vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well FOR 10 Months, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryEquifax has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Equifax to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). 
The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX SENT Request for Investigation and Removal of Accounts Reported in Error XX/XX/XXXX SENT Request for Detailed Verification and Reinvestigation of Accounts XX/XX/XXXX SENT NOI Letter XX/XX/XXXX SENT Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft XX/XX/XXXX SENT Formal Complaint Regarding FCRA and NY XXXX Noncompliance XX/XX/XXXX SENT FCRA Section 609 ( a ) ( 1 ) ( A ) Request for Verifiable, Validated Proof XX/XX/XXXX SENT Formal Demand for Statutory Compliance Following Account Dispute Pursuant to FCRA 1681i, 1681e ( b ), 1681n, and 1681o XX/XX/XXXX SENT Legal Demand for Deletion FCRA Violations and Identity Theft Dispute These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Equifax has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. 
Equifaxs continued reporting of the XXXX XXXX accounts after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-03 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
XXXX unauthorized hard inquiries from Citibank North America ( CBNA ) appeared on my XXXX  credit file on XX/XX/XXXX and XX/XX/XXXX. I never applied for credit with CBNA, nor did I authorize these pulls. 

I filed a dispute with Equifax ( Confirmation # XXXX ) and submitted an FTC Fraud Report and Identity Theft Report. Equifax responded that inquiries are a factual record of file access, but failed to provide proof of permissible purpose under FCRA 604, nor did they honor their duty to block identity theftrelated information under FCRA 605B.

XXXX  is knowingly continuing to report fraudulent inquiries despite being in possession of legally sufficient identity theft documentation. This is willful noncompliance with the FCRA, and I am requesting immediate deletion of these inquiries and corrective action.

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 2025-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Unlawful Foreclosure without authority and no notice of appearance, filed with a court of record. I am the original creditor on the alleged loan. see 18 USC 894

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: SC

Complaint narrative:
They called me, XXXX XXXX, looking for XXXX XXXX, my wife, on Tuesday XX/XX/year> on my cellphone while I was at work and I took a message for XXXX to return a call to XXXX XXXX at Omnipoint. So when I got home XXXX was still doing her at home training for her new job so I looked up Omnipoint and found that it was a debt collector so I set up her account adding her phone number so they wouldnt be calling me while Im working. By Friday, 3 days later, they called me again while I was at work. This is very frustrating because they have her number and neglected to check her account and are harassing me to get her to call. I have XXXX, XXXX XXXXXXXX and XXXX issues and all I can do is to tell her to call. I can not make her. Besides she is working and has two XXXX XXXX every day that she is doing until XXXX. They talked to me and didnt give the adequate time for her to return the call. so on Saturday I called them back and told them to stop harassing me. Verbally gave them her phone number and told them they broke the 777 rule. that rule does apply when youre speaking to a spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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 am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent account that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law. Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Wallace Management Company, LLC
State: MO

Complaint narrative:
Empire Finance of XXXX is inaccurately reporting my account on XXXX. The account was closed and charged off around XX/XX/XXXX, but the company continues to report new late/derogatory payments in XXXX and XXXX after the charge-off date. This is misleading and inaccurate under the Fair Credit Reporting Act, because once an account is charged off, it should not continue to show ongoing monthly delinquencies. 

In addition, this account only appears on Equifax and not on TransUnion or Experian, which creates inconsistent and incomplete reporting. 

I am requesting that Empire Finance correct this tradeline by removing the postcharge-off late/derogatory marks and ensuring the account is accurately reflected. If the company is unable or unwilling to correct the reporting accurately, I request deletion of the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I want to address recent correspondence from Experian and TransUnion indicating that my prior dispute may not have been submitted by me. To be absolutely clear : I am the sole consumer involvedthis is not a third-party submission. I have not authorized any third-party, credit repair service , or outside representative to act on my behalf. All communications regarding my credit file come directly from me. During a routine credit report review, I discovered multiple inaccuracies that do not reflect my credit history or personal identity. These require immediate investigation and correction to ensure accuracy and compliance with federal law. 

Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Correct Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX I have never lived at or been associated with the XXXX address. Per FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( XXXX ) ], I have the right to know and verify what identifying information is reported about me. I request its permanent removal to avoid confusion or identity mix-up. 

Account : XXXX XXXX XXXX XXXX Balance : XXXX Reported Payments : Late from XX/XX/XXXX through XX/XX/XXXX A closed account with a {$0.00} balance should not continue to report late payments. This contradicts : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] ( accuracy requirements ) FCRA 623 ( a ) ( 2 ) ( furnishers must update inaccurate info ) FCRA 611 ( right to dispute and obtain timely investigation ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Each is listed as a charge-off, yet no IRS Form 1099-C has been issued. If a debt of {$600.00} or more is forgiven, a 1099-C is required. Without it, the debt may remain collectible, and continuing to report charge-off status may be misleading. This potentially violates : FCRA 623 ( a ) ( 1 ) ( A ) ( reporting accurate, complete info ) FCRA 611 ( a ) ( right to dispute, with investigation in 30 days ) Agency : XXXX Original Creditor : XXXX XXXX XXXX : XXXX I have received no validation or contact regarding this debt. Per FDCPA 809 ( right to debt validation ), FDCPA 807 ( prohibition of misleading representations ), and FCRA 609 ( a ) ( 1 ) ( right to full file disclosure ), this item must be validated or deleted. 


E. Unauthorized Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX I did not apply for any credit product with these organizations. Per FCRA 604 ( a ) ( 3 ) ( permissible purpose requirement ), FCRA 616 ( liability for willful violations ), and FCRA 611 ( a ) ( dispute rights ), these inquiries should be removed unless verifiable documentation of my consent is provided.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a payment to my Wells Fargo Credit Card in the amount of {$1800.00}. The post date on the statement was XX/XX/XXXX. They applied the payment to a balance that has a XXXX percent interest rate, balance of {$2900.00} at the time, as opposed to applying it to the balance with the highest interest rate of 29.99 %, balance of {$1700.00} at the time ( see XXXX XXXX of attachment ). On XXXX XXXX of the attachment you will see that the XXXX interest rate balance is now {$1100.00} and the 29.99 % interest rate balance is {$2200.00} because the payment was not applied properly!!! 

This is illegal practices according to the Credit Card Accountability Responsibility and XXXX XXXX of XXXX. 

I called Wells Fargo on XX/XX/XXXX to inquire about this and their answer was the payment was applied to a prior balance. Regardless of a prior balance a payment should be applied to the balance with the highest interest rate. There was no resolution 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 2025-09-03 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: NJ

Complaint narrative:
This is a serious and urgent complaint that requires your immediate attention. My credit report contains inaccurate information that is plainly unacceptable and does not meet the required standard of maximum possible accuracy. These errors are not minorthey are causing real and ongoing harm to my life and financial wellbeing.

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 2025-09-03 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: MS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-03 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: MS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NV

Complaint narrative:
XXXX submitting this complaint against Equifax and TransUnion because both agencies are reporting inaccurate information on my credit report. I mailed all required documents on XX/XX/XXXX, via certified XXXX mail and have proof of delivery and contents. 

Here are the specific issues : XXXX. XXXX XXXX XXXX is reporting a XXXX late payment in XX/XX/XXXX on both Equifax and TransUnion. This is inaccurate. I have proof that the account was paid on time and closed in good standing. I also received an official letter from XXXX confirming this, which was submitted to both bureaus. 
XXXX. Equifax is also reporting a collection account from XXXX XXXX XXXX, which I do not recognize and have never signed any agreement with. I submitted a police report and an identity theft affidavit to support my dispute. 

Despite my complete documentation, the agencies responded : TransUnion sent only a generic summary of rights without resolving anything. 
Equifax is asking again for documents I already submitted, including my SSN and proof of address. 

I respectfully ask the CFPB to enforce the following actions : Immediately correct the false XXXX late payment reporting in both Equifax and TransUnion. 
Delete the false XXXX XXXX collection from Equifax, as it is not mine and identity theft documents were submitted. 
Ensure both agencies comply with the Fair Credit Reporting Act ( FCRA ) and handle disputes thoroughly and lawfully. 

XXXX XXXX to upload supporting documents including : Dispute letters XXXX XXXX XXXX official letter Equifax and TransUnion credit reports showing the errors Social Security XXXX copy XXXX XXXX mail receipts Police report Payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I am disputing a collection account being reported by Transworld Systems Inc. in the amount of {$160.00}, which appears on XXXX XXXX XXXX  credit reports. 

I sent a validation request under the FDCPA, but Transworld Systems failed to provide competent validation, such as a signed agreement, itemization, or chain of assignment. Instead, they continue to verify and report the account, which is not legally compliant.

This constitutes inaccurate and unverifiable reporting under the FCRA ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi on XX/XX/2018 I deposited a 3rd party check in the amount of {$2700.00} Through the ATM machine. Chase closed my account right afterwards. More than XXXX  years past since then and they're still keeping the money, the payee never complained anything against the check. 
We have tried to resolve this matter with Chase many times over the years but to no avail Thank yo

Company response to consumer: Closed with explanation