vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: NY

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 2025-03-31 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
According to 15 U.S.C. 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights

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 2025-03-31 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: GA

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-31 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-03-31 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Account # : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and Transunion have illegally recorded late payments on my credit report, which I always make on time, thereby violating the law and harming my integrity as a person in society. 

by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report 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 XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2025-03-31 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: NY

Complaint narrative:
Account # : XXXX XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX have illegally recorded late payments on my credit report, which I always make on time, thereby violating the law and harming my integrity as a person in society. 

by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report 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 XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I received several emails today XX/XX/XXXX from experian. It was clear someone had opened an account/membership with my email address, name and phone number. There was no link to report the email as fraud. I attempted to call Experian at XXXX. There is no way to speak with an agent, and their computer attendant will not do anything because I do not have an account with them.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Dear CFPB and Citi, I am filing a complaint regarding a missing cashback offer on my Citi XXXX XXXX XXXX ending in XXXX. 

On XX/XX/2025, I enrolled in the " Earn 12 % Back ( up to {$30.00} ) at XXXX XXXX '' offer before making a purchase ( attached screenshot as proof ). I then made a {$410.00} purchase at XXXX XXXX on XX/XX/2025. However, as of XX/XX/2025, the offer has disappeared from my offer list, does not appear under redeemed offers, and I have not received the {$30.00} cashback. 

I contacted Citi customer service on XX/XX/2025, but the agents were unable to assist or provide any resolution. I request an investigation into this issue, specifically reviewing the backend offer activity logs to verify my enrollment and eligibility for the cashback. 

Several other credit cards offer similar XXXX XXXX promotions, and I would not have used my Citi card for this purchase if I had not successfully enrolled in the offer. I expect Citi to honor the 12 % cashback as originally promised. 

I appreciate your prompt attention to this matter. 

Best regards,

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 monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
My XXXX XXXX states that I am in debt {$1100.00} from Central portfolio control. It says I opened an ancocunt in XX/XX/XXXX of 2024. I do not recall opening any accounts or any banks anything in that nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding a 30-day late payment reported by Toyota Financial Services ( TFS ) in XX/XX/XXXX. During this billing cycle, I submitted my payment as scheduled, but it failed and I received no email notification from TFS informing me that the payment had failed. 

I later discovered that TFS conducted a payment system migration on the day after my due date. I have email correspondence from TFS confirming this timeline, as well as a consistent pattern of automated email alerts both before and after this migration. The only exception is this specific billing cycle where no failed payment notification was received. 

I have attached screenshots that show : Consistent email alerts from TFS for failed/returned payments in billing cycles before the late payment ; No email alert received during the billing cycle in question ; Resumption of alerts after the migration, confirming that the email system was restored ; An official email from TFS dated XX/XX/XXXX announcing the system migration, which was scheduled for XX/XX/XXXX, the day after the payment due date. 

These attachments demonstrate a clear break in expected communication, directly coinciding with a known system transition. I did not realize the payment had failed until well after the due date, and I brought the account current as soon as I became aware of the issue. 

I contacted TFS and submitted a XXXX  complaint, requesting a goodwill adjustment for the late mark. TFS responded that notifications were sent but my email logs and attached screenshots prove otherwise. I am therefore requesting the CFPBs assistance in encouraging TFS to remove the late mark from my credit reports as a goodwill correction, based on a documented failure in communication during a system change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I previously submitted complaint XXXX about Goldman Sachs Bank USA The core of my complaint was that the bank locked my account without notice to me, has not given me any way to promptly unlock the account following my discovery of the problem and my efforts to contact the bank about it, nor has the bank provided ANY information about reason the account was locked, the nature of the bank 's internal review process for unlocking the account or how long said process will take. 

In its response to my previous complaint, the bank claimed that the problem was that I had failed to return a necessary affidavit. On this basis, the CFPB closed my complaint even thought I never received any affidavit from the bank. 

