vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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 confirm that I am not affiliated with these creditors and did not consent to this inquiry. Please remove it from my report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App. this happen on XXXX {$28.00} {$10.00} {$260.00} {$180.00} {$360.00} {$10.00} {$710.00} {$290.00} {$210.00} {$200.00} {$200.00} on XXXX {$130.00} These was taking from my account. I contact support on XX/XX/year> but they denied me. they would purchases bitcoin. these happen all in hour or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have requested by credit balance refund because I had negative balance. They have told me I will receive within maximum XXXX business days on early XXXX. They have told me it was shipped again, but neither has arrived. They have use this tactic last year too and I ended up using credit balance after XXXX  months waiting for the check. I have contacted them over XXXX times, and they all give me same answer and nothing changes like you need to keep requesting the check every XXXX  days indefinitely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2, and 1681c-2 ) regarding inaccurate and conflicting information appearing on my credit reports from TransUnion, Experian, and Equifax.

Despite my right to accurate and verifiable reporting, discrepancies exist across the three credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2, and 1681c-2 ) regarding inaccurate and conflicting information appearing on my credit reports from TransUnion, Experian, and Equifax.

Despite my right to accurate and verifiable reporting, discrepancies exist across the three credit reporting agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo continues to report my account as Paid in full for less than full balance, was a charge-off ; {$0.00}. While the account shows {$0.00} balance after settlement, the continuing charge-off designation is misleading and materially damaging to my creditworthiness. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or should know is inaccurate. Reporting an account as simultaneously settled in full and charged-off is inconsistent and creates an incomplete and misleading representation of my credit history. 

Wells Fargo has admitted in writing that : The account was settled in full for {$6500.00} on XX/XX/year>. 

I currently owe nothing on the account. 

They identified inconsistencies in how this tradeline is reported to the credit bureaus and submitted an update request. 

This is an admission that their reporting has not been consistent or fully accurate, which violates : 15 U.S.C. 1681e ( b ) CRAs must maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) When a consumer disputes information, the furnisher and bureau must conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Any unverifiable or incomplete information must be deleted.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Furnishers must correct and update information so it is complete and not misleading. 

The term charge-off implies ongoing default, which is not accurate after settlement. Continuing to pair charge-off with paid/settled constitutes incomplete and misleading reporting under the FCRA.

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 2025-10-01 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-01 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: WA

Complaint narrative:
I formally contest the reporting of unauthorized accounts under my profile. Kindly examine closely and remove them. Supporting records are enclosed.

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 2025-10-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Transunion Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name. 
The fraudulent accounts that I have identified on my credit report are as follows : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 
Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 
If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 
. 
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 2025-10-01 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-01 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
I'm a victim of identity theft and have submitted an FTC report, data breach document, State ID, Bank statements and SS Card. 
The accounts is question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were not made by me and are a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains multiple inaccurate entries that are damaging my credit and causing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AL

Complaint narrative:
On XXXX XXXX XXXX XXXXXX/XX/year>, I contacted XXXX XXXX after seeing a vehicle listed through XXXX XXXX XXXX XXXX. I informed the salesperson that I already had a pre-approval through XXXX XXXX and provided my XXXX XXXX reference number. The salesperson confirmed by phone and text message that they would use my XXXX XXXX reference only and would not run my credit separately. 

Later that same day, XXXX XXXX submitted multiple unauthorized credit applications through several different lenders, resulting in at least XXXX hard credit inquiries across multiple credit bureaus. I did not consent or authorize these credit pulls. 

After discovering the inquiries, I contacted the dealership and attempted to reach their finance department multiple times without success. I also notified the lenders that the applications were unauthorized. 

Because of these actions, my credit report now shows multiple unauthorized inquiries, which have negatively impacted my credit score and my ability to finalize financing through another dealership using my XXXX XXXX approval. 

I am requesting that the CFPB assist in having the unauthorized inquiries removed from all credit bureaus and that XXXX XXXX be held accountable for running my credit without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: AL

Complaint narrative:
On XXXX XXXX XXXX XXXXXX/XX/year>, I contacted XXXX XXXX after seeing a vehicle listed through XXXX XXXX XXXX XXXX. I informed the salesperson that I already had a pre-approval through XXXX XXXX and provided my XXXX XXXX reference number. The salesperson confirmed by phone and text message that they would use my XXXX XXXX reference only and would not run my credit separately. 

Later that same day, XXXX XXXX submitted multiple unauthorized credit applications through several different lenders, resulting in at least XXXX hard credit inquiries across multiple credit bureaus. I did not consent or authorize these credit pulls. 

After discovering the inquiries, I contacted the dealership and attempted to reach their finance department multiple times without success. I also notified the lenders that the applications were unauthorized. 

Because of these actions, my credit report now shows multiple unauthorized inquiries, which have negatively impacted my credit score and my ability to finalize financing through another dealership using my XXXX XXXX approval. 

I am requesting that the CFPB assist in having the unauthorized inquiries removed from all credit bureaus and that XXXX XXXX be held accountable for running my credit without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
My payments were never late .. My business bank account was switched in the same bank because of some stolen checks out of my business and the account was closed in XX/XX/2024 and open a different account and the payment that was going to XXXX Bank XXXX returned when I was trying to make the payment before it got corrected .. Ai called them several times until the matter got resolved and they closed my account because of that .. And I continued to speak to them about the matter but it was stated that they can do nothing .. And in XXXX when I am doing auto pay monthly they said because it wasnt enough then that payment was late.. So I immediately got in a repayment program for XXXX months to fix that problem..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing an alleged account that XXXX XXXX XXXX ( XXXX ) is reporting and attempting to collect. XXXX claims to have purchased this account from the original creditor, but has failed to provide legal validation. 

In XXXX, I sent formal debt validation requests under FDCPA 809 ( b ), asking for : The original signed credit agreement from the original creditor.

A full account history showing all charges, payments, interest, and fees. 

Documentation of the complete chain of title/assignment from the original creditor to XXXX. 

Proof that XXXX has the legal right to collect and report this account. 

XXXX failed to provide this information. Instead, they responded with only generic balance statements and internal letters, which do not constitute legal validation. 

Despite not validating, XXXX continues to report the alleged debt to Experian and other credit bureaus. This constitutes : A violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), which requires cessation of collection activity until validation is provided.

A violation of the Fair Credit Reporting Act ( FCRA ) 611 / 1681i, as unverifiable information must be deleted from consumer credit files. 

The continued reporting and attempts to collect without validation are unlawful, misleading, and damaging to my credit.

Company response to consumer: Closed with non-monetary relief