vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within XXXX  days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address and SSN Card.

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 2025-07-11 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: OH

Complaint narrative:
I am filing this complaint because XXXX  XXXX  major credit bureausXXXX XXXX XXXX Equifaxcontinue  to report late payment notations on XXXX accounts that are in fact fully paid and have XXXX past-due balances : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX. These inaccurate late payment designations are damaging and misleading, and they fail to comply with the accuracy standards set forth in the Fair Credit Reporting Act ( FCRA ). 

The account with XXXX shows a delinquency dated XX/XX/XXXX. However, this account has long since been paid and carries a XXXXXXXX balance and no outstanding past due amount. The same issue appears on the XXXX XXXX account with a reported late date of XX/XX/XXXX, and the XXXX XXXX XXXX account dated XX/XX/XXXX. These accounts are closed or paid in full with no present obligations or overdue amounts. Despite this, the credit reports continue to show damaging derogatory information, which contradicts the actual payment history and account resolution. 

According to XXXX XXXX. XXXX ( b ), each bureau is legally obligated to maintain reasonable procedures to assure the maximum possible accuracy of the information they report. Reporting an account as late when it is neither delinquent nor carrying a balance fails this standard outright. These errors suggest either incomplete data verification from the original furnishers or a failure to update the account 's status once it was settled. Either way, this is a violation of federal law. 

Furthermore, I have already submitted prior disputes directly to the bureaus under XXXX XXXX. XXXX, which requires them to conduct a reasonable reinvestigation within XXXX  days. The responses I received were generic and dismissive, lacking any transparency or proof that the furnishers provided real documentation to support the continued reporting of these late payments. Without actual validation from the original creditorincluding payment history, account status at the time of closure, and settlement termsthis reporting can not legally remain on my file. 

I am extremely frustrated by the ongoing presence of these false late payments, especially given how much they are affecting my creditworthiness. These inaccuracies have caused denials for better-rate credit cards, difficulty qualifying for rental housing, and the rejection of a car refinance applicationall because my credit profile falsely portrays me as an unreliable borrower. The stress, time, and emotional toll of constantly trying to correct what should be straightforward information has been exhausting. Ive done my part to settle these accounts responsibly, yet I continue to suffer the consequences of errors outside my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
I disputed two XXXX XXXX XXXX accounts with Experian one ending in XXXX and XXXX ending in XXXX. After my dispute and request for validation, Experian removed the account ending in XXXX from my credit report, which I appreciate. However, the second account ending in XXXX is still reporting, even though no signed contract, billing history, or chain of assignment has ever been provided. 

I asked for a Method of Verification and demanded proof of how Experian verified the account. No documentation or explanation has been provided. I also requested that the account be marked as in dispute under FCRA 623, but this still hasnt been done.

Ive sent multiple letters, including a formal dispute and MOV request, and gave more than enough time for a response. XXXX XXXX has even acknowledged on the phone that deletion could be possible, but they have not followed through. 

Experians continued reporting of an unverified, disputed account, while ignoring my lawful requests, is a clear violation of FCRA 611 and 623.

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 2025-07-11 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:
Urgent Credit Report Dispute with Equifax Inaccurate Late Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXXXX XXXX XXXX {$18.00} XXXX ; XXXXXXXX XXXX XXXX  {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I think bank of America credit sue me by charging me with gross misdemeanor on XX/XX/2025 Case number XXXX XXXX XXXX XXXX in XXXX Washington I believe i was wrong charged because I never received any later or email telling me this will happen They violated our agreement when i was acquiring their credit card Also they caused me alot of problems hence alot of my work accounts such as XXXX spark and hopeskip were closed hence i cant even get a work now. 
Even after i was sued I never received any later from bank or court so I never knew i was charged

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Management Incorporated
State: TX

Complaint narrative:
Called every hour from 8 to 7 from different numbers. Disconnected call automatically and left numbers that Disconnected on voice mail

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
My daughter sent me {$100.00} from her cash app to me to pay for a vet bill for her dog XXXX. It has said under review for the last XXXX  days and the rest of money is frozen. We sent vet bill as proof of vet bill for XXXX. Now why isn't money released?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX {$15000.00} XXXX XXXXXXXX {$5300.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$1400.00}

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 2025-07-11 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX {$15000.00} XXXX XXXXXXXX {$5300.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
I disputed two accounts from XXXX XXXX XXXX with TransUnion, including account XXXX XXXX. I sent written requests demanding validation of the debt and a full Method of Verification from TransUnion under FCRA 611 ( a ) ( 7 ). I specifically asked for documentation showing how the accounts were verified including any signed contracts, billing statements, or chain of assignment.

