direct oversight and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report from Equifax, Experian, and Transunion and I noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-26 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: GA

Complaint narrative:
I've recently received a copy of my credit report from Equifax, Experian, and Transunion and I noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed unauthorized charges on my XXXX  account from XXXX totaling {$250.00}. I never opened a XXXX account, nor did I authorize these transactions. 

I immediately filed a dispute with XXXX  on XX/XX/XXXX. However, XXXX  denied the case, categorizing it as a gambling transaction. This is incorrect this was not a valid gambling purchase, but fraudulent use of my payment information. 

Afterward, I contacted XXXX directly. They confirmed in writing that no account exists under my name or personal information. I have provided a picture of the email I recieved from them confirming this. Which proves that the charges could not have been authorized by me. 

I am requesting that XXXX  reclassify this matter as fraud/identity theft and refund the disputed transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting an investigation of the inaccurate reporting of a bankruptcy on my credit reports. These entries are incorrect with all bureaus. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ), remove or correct inaccurate/incomplete information upon dispute ( 15 U.S.C. 1681i ), and may not report bankruptcies beyond 10 years ( 15 U.S.C. 1681c ). I have a right to accurate and fair credit reporting.

I have disputed this matter directly with the credit bureaus, but they have failed to provide proper verification or remove the entry. This violation is causing harm to my credit and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
Git an email about XXXX accounts from XXXX XXXX XXXX for XXXX accounts from a Cash Store. XXXX was for XXXX the other XXXX. I never had loans from a cash store. So I went online to check it out. Didn't think much of it and went ahead and set up payments for XXXX. After I did and seen the second one I thought something wasn't right. So I stopped payments and went back to my email and requested the information. They told me I had already set up payments. I told them I stopped payments and wanted the information. By law they have to give it to me. After that they have not responded to any email. Now if I login to the website it pops up but cant access the accounts. But they are still there. Its shows XXXX accounts from XX/XX/year> as charge offs. I believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CITIBANK CLOSED MY ACCOUNT AND I DONT EVEN KNOW WHATS GOING ON. I CALLED AND WENT TO BANK AND NO ONE IS GIVING NO INFORMATION. I CANT EVEN WITHDRAW FUNDS THAT ARE USED TO PAY BILLS.

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 2025-08-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have two complaints XXXX. Not able to speak with a representative at all. 
XXXX. They cant explain the major drop in my score and why it takes so long to bring up again. I use credit it drastically goes down and even after paying it back it takes longer to go back up.

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 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I recently had my mortgage servicing transferred to Lakeview LoanCare ( Loan Number : XXXX ). Before the transfer, I made four ( 4 ) XXXXXXXX payments to my prior servicer totaling {$100000.00} : {$19000.00} on XX/XX/year> {$23000.00} on XX/XX/year> {$10000.00} on XX/XX/year> {$51000.00} on XX/XX/year> These payments cleared my bank and are reflected on my prior servicers ( XXXX XXXX XXXX  ) statements. However, Lakeview LoanCare has not credited these funds to my account after the transfer. My balance is incorrect, and these payments appear to be missing.

I have called Lakeview LoanCare numerous times. Each time I was told to wait a certain number of business days, but after weeks of repeating this process, no resolution has been provided. They continue to delay without giving me a clear answer or correcting the error. 

This is a serious mortgage servicing error under RESPA.

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 2025-08-26 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: WA

Complaint narrative:
XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX ODE - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX ODE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: WA

Complaint narrative:
XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX ODE - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX ODE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/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 2025-08-26 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: TX

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am filing this complaint against Equifax for failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

For more than XXXX years, I have disputed an account reported by XXXX XXXX XXXX ( Reference # : XXXX, originally XXXX XXXX XXXX XXXX, Account # : XXXX, Balance : {$620.00} ). Despite my repeated disputes, Equifax has not provided me with any meaningful proof that this account actually belongs to me. 

On multiple occasions, I have provided Equifax with copies of my government-issued identification, Social Security card , and a current utility bill to verify my identity and address. I have submitted these documents multiple times to ensure that Equifax had everything required to process my dispute. 

However, Equifax continues to send me the same form letter claiming that it can not locate a credit file with the identification information provided. Most recently, I received XXXX nearly identical letters from Equifax, XXXX dated XX/XX/year>, and another dated XX/XX/year>, both making the same statement despite the fact that I had already submitted all the documents they requested. 

This repeated response is not a reinvestigation. Instead, it is a stall tactic that violates the FCRA. Equifax is refusing to process my dispute in good faith, while continuing to report the XXXX XXXX account on my credit file. 

As a direct result of XXXX failure to properly investigate, my credit score has dropped, and I am continuing to suffer financial harm and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: KS

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been wrongly included in my credit report. I never authorized or opened this account, nor do I have any association with it. Its reporting is erroneous and harmful to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-26 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: AL

Complaint narrative:
The creditor is reporting an account to the credit bureaus without providing proper documentation to verify the accuracy and legitimacy of the information. I formally requested validation of the account under applicable federal laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) for accuracy of reporting, the Truth in Lending Act ( 15 U.S.C. 1666b ) for proper application of payments, and the Knowledge of the Identity of the Lender Act ( KILA ) for disclosure of creditor identity and loan ownership. To date, they have not provided the requested documentation or verification.

Company response to consumer: Closed with non-monetary relief