vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: MA

Complaint narrative:
Update XXXX XXXXccount for XXXX. Account has been fully settled. Experian refuses to acknowledge nor explain their " investigative '' protocols. Civil litigation pending

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 2025-05-18 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: AL

Complaint narrative:
Upon reviewing my consumer reports, I noticed multiple entries indicating late payments on my XXXX XXXX XXXX account ( Acct # XXXX ). This came as a shock, as I have consistently made my payments on time and have taken great care to uphold my financial responsibilities. 

The accuracy of the information reported by Consumer Reporting Agencies is critical to a consumer 's financial reputation and opportunities. Reporting errors can unfairly damage a consumers credit profile, and unfortunately, these late payment entries are doing just that in my case. They have negatively affected my credit score and, by extension, my ability to access fair financial products and terms.

Additionally, Ive identified conflicting payment dates across the three major credit bureaus for this same account. These discrepancies further indicate potential inaccuracies in how my payment history is being reported, and they raise concerns about the reliability of the data provided. 

I request a detailed investigation into these discrepancies and ask that you provide supporting documentation, such as account statements, to substantiate the reported late payments. If proof can not be provided I demand these payments to be updated to on-time as they should be as I was NEVER late. 

As a consumer who has upheld all obligations and made timely payments, I expect these inaccuracies to be corrected swiftly. I appreciate your prompt attention to this matter and look forward to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
CFPB Complaint TransUnion, Equifax and XXXX XXXX XXXXXXXX XXXX Summary of the Issue : I am submitting this formal complaint regarding the inaccurate and inconsistent reporting of late payments on my credit file associated with XXXX XXXX  XXXX XXXX, as reflected in data furnished by TransUnion. 

Over the past XXXX months, the number of reported late payments on this account has fluctuated drastically across different dates and report pulls. The discrepancies are outlined below : XX/XX/year> : XXXX late payments reported XX/XX/year> : XXXX late payments reported XX/XX/year> : XXXX late payments reported XX/XX/year> : XXXX late payments reported XX/XX/year> : XXXX late payments reported XX/XX/year> : XXXX late payments reported These significant changes, without any valid explanation or documentation, raise serious concerns about the accuracy and integrity of the data being reported. According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. These repeated and conflicting entries clearly violate that obligation. 

Request for Resolution : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate an investigation into : The data furnishing practices of XXXX XXXX XXXX XXXX regarding this account ; The handling and verification procedures followed by TransUnion in allowing inconsistent and erroneous late payment data to be published ; The immediate correction or removal of inaccurate payment history related to this account from my credit file. 

I have attached supporting documentation showing the variation in reported late payments over the past several weeks. These inconsistencies are harming my creditworthiness and are causing undue stress and financial harm. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I had about XXXX originally deposited to my account around beginning of XXXX On XX/XX/XXXX I sent out a XXXX wire transfer to a bank that I do all my transactions for a small business I was just starting. Well I had problems with that bank and they would not accept the wire transfer infact that frozen my entire account with them. For a while until finally I was able to convince found to just send it back, to reject it. It came back to my account with SoFi and that's when I was able to get them to close my account with them. I pleading with SoFi for many many days asking them to close my account in witch they denied. With that I was told I was not intitled to that XXXX! Not intitled to my money sent me on a wild mental destruction I don't wish for anyone. I still have not gotten my money and now have lost everything because of this. My small business, my home my car and I'm about to lose my storage with everything else I own in this world. Please help me I been waiting for this mess to be over since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 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 RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Pollack & Rosen, P.A.
State: CO

Complaint narrative:
Debt collection attorneys Pollack & Rosen have been repeatedly contacting me via email since XX/XX/year>2023 regarding a debt that I do not owe. I have informed them repeatedly that the debt is not valid. I have repeatedly requested that they cease communication. They continue the monthly or bi-monthly emails. The firm seems to totally disregard the fact that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the unfair handling of my Military STAR Card account by the XX/XX/XXXX.

For years, I maintained my account in good standing with consistent auto-payments and no missed payments. However, in early 2024, my bank account was compromised due to fraud, which disrupted the automatic payments. Instead of working with me to resolve this unexpected issue, the XX/XX/XXXX immediately shut off my ability to make payments onlinea decision made without proper investigation or flexibility. 

Since that time, I have made multiple attempts to make payments by other means : The XXXX XXXX no longer accepts in-person payments. 
I attempted to use bill pay multiple times, but the system did not process the payments. 
XXXX representatives have not provided any viable alternative or support to help me resume payments manually. 

Despite explaining these challenges and showing a history of responsible payment behavior, the XXXX refused to restore my access or work out a solution. Instead, they chose to initiate garnishment of my military retirement pay, which has continued for several months while interest continues to accrue. 

To make matters worse, the XXXX has skipped multiple months between garnishments, allowing the balance and minimum due to increase artificially. Then, they resume garnishment at inflated amounts. This feels not only punitive but also like a predatory practice that ignores my active efforts to resolve the issue. 

This entire situation arose from circumstances outside of my control, and my responsible track record proves my willingness to pay. Instead of supporting me as a military retiree and long-standing account holder, they have restricted my payment access, ignored my outreach, and defaulted to aggressive collection tactics.

I respectfully request the following : 1. Immediate restoration of my online payment access.

2. The opportunity to set up a new payment method and resolve the remaining balance without further garnishment.

3. A full review of this accounts billing, interest accumulation, and garnishment procedures to ensure compliance with fair consumer practices. 

I am ready to provide documentation regarding the compromised bank account and failed payment attempts. I am asking for a fair chance to resolve this matter without continued financial harm.

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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: IL

Complaint narrative:
SELF/LEADB this company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report. This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MO

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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX/XXXX/2024

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 2025-05-18 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: FL

Complaint narrative:
ATTENTION : Consumer Financial Protection Bureau ( CFPB ) SUBJECT : Formal Dispute and Demand for Deletion of Fraudulent Records XXXX  XXXX XXXX To Whom It May Concern, I am submitting this formal dispute regarding a loan account currently reported by XXXX  XXXX XXXX and appearing on my consumer credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby request the immediate deletion of this account from all internal records and consumer reporting agencies.

Upon reviewing my credit file, I have identified substantial concerns regarding the accuracy, completeness, and verifiability of the data associated with this account. Federal consumer protection law requires that all information furnished to consumer reporting agencies be accurate, complete, and fully substantiated. If XXXX XXXX XXXXXXXX is unable to provide comprehensive documentation validating the legitimacy of this accountincluding but not limited to original account agreements, a complete and unbroken transaction history, and an accurate calculation of any alleged outstanding balanceI demand that this record be deleted in its entirety and that all relevant credit bureaus be notified of its removal without delay. 

Please consider this letter a formal request for deletion under the FCRA and FDCPA. If XXXX XXXX XXXXXXXX can not fully validate the accuracy and legal enforceability of this account, they are required by law to remove it from all reporting. 

I request that the CFPB take all appropriate steps to ensure my consumer rights are protected and that XXXX XXXX XXXXXXXX reporting practices comply with all applicable federal statutes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
ATTENTION : Consumer Financial Protection Bureau ( CFPB ) SUBJECT : Formal Dispute and Demand for Deletion of Fraudulent Records XXXX  XXXX XXXX To Whom It May Concern, I am submitting this formal dispute regarding a loan account currently reported by XXXX  XXXX XXXX and appearing on my consumer credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby request the immediate deletion of this account from all internal records and consumer reporting agencies.

Upon reviewing my credit file, I have identified substantial concerns regarding the accuracy, completeness, and verifiability of the data associated with this account. Federal consumer protection law requires that all information furnished to consumer reporting agencies be accurate, complete, and fully substantiated. If XXXX XXXX XXXXXXXX is unable to provide comprehensive documentation validating the legitimacy of this accountincluding but not limited to original account agreements, a complete and unbroken transaction history, and an accurate calculation of any alleged outstanding balanceI demand that this record be deleted in its entirety and that all relevant credit bureaus be notified of its removal without delay. 

