vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DE

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
I attempted to establish a business account with CashApp. The normal review timeframe for account setup is XXXX days, but it has now been nearly XXXX weeks with no updates. At no point has anyone from CashApp contacted me to request additional information regarding the nonprofit organization I am trying to create the account for. I have submitted multiple claims through both chat and phone support, yet no one has been able to explain the reason for the delay or provide a resolution. 

I submitted my account information on XX/XX/XXXX, and I have not received any response since that time. 

Claim XXXX submitted XX/XX/XXXX - XXXX via app chat Claim XXXX submitted XX/XX/XXXX - XXXX via chat app Claim XXXX submitted XX/XX/XXXX - XXXX via chat app Claim XXXX was made on XX/XX/XXXX ; however, I never received a number from the customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Credit Bureau Dispute Department, I am writing regarding an error on my credit report that occurred during a recent dispute. My auto loan account with XXXX XXXX XXXX, account number XXXX for, was incorrectly deleted from my credit report a few days ago a dispute that had nothing to do with this account which means u deleted it by error .This account is valid, active, and has a positive payment history. It should never have been removed. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information. I am requesting that this account be reinserted immediately onto my credit report with all relevant history intact.I also request that you confirm in writing once the account has been reinserted. If you require verification from the lender, please note that the lender is XXXX XXXX XXXX and I have also contacted them to ensure they report this account to all three bureaus. 

Please treat this as a formal request for reinsertion of a valid tradeline under FCRA regulations. I expect the account to be restored promptly and accurately to reflect my true credit history.Thank you for your prompt attention to this matter

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Credit Bureau Dispute Department, I am writing regarding an error on my credit report that occurred during a recent dispute. My auto loan account with XXXX XXXX XXXX, account number XXXX for, was incorrectly deleted from my credit report a few days ago a dispute that had nothing to do with this account which means u deleted it by error .This account is valid, active, and has a positive payment history. It should never have been removed. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information. I am requesting that this account be reinserted immediately onto my credit report with all relevant history intact.I also request that you confirm in writing once the account has been reinserted. If you require verification from the lender, please note that the lender is XXXX XXXX XXXX and I have also contacted them to ensure they report this account to all three bureaus. 

Please treat this as a formal request for reinsertion of a valid tradeline under FCRA regulations. I expect the account to be restored promptly and accurately to reflect my true credit history.Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-08 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: TN

Complaint narrative:
Someone stole my wallet several years ago, and the result of that caused many problems. I had about XXXX accounts opened in my name without my consent, and I've been trying to remove them ever since.

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 2025-09-08 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: TX

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on [ insert date ] regarding inaccurate late payment remarks on my credit report.

The account ( s ) I disputed are : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Late payment reported on XX/XX/year>XXXX XXXX XXXX  XXXX - Account XXXX - Late payment reported on XX/XX/year>XXXX XXXX  - Account XXXX - Late payment reported XX/XX/year> In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Mohela.studentaid.gov is not processing payments. We are getting confirmation messages with payment amount date and confirmation code. Payments are not being processed or debited from accounts. Pending payments are no longer showing in payment history. Interest is currently being accrued during this. Mohela is non responsive as all of this is going on. More stories like mine on XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
To Whom It XXXX Concern, I am disputing the alleged debt of {$540.00} you are reporting. Under the FDCPA, I am requesting full validation of this debt. Please provide : XXXX. The name and address of the original creditor. 
XXXX. A copy of the signed agreement showing I am legally responsible. 
XXXX. Proof of assignment or transfer of the debt from the original creditor to XXXX XXXX XXXX 
XXXX. Documentation that the debt was not previously charged off, forgiven, or canceled. If it was, please include a copy of the XXXX ( Cancellation of XXXX ) or certificate of indebtedness that should have been issued at the time of charge-off. 

If you can not provide this information, you must immediately cease collection efforts and remove the account from all credit bureaus. Reporting a debt that has been charged off and canceled without proper documentation is a violation of the FDCPA and FCRA. 

This is not a refusal to pay, but a request for validation. Until you provide full proof, you must stop reporting this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have accounts with Capital One. I needed to update me name as it has changed and I received a new card. Shortly there after I was locked out of my mobile accounts. I have called capital one on several occasions with about XXXX hours of call time. I have gone in the bank to personally to verify my identity. I have supplied my DL and SSCard at multiple request of capital one to verify my ID. They have asked me to submit a W9 and my passport as well, which I have done. However they will not give me online access to my account after following all of their request. This has negatively impacted my credit score as it has made it more difficult to pay my bill online as I had been accustomed to doing. 
I have called on recently on : XXXX XXXX minutes XX/XX/year> XXXX XXXX XXXX- then they hung up on me and I called back XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - fraud Department XX/XX/year>XXXX XXXX XXXX XXXX XXXX- they hung up on me and i called back XX/XX/year> XXXX XXXX. 
Every time I called I was given the run around and each person made up another reason why I did not have access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-09-08 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: AR

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Leafy Financial, LLC
State: MT

Complaint narrative:
The person texted me reguarding some matter. Didn't seem like a debt collector at all. I called number back assuming it was not. I was informed the call was recorded. This was for a debt I had repeatedly disputed. I dont even have an checking account for this loan to go into. He accused me of fraud. Taking people 's money and just not paying debts. I asked for paticular information. He said it has been repeatedly provided. I said I have gotten nothing that stated proof of validation of debt. I never signed anything for this loan. He told me I did. Called me a liar. Was very demeaning and rude. I told him I was going to record the call and he said he did not care. He was going to take this further and go after my pitiful wages that I pay to someone else. 
I also brought up that I would be forwarding call to my attourney. He then challenges me where this attourney is. I Then challenged him that he isnt legal representative and he can not speak on that. He then said he was going to escalate this and sue me .. have a nice day put me on hold. The hold music lasted for an additional 2 or 3 minutes before they ended call. 

This is the mis leading txt i recieved from a seperate number. ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX File Logged for Review XXXX XXXX, We're contacting you today to confirm direction before any updates are made. 
Please call XXXX or reply here to confirm your position. 

- XXXX XXXX XXXX File Desk XXXX  XXXX XXXX XXXX " XXXX '' to Opt Out It was very unprofessional, for a debt that I never incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
The XXXX XXXX auto loan tradeline on my credit report is inaccurate, incomplete, and unverifiable. 
It is reported as Closed and Profit and loss write-off, yet also shows a {$6500.00} balance as if it is still collectible.

Payment status is listed as In Collections/Charge-off, but no lawful verification documents have been provided. 
The account remarks state Dispute resolved subscriber disagrees, but no actual documentation supporting verification was ever produced. 

XXXX XXXX has repeatedly recycled partial PDF files instead of producing the required documentation. The credit bureaus are publishing this contradictory information without proof, violating FCRA 607 ( b ) ( accuracy ) and FCRA 611 ( a ) ( duty to investigate ).

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