vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: MO

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-11-26 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: TX

Complaint narrative:
Experian verified a disputed collection account without providing any proof or the legally required Method of Verification. I disputed a collection account with Experian ( XXXX XXXX XXXX for XXXX  ). Experian marked the account as verified but did not provide any documentation showing how the account was verified, who verified it, or what evidence was used. 
Under FCRA 611 ( a ) ( 7 ), I have the right to request the method of verification, including : The name of the person or department who verified the account The procedure used to verify the information Copies of all documents used to confirm the accuracy Experian has failed to provide this required information and refuses to explain how the debt was verified. 
In addition, the account is reporting inaccurately, including : A collection account reporting as charge off ( which is not allowed ) Inconsistent dates across bureaus Missing or incomplete information This violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 611 ( a ) ( 1 ) ( A ) ( failure to conduct a proper reinvestigation ).

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Sentry Recovery is reporting a fraudulent collection account XXXX even though I am a verified victim of identity theft as documented in FTC Identity Theft Report # XXXX XXXX XXXX. I did not open this account, authorize it, or owe this balance. Fraud began around XX/XX/year>, and I discovered it around XX/XX/year>. 

Sentry Recovery has continued to report this debt despite receiving proper identity-theft documentation. Under FCRA and FACTA, furnishers must block and remove fraudulent accounts after receiving an FTC report and proof of identity theft. Keeping this on my report violates : FCRA 605B failure to block fraudulent information FCRA 623 ( a ) ( 1 ) ( A ) reporting information known to be inaccurate FCRA 611 unreasonable reinvestigation FACTA identity theft protections This fraudulent collection is causing credit denials, higher interest rates, and emotional and 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 2025-11-26 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: NY

Complaint narrative:
I am filing this complaint because Transunion and XXXXXXXX XXXX XXXX  are unlawfully reporting six ( 6 ) XXXX  business credit card accounts on my personal consumer credit report, even though these are strictly commercial accounts that do not fall under the Fair Credit Reporting Acts definition of a consumer credit transaction. My Transunion report dated XX/XX/XXXX  shows these accounts with severe derogatory information, including 120+ day past-due statuses, charge-offs, and high balances. Each account is clearly marked by Transunion as a BUSINESS CREDIT CARD with Commercial terms, yet they have been placed on my personal consumer file and assigned as my individual responsibility, which is false, misleading, and prohibited under FCRA 603 ( c ), 603 ( d ), 604, and 607. Transunion does not have a permissible purpose to report commercial debts, and XXXX can not legally verify consumer liability because no consumer contract, personal guarantee, consumer credit application, or FCRA-qualifying documentation exists. Despite these accounts being strictly commercial, their reporting has caused significant harm, including credit score drops, loss of financing opportunities, business disruption, increased credit costs, and emotional distress. Transunion and the furnisher have failed to meet their obligations for maximum accuracy and proper reinvestigation under FCRA 607 ( b ) and 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: NV

Complaint narrative:
I previously submitted a written dispute to US BANK dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), US BANK has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since US BANKdid not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. 
This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure US BANKs immediate compliance with FCRA requirements. 

US BANK 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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TN

Complaint narrative:
Hello, I appealed cash apps decision to close my account. I disputed {$400.00} that an ATM machine didn't give me when it malfunctioned and took my debit card. The bank gave the card back, but said I'd have to go through my financial institution to get the money back. Well, I filed a dispute for the {$400.00} and the next day the bank called me and said they confirmed the ATM {$400.00} dollars over. A few hours later I got an email saying my Cash app had been closed due to violation of terms and conditions. I asked a support agent when I appealed that decision and they said the ATM dispute appears fraudulent, which it's not. I called the bank back and they said that no one has called them from cash app on my behalf regarding the {$400.00}, because their trying to send it back to my account. I just received a second email Cash app stating they've denied my appeal without ever calling the bank to verify that I'm telling the truth. The bank in question is XXXX  XXXX XXXX in XXXX, Tn. XXXX and the phone number to the bank is ( XXXX ) XXXX. They have been patiently awaiting correspondence from cash app who hasn't tried to call and confirm my dispute. 
This is a violation of my consumer protection laws regarding regulation E, in which Cash App failed to investigate the error properly or AT ALL and labeled me as " fraudulent '' closing my account without any cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I'm writing on the behave of XXXX XXXX XXXX. I was involved in the XXXX XXXX XXXX  data breach back in XXXX XXXX XXXX XXXXXXXX and XXXX. My information was compromised from the data breach. Executive Order XXXX was created to protect We The People, property block for human rights abuse and corruption. Universal Human Rights Declaration Act Articles XXXX. Says I was born FREE to Live FREE. back by XXXX XXXX Executive Order The Promissory Note. All XXXX  major furnishing reporting agencies have violated my rights and my private information without my consent. I'm Trustee, Secured party, XXXX a living nature XXXX XXXX XXXX XXXX being with flesh and blood. XXXX who has irrevocable unalienable rights, including but not limited by XXXX without prejudice XXXX XXXX. I haven't used my credit in over XXXX years and I haven't used my social security number in over XXXX years. Goldman Sachs Apple card and XXXX XXXX must be blocked and deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ] Email : XXXX Date : XX/XX/year> Last XXXX - XXXX Capital One Bank ( XXXX ), XXXX. 

XX/XX/XXXX: Credit Bureau Disputes / Executive Office XXXX Capital One XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Subject : Formal Complaint and Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to file a formal complaint regarding XXXX unauthorized hard credit inquiries that Capital One placed on my TransUnion credit report, dated XX/XX/year> and XX/XX/year>. 



I applied through XXXX No Ding platform, which is explicitly advertised as a soft inquiry only. Additionally, my credit file is locked due to verified identity theft, and each time I received a message stating that my report was locked and needed to be unlocked to proceed with a soft inquiry. I followed the instructions, but Capital One still performed hard inquiries, which I did not authorize. 



I contacted XX/XX/XXXX directly and was informed that : Capital One does not need my file unlocked to perform a soft inquiry, and The No Ding program is coded to prevent hard inquiries. 




This means the hard pulls were neither necessary nor authorized. 



When I called Capital One customer service this morning, the representative stated they could not discuss the issue because it was linked to an account, which makes no sense because I do not have a Capital One account, nor did I complete an application that would authorize a hard pull. 



Because these inquiries were unauthorized and harmful to my credit profile, I am requesting the following : Immediate removal of both hard inquiries ( XX/XX/year> and XX/XX/year> ) from my XX/XX/XXXX credit report. 
Written confirmation that these inquiries have been removed. 
A review of your system and application process to ensure that consumers using XXXX XXXX XXXX option are not subjected to unauthorized credit checks. 




Please process this complaint promptly. If this matter is not resolved, I will escalate it to the Consumer Financial Protection Bureau ( CFPB ) and theXX/XX/XXXX Attorney Generals Office. 



Thank you for your attention. I expect your response within XX/XX/XXXX days. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint against WELLS FARGO AUTO XX/XX/XXXX for willfully failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute of inaccurate reporting on Account XX/XX/XXXXXXXX On XX/XX/year>2025, I submitted a formal dispute notifying WELLS FARGO AUTO XXXXXX/XX/XXXX that the information they were reporting to the credit bureaus was inaccurate. Despite this notification, WELLS FARGO AUTO XXXX failed to provide any verification, documentation, or a proper response within the required XXXXday timeframe. As of XX/XX/year>2025, they still have not conducted a reasonable investigation or supplied any evidence supporting the accuracy of the reported data. 

Under 15 U.S.C. XXXX ( b ), WELLS FARGO AUTO XX/XX/XXXX is legally obligated to investigate disputes and correct or delete information that is inaccurate or unverifiable. Their continued reporting without verification violates federal law and has caused ongoing harm to my credit profile.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXX Balance : {$3500.00} Late Days : XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Ive had multiple disputes with Wells Fargo this year, and the two most recent situations are the ones Im seeking clarification on. 

The major incident occurred at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Date : XX/XX/year> Time : XXXXXXXX XXXX After Wells Fargo provided the transaction details, I contacted the XXXX XXXX XXXX XXXX. I was advised that {$8600.00} was withdrawn without me being present. One withdrawal occurred at the ATM, and another occurred inside the branch where a teller handed cash to someone who was not me. Wells Fargo credited that amount back to my account. 

On XX/XX/year>, there were three unauthorized charges, including one at XXXX and another retailer, totaling {$380.00}. I never received these funds. My account was then closed, and I understand and accept the closure. I have since opened an account with XXXX. 

However, I was denied any investigation or assistance regarding the XX/XX/year> charges, and I am seeking review of this decision.

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 2025-11-26 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: SC

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$3800.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Bank of America is reporting the same auto loan with contradictory, inaccurate, and misleading account statuses- " charge-off, '' " write-off '' and paid in full -- at the same time, which violates federal credit reporting standards. I previously contacted Bank of America and was told the late payments would be removed, but no correction was ever made. The inaccurate reporting is causing financial harm, and I am requesting that the CFPB require Bank of America to correct or delete the tradeline. 

I paid this account in full so it should not be listed as " write-off ''

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