Please consider this letter a formal request for deletion under the FCRA and FDCPA. If XXXX XXXX XXXXXXXX can not fully validate the accuracy and legal enforceability of this account, they are required by law to remove it from all reporting. 

I request that the CFPB take all appropriate steps to ensure my consumer rights are protected and that XXXX XXXX XXXXXXXX reporting practices comply with all applicable federal statutes. 

Thank you for your prompt attention to this matter. 

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
Consumer complaint received 2025-05-18 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XXXX XXXX,2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Credit Reporting Dispute XXXX  ( Acct. # XXXXXXXX XXXX XXXX  ) Under 15 U.S.C. 1681 Inaccurate Reporting and Unauthorized Repossession Dear Equifax, I am writing to formally dispute the accuracy and legality of the XXXX account ( # XXXXXXXX XXXX XXXX  ) reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all furnished information must be accurate and verifiable. 
There are several discrepancies that must be investigated : Inaccurate Date Opened Incorrect Account Status Discrepancies in the Date of Last Payment Inconsistent reporting across credit bureaus Furthermore, the account includes a vehicle repossession carried out by a third party without my consent. I never authorized the release of my personal information for that action, which may constitute a violation of my privacy rights.

I request that Equifax initiate a full reinvestigation and obtain : 1. A copy of the original contract with wet signature 2. A complete payment history 3. All documentation relating to the repossession, including : o Notice of default o Right to cure letters o Repossession authorization o Proof of my consent to release personal information If the information can not be verified, I request its removal from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Enclosed are a copy of my ID, proof of address, and the credit report highlighting the disputed entry. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/scrub>, 2025, Cash App marked my XXXX XXXX as shipped with an expected delivery by XX/XX/XXXX. I never received the card and was never able to activate or use it. I believe it may have been intercepted, as I share a household where others have access to the mail and personal information.

I contacted Cash App support multiple times to report this, request a secure reissue, and ask for escalation to Tier 2. However, I was repeatedly met with scripted responses, told to enter card digits I never received, and denied proper escalation. The app itself blocked reordering by repeatedly showing Something went wrong errors.

Despite providing screenshots, timestamps, and confirming the issue multiple times, the support team closed the chat without resolution. I was left without access to the funds or the card for weeks. A manual override or fraud protocol was never initiated. This is a clear failure to protect customer access and respond to a legitimate case of card loss or interception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY DATE OF BIRTH IS BEING REPORTED INCORRECTLY ON EQUIFAX AND I DISPUTED IT THEY CONTACTED ME BACK TELLING ME THAT THE INCORRECT DATE OF BIRTH CAME BACK AS ACCURATE

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
MY DATE OF BIRTH IS BEING REPORTED INCORRECTLY ON EQUIFAX AND I DISPUTED IT THEY CONTACTED ME BACK TELLING ME THAT THE INCORRECT DATE OF BIRTH CAME BACK AS ACCURATE

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I am writing to formally request that SUNRISE CREDIT SERVICES, immediately cease all collection activities, including reporting the alleged debt on my credit report. The debt in question is being incorrectly attributed to me, and I firmly deny owing the stated amount. SUNRISE CREDIT SERVICES, has inaccurately reported a collection account on my credit report and has failed to provide proper documentation or evidence to substantiate the debt, such as my signature or a binding contract between myself and SUNRISE CREDIT SERVICES.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet falsely reported two of my federal student loan accounts as 90 days late while they were in a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX administrative forbearance, with no payment due. I was never late. Nelnet admitted in writing on XX/XX/2025, that the 90-day delinquency was reported in error and that they would send corrections to the credit bureaus. 

However, XXXX  resolved my dispute by merely updating the loan status from 90 Days Late to Current. I never made a payment to bring the account current this change is misleading and fails to remove the original inaccurate 90-day history, which continues to damage my credit.

The FCRA requires that inaccurate information be fully corrected or deleted. The 90-day late mark never should have existed, and simply changing the account status going forward is not a full resolution. Ive suffered loss of credit, emotional distress, and credit score damage due to this false reporting.

Company response to consumer: Closed with explanation