Despite these lawful requests, TransUnion continued to report the XXXX XXXX account without providing proof of verification or a meaningful response. No supporting documentation has ever been provided, and the account remains on my report. 

I also clearly requested that the account be marked as in dispute per FCRA 623 ( a ) ( 3 ), but TransUnion failed to reflect that. This omission alone is a violation of the law. 

Ive already taken the appropriate steps including freezing XXXX, XXXX, and XXXX, and sending certified letters and Ive made every effort to resolve this directly. At this point, TransUnion is knowingly reporting unverifiable and disputed information, which is harming my credit profile unfairly.

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 2025-07-11 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal notice regarding an unresolved matter with Experian concerning an account reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and guidance from the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), I previously requested a full validation of this alleged debt. To date, Experian has not provided any documented verification from the original creditor or factual evidence proving that this account belongs to me. Without such documentation, Experian is in violation of the consumer protection statutes that govern debt reporting and verification. Account : XXXX XXXX XXXX  Therefore, I am formally requesting the following : 1. A complete debt validation package in compliance with the FDCPA, including : A copy of the original signed agreement bearing my signature. A full accounting of the alleged debt and any payment history. Proof of legal ownership or assignment of the debt to the current reporting party. 2. If such verification can not be produced, I demand that this account be deleted from my credit report immediately, as unverified accounts can not be lawfully reported. Failure to act on this matter in a timely and compliant manner may result in a formal complaint to the CFPB and additional legal remedies as allowed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am writing to formally request a review and correction of the personal identifying information listed on my credit report. I have recently checked my credit monitoring service through XXXX, and my reports from your bureau ( s ) are either missing or not displaying correctly. I am concerned that this may be related to inaccurate or outdated personal information currently associated with my credit file.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
on XX/XX/year>, XXXX decides to close my checking account with the balance of {$520.00} due to my activity. I called and spoked to plenty of representatives for the past 3 months where they explained they could not provide reasons to closure over the phone, but could send an email in 3-5 Business Days. One representative after further questioning revealed it was due to possible fraudulent activity, to which they sent an email asking for my ID and other documents to prove my identity in order to have my account reinstated. I sent over the necessary documents, and I waited but the emails were all the same, exact same wording. I called again on XX/XX/year> to ask if there was anyway to access my funds locked inside of the account. These funds were needed for rent payment, there was no help provided. I even have access to the same cards and bank linked on the account and they still have not given me any update on how to recover my funds. I even have the email that states it will be held for up to 180 days for Loss Prevention, however I have received no response on how long I am supposed to wait for my rent money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX {$15000.00} XXXX XXXXXXXX {$5300.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$1400.00}

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 2025-07-11 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: World Acceptance Corporation
State: TX

Complaint narrative:
This is a refiling of my previous complaint against WORLD FINANCE CORPORATION due to the company 's failure to take any action or conduct a proper investigation regarding a fraudulent, unverified, and inaccurate account still being reported on my credit report. The account in question is listed under account number XXXX and shows as opened on XX/XX/year>. I have no knowledge of this account, have never applied for credit with WORLD FINANCE CORPORATION, and did not authorize any such transaction. I believe this account is the result of identity theft or a data furnishing error. 

To resolve this, I submitted formal disputes to both the credit bureaus and WORLD FINANCE CORPORATION directly. My dispute packet included an FTC Identity Theft Report, a copy of my government-issued photo ID, and proof of my current address. These documents fulfill all requirements under the Fair Credit Reporting Act ( FCRA 605B ). However, despite my full compliance, the account continues to appear on my credit reports, which constitutes multiple violations, including : FCRA 605B ( a ) Requires deletion of identity theft-related information within four business days FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting information that is inaccurate or unverifiable FCRA 623 ( b ) ( 1 ) Requires a reasonable investigation and deletion or correction of disputed information within 30 days Additionally, WORLD FINANCE CORPORATION has failed to comply with XXXX XXXX Compliance Guidelines, as the account was not marked with the required XB code during the dispute process and has not been removed using the DA deletion code, even though it remains unverifiable. The continued reporting of this account is materially damaging my credit standing and represents an ongoing violation of my federal consumer protection rights.

Company response to consumer: Closed with explanation