vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX 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 in to be removed. 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. XXXX, XXXX XXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I'm not aware of what happened because I have no knowledge of this account. Idid n't become aware of alot of unauthorized activity until my wages were garnished as a result of a lawsuit I faced with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MD

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 befo

re 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 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 2025-04-26 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: MD

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 befo

re 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 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 2025-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-04-26 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: GA

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I sent a validation letter to them on XX/XX/year> asking them to validate XXXX different collections they are saying I owe in the amout of {$740.00} dollars I gave them XXXX  days to validate and it took longer than the XXXX  days and they also did not report my collections during this time as being disputed to the credit bureaus. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX # XXXX XX/XX/XXXX - {$4100.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - {$0.00XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$17000.00}

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 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANNER CORPORATION
State: OR

Complaint narrative:
I was contacted by Banner Bank on XX/XX/XXXX @ XXXX XXXX by email that they had disabled my online banking because of suspected fraud using XXXX that is attached to a checking account. I received a voice message from XXXX XXXX from my Banner Bank branch at XXXX asking me to call them. I called the branch and talk to XXXX verifying the transaction on my account. XXXX wanted to know what I was purchasing and who it was going to. I gave her this information. She told me that this should answer the fraud concern and call me back if there more concern. On XX/XX/XXXX @ noon I tired my online account still could not get in. Call customer service who told me that the branch had locked my online account and they could not help me. Customer service transferred me to the branch who tried to deny the call. XXXX XXXX answered the call and said she just got back from lunch. She needed time to call the fraud department and would get back to me. I asked her to put me on hold while she called the fraud department but she told me that she could not put me on hold because she only had one phone at her desk. I asked her to use another phone and she refused. XXXX said she would call back within 10 minutes. XXXX did not call back but her XXXX XXXX XXXX XXXX @ XXXXXXXX XXXX did who had not called the fraud department who started to question what I was spending my money on. I told her I had verified the transfer and I did not need to give her any more information. XXXX stated that it was policy. I asked for the policy. XXXX stated she could ask the fraud department to make a statement for me. I questioned if there was really a policy. XXXX said they would get back to me and would not give me a time frame. I called customer service again at XXXX and asked for the fraud department phone number. I called the number at XXXXXXXX XXXX but the system did not associate my phone number with and fraud activity. I called customer service again because the branch was no longer answering my calls. Customer service explained to me that the number was for debit card fraud and only could give me a email address. Customer service said they could not transfer me to the branch but would email them. XXXX XXXX called back at XXXX XXXX stating they could give me access to online banking but not XXXX. I went into the bank to start closing my accounts because of this situation. Again I asked for the policy from XXXX XXXX for the policy and when she contacted the fraud department. Her response was she does not need to share company policies nor does she need to answer my questions about communication.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: SC

Complaint narrative:
Subject : Claim ID XXXX & XXXX - Follow-Up on Investigation I am writing to follow up on my claim ( ID : XXXX, XXXX ), which was reported on XX/XX/2025. Following a call I made to report the theft of my belongings, including my phone, purse, and cards, I noticed a large transaction was taken from my account using the payanyone feature. I submitted a police report along with supporting documents to demonstrate that the email to which the money was sent does'nt belong to me nor was it authorized. Additionally, I plan to contact the media as well as the CEO of Chime, as the theft of my funds has severely impacted my financial stability. Since my money was stolen, I have been living paycheck to paycheck and currently have no way to afford an attorney. However, I intend to find legal representation that can assist me in this matter. Chime indicated that they would investigate the matter ; however, I have not received any documentation regarding the investigation process. It appears that there has not been a thorough investigation, and I am concerned about the lack of attention to this issue. I submitted a police report and supporting documents showing that the email to which the money was sent does not belong to me. I also provided evidence regarding my rent payments, which have never totaled {$7000.00}, as indicated by your company. I had hoped my account would be rectified, but it seems that my concerns are not being adequately addressed. I would appreciate any updates regarding the status of my claim and the actions being taken to resolve this matter. You can call me at XXXX or email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened 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 explanation
Consumer complaint received 2025-04-26 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: AL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON 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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
IDENTITY THEFT ACCOUNT BUSINESS ACCOUNT # XXXX PERSONAL ACCOUNT # XXXX I filled ID theft claim with Chase Bank for Personal and Business Account, Because I dont have any personal and business account with chase bank in Past and I wanted to open business a checking account with chase and chase denied me they told me that I can not open an account with them they decided part ways and i just found later on that it happens because there was an ID theft happened on my personal and business information someone opened account busines and personal checking account with chase bank using my personal and business information which was compromised and that was my actual business XXXX and business name and my personal and business address name information included my XXXX and Including my SSN was compromsied. 

I filed the Identity theft claim with FTC and police report and I sent it to chase claims department and chase claims department just denied my identity theft claim saying that personal and business identity theft claims can not reasserted and can not reopened So even I sent them all the proof I can I send them but the chase bank claims department and fraud department is not listening me and also they are not cooperating with me I am shocked and I need justice for this now I Appealed with them for the identity theft claim multiple time but they denied my claim multiple time and thats something making me aggressive because why I should be responsible for something which I never did and opened for God sake I need justice now Thats it, Thats all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts must be blocked from my credit profile. Once a report of identity theft is made. I am now exercising my right to this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of FCRA furnishers of information are prohibited from reporting such known or have reason to believe is inaccurate. The following account is erroneous and does not pertain to any debt I owe. XXXX XXXX  ACCOUNT # XXXX I DEMAND this account be deleted from my credit report IMMEDIATELY IT IS causing material harm to my credit and financial reputation. 
MY FTC REPORT # is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX due to their failure to respond to multiple goodwill adjustment requests regarding late payments reported on my credit report. 

I have written XXXXXXXX XXXX three separate times and have called their customer service department twice in an effort to request a goodwill adjustment for the removal of late payment notations. These requests were made respectfully and with the hope that XXXXXXXX XXXX would consider my history as a customer and my effort to maintain good financial standing. 

Despite my repeated attempts, XXXXXXXX XXXX has failed to respond to any of my written or verbal correspondence. This complete lack of communication is not only unprofessional but also unfair, as I have made every effort to address the matter directly and amicably. 

I am filing this complaint with the Consumer Financial Protection Bureau due to XXXX XXXX failure to respond or acknowledge my requests regarding this matter. 

I respectfully ask that the CFPB assist in compelling XXXXXXXX XXXX  to respond to my goodwill request and review the possibility of removing the reported late payments from my credit history. 

Thank you for your time and assistance. 

Sincerely, 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