vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am disputing inaccurate late payment entries for XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, which are being reported on my TransUnion, XXXX XXXX XXXX credit reports. These entries reflect a balance and past due amount of {$0.00}, which clearly indicates that the account is not past due and has no outstanding balance. The presence of a {$0.00} balance and past due amount directly contradicts the inaccurate late payment remarks, highlighting a critical oversight by both the creditor and the credit bureaus in ensuring the accuracy of my credit report. This type of error has already negatively impacted my financial profile, leading to unjust denials for credit, higher interest rates, and damaged financial credibility, despite my clear efforts to maintain timely payments. Such inaccuracies are particularly damaging in todays financial landscape, where even a single late payment can drastically lower credit scores and hinder access to essential financial products.

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) ), credit reporting agencies are required to accurately reflect my payment history and promptly correct any inaccuracies. Allowing these incorrect late payment remarks to remain, despite the clear evidence of a {$0.00} balance and past due amount, is a direct violation of these federal laws. This failure to maintain accurate data not only undermines the integrity of the credit reporting system but also exposes consumers like me to unnecessary financial harm, further compounding the damage to my financial reputation.

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 2025-05-13 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:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-13 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am following up on my previous CFPB complaint, which remains under investigation, regarding multiple inaccurate late payment entries on my credit reports from all three bureaus. These entries include XXXX ( Account Number : XXXXXXXX XXXX XXXX ), XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each with a balance and past due amount of {$0.00}. These entries are clearly inaccurate, as I have not missed any payments on these accounts, and the reported past due amounts are false. Given the sensitive nature of my financial information, it is highly likely that these errors are the result of a data breach, leading to the mishandling and misreporting of my credit data.

Under 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ), credit reporting agencies are required to ensure the accuracy of reported late payment data. The continued presence of these false late payment entries on my credit reports is a clear violation of these federal laws, which mandate the correction of unverified, inaccurate, or incomplete information. Allowing these errors to persist without proper investigation undermines my financial credibility and disrupts my ability to obtain fair credit terms.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX failed to address a lawful request under the Fair Credit Reporting Act. My account was charged off and is reported as such on my credit reports. I submitted a written request asking whether a Form 1099-C ( Cancellation of Debt ) had been filed, as that would indicate the debt has been canceled and may no longer be legally owed or reportable. 

XXXX XXXX responded by sending a standard debt validation letter that did not answer my question about the 1099-C, and then closed the matter. I was not disputing the debts XXXX was asking whether it had been forgiven or canceled. 

I request that the CFPB review XXXX  practices and require them to provide : Confirmation of whether a 1099-C was ever issued ; Clarification on whether they consider the debt forgiven or still collectible ; An updated and accurate reporting status based on that information.

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 2025-05-13 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







XXXX Account Number : XXXXXXXX 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 2025-05-13 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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 explanation
Consumer complaint received 2025-05-13 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because there are unauthorized and false hard inquiries on my credit report that I did not initiate or approve. Under Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), a credit report may only be accessed with my written permission or for a permissible purpose such as a credit transaction I initiated. These inquiries do not meet those criteria and were made without my consent. I did not apply for credit with the companies in question, nor did I authorize any third party to do so on my behalf. These inquiries are negatively impacting my credit score and violate my rights under federal law. I am requesting that the FTC investigate these unauthorized inquiries and hold the responsible parties accountable for violating the FCRA. I am also requesting their removal from my credit file immediately.

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 2025-05-13 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of two accounts listed on my TransUnion credit report. I believe these items contain late payment information that was reported in error due to extenuating circumstances, and I respectfully request a full reinvestigation. 

Disputed Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Reason for Dispute : The reported late payment occurred during a period of medical hardship. I was under medical care and unable to manage my accounts effectively at the time, which resulted in an isolated missed payment. I resumed on-time payments immediately thereafter. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Reason for Dispute : The late payment on this account was due to a temporary loss of employment, which disrupted my ability to make timely payments. Once reemployed, I brought the account current and have since maintained a positive payment history. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a thorough reinvestigation of these entries. If the late payment data can not be verified with complete and accurate documentation from the original creditors, these entries must be corrected or removed. The Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) further prohibits the reporting of information known to be inaccurate or unverifiable.

Please confirm the legitimacy of these records and provide me with a written response and an updated credit report within the XXXX period required by 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 non-monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
Please remove I did not authorize these inquiries. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate hard inquiries from XXXX - Personal Loan Companies ( XX/XX/year> ) and XXXX  - Personal Loan Companies ( XX/XX/year> ) on my TransUnion credit report. These inquiries are not only potentially unauthorized but also likely the result of a data breach, which can lead to the mishandling of my sensitive financial information. Hard inquiries, if improperly added, can significantly lower my credit score and negatively impact my ability to secure fair financial terms. 

Under the FCRA, 15 U.S.C. 1681b and 15 U.S.C. 1681i, TransUnion is required to ensure that all reported inquiries are accurately verified and properly authorized. Failing to do so not only violates my rights as a consumer but also exposes TransUnion to potential liability for statutory and punitive damages. These entries, if not properly validated, reflect a clear breach of TransUnion 's obligations under federal law, potentially causing long-term damage to my financial 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Several accounts were charged off many months ago. I did not receive any IRS copy of Form 1099-C ( Cancellation of Debt ) or any information from creditors. Accounts are showing as past due and balances owed.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Several accounts were charged off many months ago. I did not receive any IRS copy of Form 1099-C ( Cancellation of Debt ) or any information from creditors. Accounts are showing as past due and balances owed.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Unfair Late Fee and Rude Customer Service Details : I was recently charged a \ {$25.00} late fee on my Capital One credit card. Prior to the due date, I spoke with Capital One customer service to confirm my payment. I was told that the payment would go through and everything was fine. 

Despite this, I was still charged a late fee. When I followed up to request a refund or waiver given the misleading information I received I was told it was not possible. Additionally, the representative I spoke to was rude and dismissive. 

As a loyal customer with a solid payment history, I am extremely disappointed in the lack of flexibility and the unprofessional handling of my request. I trusted the information I was given by your representative, and now Im being penalized for it. This does not reflect the customer service experience I expect from a major financial institution. 

Resolution Requested : I respectfully request that the \ {$25.00} late fee be refunded as a goodwill adjustment, especially given the circumstances and customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: DE

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name - XXXX XXXX  Account number - XXXX XXXX XXXX XXXX  Account name - capital XXXX Account number - XXXX XXXX XXXX XXXX  Account name- DIVERSIFIED ADJ SVC Account number - XXXX XXXX XXXX XXXX XXXX I recently looked a transunion report on XXXX/XXXX/XXXX  and noticed some things are incomplete and inaccurate and according to the fair credit report act whenever a consumer reporting agency prepares it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the reports relates according to 15 USC 1681 And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief