vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion ( XXXX ) I am submitting this dispute to TransUnion regarding the following discrepancies on my credit report : Charged-Off Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : The charged-off status reported here is incorrect. I request that TransUnion verify and update the status of this account. 

Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX Discrepancy : This inquiry was unauthorized, and I request that it be removed from my credit file. 

Late Payments : XXXX XXXX XXXX Account Number : XXXX Discrepancy : I believe there was an error in the reporting of a late payment. Please verify the payment history and correct the report as necessary. 

XXXX XXXX XXXX Account Number : XXXX Discrepancy : There appears to be an error regarding the reported late payment. Kindly verify this account. 

XXXX Account Number : XXXX Discrepancy : The late payment recorded on this account is likely inaccurate. Please review and make any necessary corrections. 

XXXXXXXX XXXX XXXX Account Number : XXXX Discrepancy : This account shows a late payment, which should be verified for accuracy.

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Scammer told me I was signing up for a recreational basketball league and then later told me it was cancelled but never sent my money back. I don't believe the league even existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
The record under dispute is not an accurate representation of my payment behavior. I request that it be reviewed and updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error 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 2025-11-04 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I am filing a complaint because inaccurate and unverified information is being reported on my credit reports by multiple credit reporting agencies ( Experian, Equifax, and TransUnion ). 

Specifically, there are derogatory accounts and numerous inquiries being reported without proper verification or documentation. I submitted written disputes under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ) requesting a full reinvestigation and proof of verification. The disputed items include charge-off accounts from XXXX XXXX and several unauthorized credit inquiries. 

I also requested that outdated or incorrect personal information ( names, addresses, phone numbers ) be removed, as this information does not belong to me. To date, I have not received complete verification of the disputed accounts, nor have I been provided with a description of the method used to determine their accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

This ongoing situation has caused significant financial turmoil and hardship for me and my family. The inaccurate reporting has affected my creditworthiness, created difficulty in obtaining credit and housing, and has added emotional and financial stress to our household. 

I am requesting that the CFPB ensure the credit bureaus and furnishers comply with all provisions of the FCRA, conduct a proper reinvestigation, and remove or correct any information that can not be verified through documented evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 am filing a complaint because inaccurate and unverified information is being reported on my credit reports by multiple credit reporting agencies ( Experian, Equifax, and TransUnion ). 

Specifically, there are derogatory accounts and numerous inquiries being reported without proper verification or documentation. I submitted written disputes under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ) requesting a full reinvestigation and proof of verification. The disputed items include charge-off accounts from XXXX XXXX and several unauthorized credit inquiries. 

I also requested that outdated or incorrect personal information ( names, addresses, phone numbers ) be removed, as this information does not belong to me. To date, I have not received complete verification of the disputed accounts, nor have I been provided with a description of the method used to determine their accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

This ongoing situation has caused significant financial turmoil and hardship for me and my family. The inaccurate reporting has affected my creditworthiness, created difficulty in obtaining credit and housing, and has added emotional and financial stress to our household. 

I am requesting that the CFPB ensure the credit bureaus and furnishers comply with all provisions of the FCRA, conduct a proper reinvestigation, and remove or correct any information that can not be verified through documented evidence.

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 2025-11-04 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: LA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-04 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: LA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> I did a dispute on my account with a hotel that didnt provide the proper service nor did they give proper payment services in the amount of {$560.00}. 

XX/XX/year> the bank gave me a credit of the amount of {$560.00} w/out sending me paperwork that I have no record of on my side. 

XX/XX/year> I received a letter in the mail stating that they were taking the {$560.00} back on XX/XX/year>. Its not a good enough notice. 

I have XXXX different checking accounts & with the new one being opened a couple days before XX/XX/year>. I had put {$140.00} on the new checking account & used the money on that account before they did a reversal of {$560.00} on the old account. They choose to charge me a {$5.00} Citibank non-atm fee on XX/XX/year> & did the {$560.00} reversal & took the {$1.00} out of my savings plus on the new account that only had {$0.00} on it they made it negative {$120.00}. XXXX they proceed to tell me that they made the new account negative to put towards the old account which the new account didnt have any money on it. You cant take money from an account that didnt have money on it to cover the over draft on another account. You also cant charge a fee out of the blow if I get a XXXX deposit to my account every month. I also asked why my savings account isnt negative then. They had no answer for me & just kept repeating themselves. Ive been hung up on after they personally called me themselves & talked to them more than XXXX times.

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 2025-11-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Plantation, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX - XXXX - XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report immediately. 



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 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 XXXXXXXX XXXX 




Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A copy police report ( if required ) - My Social Security Card.

As required by law, I expect these fraudulent items to be blocked within XXXX business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with the federal law. 

Thank you for your immediate attention to this very urgent matter. 



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 explanation
Consumer complaint received 2025-11-04 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
In late XX/XX/XXXX, MOHELA sent a single generic email stating that the federal loan payment pause was ending. That email did not include billing amounts, due dates, or instructions to make a payment. 

After that, MOHELA sent no billing statements by mail or email, and I did not receive any notices indicating a payment was due, past due, or delinquent. Even though my contact information was on file, and has never changed. 

My credit reports show both loans were reported Current for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though no payments were applied during that period. 

Then, my credit reports show the loans were suddenly reported 90 days past due in XX/XX/XXXX. This timeline is not possible. To be 90 days delinquent in XX/XX/XXXX, payments would have had to be missed beginning around XX/XX/XXXX, yet MOHELA reported those same months as Current.

Because no billing or delinquency notices were provided, I had no reasonable way to know payments were due. 

I contacted MOHELA via phone and secure message in XXXX. The representative incorrectly claimed that my contact information was wrong and that I was not current as of early XXXX, which contradicts the credit report history. The representative stated MOHELA does not offer goodwill adjustments, even though I am disputing the accuracy of the reporting, not requesting goodwill. 

I am requesting correction or removal of the late payment reporting because : ( XXXX ) The delinquency timeline reported ( XXXX 90 days late ) is inconsistent and inaccurate, and ( XXXX ) I received no billing statements or delinquency notices prior to the negative reporting. I also received XXXX correspondence after the fact to alert me that payments were past due.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief