vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am filing this complaint against Equifax for repeated violations of the Fair Credit Reporting Act. Despite multiple certified mail disputes sent on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwith full ID provided and proof of delivery Equifax has ignored required deadlines, failed to investigate, and continues reporting inaccurate information. Their inaction has caused me ongoing financial harm. 
See attached PDF packet with disputes, certified mail receipts, and identity documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for inaccurate and inconsistent reporting of a mortgage account across the three nationwide credit bureaus. 

Account in Question : Equifax XXXX XXXX XXXX XXXX  Account # XXXX Experian : XXXX XXXX XXXX Account # XXXX TransUnion XXXX XXXX XXXX Account # XXXX Issues : This account is reported under different names across the bureaus.

A 30-day late payment is reported inconsistently across Equifax, Experian, and TransUnion, despite payment history showing otherwise.

My reports list this account as Pays as agreed or Current, but still display a 30-day late notation, which is contradictory and misleading.

Applicable FCRA Violations : FCRA 602 ( A ) : Congress found the need to ensure fair and accurate credit reporting.

FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reinvestigation when a consumer disputes an account or data accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or should know is inaccurate.

FCRA 623 ( a ) ( 2 ) : Furnishers must correct and update information found to be inaccurate or incomplete.

Requested Action : 1. Remove the inaccurate late payment notation across all three credit bureaus.

2. Correct the account naming inconsistencies and align reporting across Equifax, Experian, and TransUnion.

3. Confirm in writing that these corrections have been made, per my rights under the FCRA.

I have attached supporting documentation from my current credit reports showing these inconsistencies.

I respectfully request the Bureaus assistance in ensuring compliance with the FCRA and the removal of this inaccurate late reporting. 
Thank you 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 2025-09-23 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for inaccurate and inconsistent reporting of a mortgage account across the three nationwide credit bureaus. 

Account in Question : Equifax XXXX XXXX XXXX XXXX  Account # XXXX Experian : XXXX XXXX XXXX Account # XXXX TransUnion XXXX XXXX XXXX Account # XXXX Issues : This account is reported under different names across the bureaus.

A 30-day late payment is reported inconsistently across Equifax, Experian, and TransUnion, despite payment history showing otherwise.

My reports list this account as Pays as agreed or Current, but still display a 30-day late notation, which is contradictory and misleading.

Applicable FCRA Violations : FCRA 602 ( A ) : Congress found the need to ensure fair and accurate credit reporting.

FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reinvestigation when a consumer disputes an account or data accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or should know is inaccurate.

FCRA 623 ( a ) ( 2 ) : Furnishers must correct and update information found to be inaccurate or incomplete.

Requested Action : 1. Remove the inaccurate late payment notation across all three credit bureaus.

2. Correct the account naming inconsistencies and align reporting across Equifax, Experian, and TransUnion.

3. Confirm in writing that these corrections have been made, per my rights under the FCRA.

I have attached supporting documentation from my current credit reports showing these inconsistencies.

I respectfully request the Bureaus assistance in ensuring compliance with the FCRA and the removal of this inaccurate late reporting. 
Thank you 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 2025-09-23 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: MI

Complaint narrative:
I am filing this complaint because the XXXX major credit bureaus have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) in connection with my disputes of inaccurate, outdated, and unverifiable information on my credit file. 

I recently obtained my credit report from XXXX and found numerous errors. Since then, I have submitted a formal dispute with proper documentation, but the bureaus have not corrected or deleted the inaccurate data, nor have they provided a full and proper method of verification. 

Disputed Information Includes Incorrect previous addresses ( XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, XXXX, MI XXXX ). 

Incorrect employers ( XXXX XXXXXXXX XXXX ). 

An unauthorized inquiry from XXXX XXXX ( XX/XX/year> ). 

Multiple collections, charge-offs, and late payments from creditors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These items are being reported inaccurately and/or can not be verified as required by law. 

FCRA Violations by the XXXX 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification, including documentation relied upon.

15 U.S.C. 1681g : Failure to provide full file disclosure.

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 2025-09-23 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: MI

Complaint narrative:
I am filing this complaint because the XXXX major credit bureaus have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) in connection with my disputes of inaccurate, outdated, and unverifiable information on my credit file. 

I recently obtained my credit report from XXXX and found numerous errors. Since then, I have submitted a formal dispute with proper documentation, but the bureaus have not corrected or deleted the inaccurate data, nor have they provided a full and proper method of verification. 

Disputed Information Includes Incorrect previous addresses ( XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, XXXX, MI XXXX ). 

Incorrect employers ( XXXX XXXXXXXX XXXX ). 

An unauthorized inquiry from XXXX XXXX ( XX/XX/year> ). 

Multiple collections, charge-offs, and late payments from creditors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These items are being reported inaccurately and/or can not be verified as required by law. 

FCRA Violations by the XXXX 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification, including documentation relied upon.

15 U.S.C. 1681g : Failure to provide full file disclosure.

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 2025-09-23 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: CA

Complaint narrative:
I am following up on my previous dispute concerning XXXX XXXX XXXX, account number XXXX, balance {$5000.00}. In my prior correspondence, I raised concerns regarding inconsistent Last Payment Dates reported across bureausEquifax showing XX/XX/2024, and TransUnion showing XX/XX/XXXX, XXXX well as the absence of an IRS Form XXXX, indicating that the debt had not been forgiven or legally discharged.

Despite my initial dispute, the response I received did not adequately address the key issues I raised. The discrepancies in reporting, the lack of proper documentation, and the possibility of misreporting due to identity or address confusion were not resolved. The response appeared generic and dismissive, leaving the inaccuracies on my credit report uncorrected and continuing to harm my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete reporting of my credit history. Specifically, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires credit reporting agencies to ensure all information is complete and accurate, while FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] grants me the right to dispute information that can not be verified and mandates that unverifiable or inaccurate information must be deleted. Additionally, the lack of a 1099-C or supporting documentation constitutes a failure to meet the requirements of 605B / 15 U.S.C. 1681c-2, which governs the accurate reporting of accounts including discharged or forgiven debts.

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 2025-09-23 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 21 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WEBULL PAY HOLDINGS (US) INC
State: FL

Complaint narrative:
I was using Webull for my crypto brokerage, and then they moved to Webull Pay. After this, they removed my bank account, and wouldn't let me connect my original bank account. I added another bank account, and then initiated a withdrawal, and this did not work. I even provided them the bank statement that they had requested. They did not provide a reason for why these transactions were canceled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report that I believe are inaccurate, duplicative, or unverifiable. There appear to be duplicate entries related to the same debts, including two accounts reported by the same debt collector under slightly different dates and original creditor names. Additionally, there are multiple listings from the same collection agency with identical account numbers and balances, which may result in misleading and unfair negative impact on my credit. I have also identified at least one account that I do not recognize and have never received any form of communication or debt validation regarding. Despite my efforts to resolve these issues directly with the credit bureaus and data furnishers, the information remains unresolved and continues to report inaccurately. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverified information, and I am requesting the CFPBs assistance in ensuring a proper reinvestigation is conducted. I ask that any account that can not be verified with complete and accurate documentation be removed, and that any duplicates be corrected to reflect a single, accurate entry. I am also requesting that these disputed accounts be properly labeled during the investigation process. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$730.00} Date Opened : XX/XX/XXXX XXXX  XX/XX/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 2025-09-23 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 filing this complaint regarding systematic Fair Credit Reporting Act violations by Equifax that have caused significant financial harm through inaccurate credit reporting and inadequate dispute resolution. 

PERSONAL INFORMATION VIOLATIONS : My credit report incorrectly shows my address as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' and phone number as " XXXX XXXX XXXX XXXX ''. My actual current address is XXXX XXXX XXXX XXXX XXXX XXXX  and phone number is ( XXXX XXXX XXXX. This violates FCRA Section 607 ( b ) requiring maximum possible accuracy. 

COLLECTION ACCOUNT VIOLATIONS : XXXX collection accounts continue reporting negatively despite showing dispute notations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} ) all show " Consumer Disputes This Account Information '' ( Narrative Code XXXX ) but continue negative reporting without proper validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ) show " Consumer Disputes After Resolution '' ( Narrative Code XXXX ) indicating disputes were resolved in my favor, yet accounts continue reporting negatively. 

DISPUTE HISTORY : I filed formal disputes with Equifax on : - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( sent via certified mail ) Despite XXXX separate dispute attempts over more than a year, Equifax has : - Failed to conduct reasonable reinvestigation as required by FCRA Section 611 ( a ) ( XXXX ) - Continued reporting disputed accounts without proper validation - Failed to provide requested method of verification documentation - Ignored specific legal violations cited in my disputes FINANCIAL HARM : These violations have artificially suppressed my credit score and caused increased borrowing costs, denied credit opportunities, and significant time and expense attempting to resolve these issues. 

The pattern of violations demonstrates systematic non-compliance with FCRA requirements and necessitates regulatory intervention to ensure proper dispute handling and accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Dear CFPB, I am submitting a complaint regarding false late payment reporting on my credit file. 
Creditor : XXXX  Account XXXX XXXX XXXXXXXX Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have never been late on this account. XXXX confirmed to me that they did not report these late payments and advised me to dispute directly with the credit bureaus. Despite this, the incorrect entries remain and are harming my credit. 
I request CFPBs assistance in having these inaccurate late payments removed from my credit reports. Supporting documents and payment records are attached. 
Thank you, 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 2025-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I am submitting a complaint regarding false late payment reporting on my credit file. 
Creditor : XXXX  Account XXXX XXXX XXXXXXXX Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have never been late on this account. XXXX confirmed to me that they did not report these late payments and advised me to dispute directly with the credit bureaus. Despite this, the incorrect entries remain and are harming my credit. 
I request CFPBs assistance in having these inaccurate late payments removed from my credit reports. Supporting documents and payment records are attached. 
Thank you, 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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Most recently my CashApp debit card was closed down without notice from the company. When I asked if I were to recieve a credit in the amount of XXXX that stated they would look into it. When I asked would a new card be reissued to me, the company representative stated they were not sure at the time. As my card remained closed the card kept repeatedly getting charged by XXXX without my consent. I have asked both XXXX and CashApp to stop charging the card but the charges continue and I am not allowed to reopen an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
Card charge that was disputed due to fraud was never truly removed from my OVERALL ACCOUNT BALANCE. 

The company charged this account XXXX different times but continues to XXXX XXXX it under 'dispute ', whilst adding the fraud charge to my billing and lying to me about the dispute resolution. 

This company is a total SCAM and continues to lie. 

I sent all my statements to an accountant at my job and he graciously enough went through all of my statements since XX/XX/year> and told me the charge was not truly removed, they simply added the fee and then waited 4 months whilst charging me XXXX  on the fraud charge before 'removing it ' but never truly removed the fraudulent charge NOR removed the interest they charged me all those months! 

I hope NO ONE ever chooses this company again! I never did- XXXX was my original creditor and it was SOLD to this mismanaged and fraudulent company.

Company response to consumer: Closed with explanation