I, therefore, have a new complaint about the locked account. When I called the bank today about affidavit, the representative would not tell me if any affidavit had been sent to me, if the affidavit would even solve the problem, or if there might by ANY other way to solve the problem. She would say only that the account was under review. The account has already been locked for XXXX weeks since I first contacted the bank about it. That amount of time should be more than adequate for the bank to resolve any issue. 

If the affidavit is not now ( nor never was ) the solution to the problem, then the bank 's previous response to me was disingenuous and the matter should be reopened and reexamined until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I became a victim of identity theft and fraud shortly after entering my personal information, SS #, address, DL number, Business Banking routing and account number to begin working for XXXX as a " XXXX '' and renting a car thru XXXX XXXX - XXXX and XXXX in XX/XX/XXXX. XXXX stop depositing EARNINGs into my XXXX XXXX account every Monday in or about XXXX of XXXX, and I began first using my XXXX debit card for the weekly rental thru XXXX XXXX XX/XX/XXXX. I received my XXXX  card and presented this CREDIT card to be used INSTEAD of my DEBIT CARD to XXXX XXXX first XXXX XXXX XXXX XXXX be charge per the XXXX contract every Wednesday XXXX XXXX EST of {$320.00}. Somehow on XX/XX/XXXX, XXXX turned off my XXXX Driver capabilities due to NON-PAYMENT of the weekly rental and I presented another card on the XXXX, however CAPITAL ONE allowed {$1300.00} in XX/XX/XXXX, and {$290.00} that was credited, but also disputed. After paying {$1000.00} on card in XX/XX/XXXX, they added the charges back with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I'm writing to formally notify you that I'm a victim of a data breach that has compromised my personal and financial information. As a result I'm requesting that all accounts and inquiries associated with my information be blocked and deleted pursuant 15 U.S.C 1681C-2 ( a ), which protects consumers in cases of identity theft and data breach. The breach had led to the inclusion of accounts that do not belong to me. Therefore, I'am exercising my rights under the fair credit act and requesting that the affected accounts be blocked and deleted from your records effected accounts and inquiries XXXX open XXXX XXXX balance {$980.00}, XXXX XXXX opened XX/XX/XXXX balance {$280.00}, XXXX XXXX open XX/XX/XXXX, balance {$710.00}, XXXX XXXX opened XX/XX/XXXX balance {$530.00} XXXX opened XX/XX/XXXX balance {$530.00} inquiries XXXX XXXXXXXX XXXX ) XXXX, XXXX ( FINANCE ) XXXX, XXXX XXXX ( AUTO ) XXXX. Please block and delete this information as it is effecting me from been able to get a home loan.

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 2025-03-31 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: CA

Complaint narrative:
I'm writing to formally notify you that I'm a victim of a data breach that has compromised my personal and financial information. As a result I'm requesting that all accounts and inquiries associated with my information be blocked and deleted pursuant 15 U.S.C 1681C-2 ( a ), which protects consumers in cases of identity theft and data breach. The breach had led to the inclusion of accounts that do not belong to me. Therefore, I'am exercising my rights under the fair credit act and requesting that the affected accounts be blocked and deleted from your records effected accounts and inquiries XXXX open XXXX XXXX balance {$980.00}, XXXX XXXX opened XX/XX/XXXX balance {$280.00}, XXXX XXXX open XX/XX/XXXX, balance {$710.00}, XXXX XXXX opened XX/XX/XXXX balance {$530.00} XXXX opened XX/XX/XXXX balance {$530.00} inquiries XXXX XXXXXXXX XXXX ) XXXX, XXXX ( FINANCE ) XXXX, XXXX XXXX ( AUTO ) XXXX. Please block and delete this information as it is effecting me from been able to get a home loan.

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
This should not be on my credit report, I paid this debt, I spoke to one of the representative that if I pay this this will be deleted in my credit report but still in all my report, please delete this immediately

Company response to consumer: Closed with explanation