vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: MD

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 5 ) of the Fair Credit Reporting Act, I am demanding an immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries currently being reported. The item ( s ) in question, specifically a charged-off account and any connected collections or inquiries, are either inaccurately reported, unverifiable, or no longer valid.

Furthermore, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain maximum possible accuracy in the information they report. If the information you are furnishing can not be verified as accurate and complete, it must be permanently removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-04-07 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
In XXXX a credit account for XXXX XXXX XXXX XXXXXXXX was linked to my name and reported that I owed {$12000.00} plus when I have never lived at this property and it is in fact a fraudulent account thats Ive been trying to get removed because of so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
During the covid years my mortgage company withn me being XXXX had offered me a Unemployment Deffered program which i never heard about ... .after going thru the process i had asked numerous times bout later having to catch up or pay back. Of course they made it seems as if it would be no problem i had many opptions once got myself back on my feet. Well now were here program over im now retired with roommates and apply to pay monthly payments with no problems. 
They had me apply for a MODIFICATION for the back pay and after not even asking for my income of finances have denied me the option to Modify and now my balance is getting higher and higher each month. I had payment to give to start payment program then find out I need to pay almost all of back pay before even quailty for payment plan.This has totally left me worried about losing my home after 25years, and have the ability to pay monthly payments with no problem. 
I feel as if got me in this situation with no options to pay back. I have over XXXX XXXX in equity still in my home and i dont see the Investor losing out on my home if were to approve my modification. 


Sincerely, Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX  requested debt validation with no response then was able to call and didn't get proof so i mailed in cease and desist letter in which i still got calls. 

In addition, I draw your attention to the recent case XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which directly addresses the obligation of creditors and debt collectors under the FCRA. In this case, the court ruled that when a debt collector reports information that can not be properly verified or substantiated, they are in violation of the FCRA and liable for damage caused to the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the XXXX, XXXX, and Transunion data breach, which makes me worry about my personal data 's security.

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 2025-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the XXXX, XXXX, and Transunion data breach, which makes me worry about my personal data 's security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
I'm filing a complaint because my creditor is reporting late payments on my account ending in the XXXX that are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper renovation or documentation under XXXX XXXX XXXX XXXX XXXX furnitures must report accurate information under XXXX XXXX XXXX I the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.

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 2025-04-07 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXXXXXX credit report is all FAKE. FAKE accounts that are NOT MINE. 

I do not have an account with Capital One Bank USA NA ; & is a fake company. No signed agreement by me. CHARGE OFF {$600.00} IS NOT MINE. 

I do not have an account with XXXX XXXX XXXX XXXX XXXX 

Delete all inquiries =they are not legitimate and not for a purpose. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My name is : XXXX XXXX XXXX. 

XXXX IS ILLEGITIMATE & ARE SCAMMERS & destroyed my credit for over a year..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX  requested debt validation with no response then was able to call and didn't get proof so i mailed in cease and desist letter in which i still got calls. 

In addition, I draw your attention to the recent case XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which directly addresses the obligation of creditors and debt collectors under the FCRA. In this case, the court ruled that when a debt collector reports information that can not be properly verified or substantiated, they are in violation of the FCRA and liable for damage caused to the consumer

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Called wells fargo to dispute a charge with XXXX XXXX due to XXXX XXXX. They lied and said i couldn't dispute it on the card because I had an XXXX. They violated my consumer protection rights. XXXX the manager with wells fargo also refused to give me any id to send in the complaint and told me I had to probably sue her to get it.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
At this time I am not disputing, I am requesting information as shown in the documents sent to the creditors that are attached. I look forward to the creditors providing the exact information I have requested within the legal time frame.

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 2025-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I have gotten a copy of my consumer report and notice that i have some inquires that have no permissible purpose, without my consent Im asking that TransUnion and Equifax Remove this inquires ASAP thats In a result of a data breach or Id theft XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Im recently shopping for a home for me and my family and this is holding my process up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
To Whom It May Concern, I am Writing to formally dispute and demand the immediate removal of the following fraudulent accounts from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts have been identified as a result of this breach...

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 2025-04-07 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: SC

Complaint narrative:
I filed a dispute with this company called XXXX XXXX I informed them at Equifax that they never sent me a 1099 or collections and they refuse to remove it off my credit report they claimed it didnt investigation and investigation was accurate when it was not accurate so I would like for you to have them remove it off my credit report because the company never sent me a 1099 for collections and a charger off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I discovered multiple accounts on my credit report that I did not open or authorize. These accounts were created using my personal information without my knowledge, and I have since filed an identity theft report with the FTC. After reviewing my credit report, I identified five fraudulent accounts with high balances, late payments, and charge-offs all of which are negatively impacting my credit.

I contacted the companies involved and have begun the formal dispute process. I have also submitted the appropriate documents, including the FTC Identity Theft Report and my ID, to the credit reporting agencies. I am requesting that these fraudulent accounts be removed from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B.

This experience has caused me serious financial and emotional stress, and I am trying to recover my credit standing as quickly as possible.

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 2025-04-07 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate Account Name : XXXXXXXX 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 2025-04-07 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate Account Name : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief