vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I am submitting this complaint to formally report serious violations of the Fair Credit Reporting Act ( FCRA ) by Experian Information Solutions , Inc. and TransUnion LLC regarding an alleged collection account furnished by XXXX XXXX XXXX. 

Both Experian and TransUnion are reporting materially inaccurate, incomplete, and unverifiable information, which must be deleted, not corrected.

1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ) ) Experian and TransUnion are reporting a collection/charge-off account with the following defects : No valid payment history prior to charge-off No progressive delinquency ( no 30/60/90-day history ) Conflicting account status information Unsupported balance reporting No competent evidence that the debt is accurate Reporting a charge-off without any underlying payment or delinquency history is factually impossible and violates the FCRA requirement to ensure maximum possible accuracy. 

2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ) I disputed this account in good faith. Despite my dispute : Experian reports customer disputed account reported by subscriber TransUnion reports the account as verified or compliant Neither bureau provided documentation showing that : The debt was validated The furnisher proved ownership or authority The balance was verified Merely parroting information from the furnisher does not constitute a reasonable reinvestigation.

3. False and Misleading Verification Statements TransUnion indicates that the account meets FCRA requirements.

This statement is false and misleading, as the account : Is not validated Is selectively reported Contains internal inconsistencies Lacks any documentary support Furnishing or endorsing false compliance statements constitutes willful noncompliance. 

4. Violation of Consumer Rights Under the FCRA Experian and TransUnion have violated : 15 U.S.C. 1681e ( b ) Accuracy requirements 15 U.S.C. 1681i ( a ) Reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Duties after notice of dispute Because the information can not be verified, continued reporting is unlawful. 

5. Demand for Resolution I respectfully request that the CFPB require Experian and TransUnion to : Immediately DELETE the LVNV Funding collection account Cease all reporting of this unverifiable tradeline Provide written confirmation of deletion Correct internal compliance failures Correction is not acceptable erasure is required under federal law when information is unverifiable.

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 2025-12-27 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: AZ

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 2025-12-27 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: AZ

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Account Type : FHA Mortgage Lender : Wells Fargo XXXX XXXX Original Loan Amount : {$110000.00} Account Opened : XX/XX/XXXX Account Closed / Paid in Full : XX/XX/XXXX Final Loan Payment : {$120000.00} Narrative : My spouse and I maintained a Wells Fargo FHA mortgage for over XXXX years. In early XX/XX/XXXX, while the account was in a protected loss-mitigation status, Wells Fargo agreed to accept a full payoff of the mortgage balance. My wife attempted to make the full payoff payment at that time by phone. Wells Fargo representatives advised that the payment could not be accepted by phone and must be made in person at a branch location. 

Later that same day, my wife went to our local Wells Fargo branch to complete the payoff. Branch staff advised her that it was too late in the day to process the payment and instructed her to return the following business day. 

On XX/XX/XXXX, my wife returned to the branch and paid the mortgage in full. The account balance was reduced to {$0.00}, the mortgage was closed, and foreclosure proceedings were discontinued. 

Despite the mortgage being paid in full and closed, Wells Fargo subsequently reported the account as 120 days delinquent with a {$0.00} balance. This derogatory reporting occurred after the payoff date and was furnished to multiple credit reporting agencies on different dates in XXXX XXXX. 

As of today : The account shows a {$0.00} balance The mortgage is closed Foreclosure was discontinued No amount is owed However, the account continues to be reported as delinquent, which is inaccurate and misleading. The brief delay between the payoff authorization date and the actual payment was solely due to XXXX XXXX refusal to accept payment by phone and the branchs refusal to process the payment late in the day. 

Actions Taken : Mortgage paid in full on XX/XX/XXXX Account closed with XXXX balance Contacted Wells Fargo regarding inaccurate credit reporting Wells Fargo stated that because payment was not completed on the same day as initially requested, protected status was lost and they would not correct the reporting Resolution Requested : I am requesting that Wells Fargo correct all inaccurate credit reporting related to this account and update the tradeline to accurately reflect a paid, closed mortgage without delinquency. Reporting a paid-off mortgage with a XXXX balance as XXXX  days late does not accurately reflect the true status of the account and unfairly penalizes borrowers who acted in good faith.

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 2025-12-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Please see attached CFPB complaint PDF detailing material FCRA violations and demand for deletion.

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 2025-12-27 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: MN

Complaint narrative:
I Have Tried The Reach Cashapp On So Many Occasions No Response Of Why My Account Was Closed I Would Like My Account Back I Am A Loyal Customer For Years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
I was going over my credit report, and I noticed a XXXX  XXXX Bankruptcy with a status of XXXX, docket number XXXX, XXXX on XX/XX/year> at XXXX. Honestly, XXXX not sure why this is showing up. It doesnt look right to me. I know that credit bureaus are supposed to make sure everything is accurate and up to date. In XXXX XXXX Equifax and XXXX v. Experian, the courts said that wrong or unverifiable information needs to be corrected or removed. Could you please check on this? If it turns out it cant be verified, Id like it taken off my report. Thanks for your help!

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 2025-12-27 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
I was going over my credit report, and I noticed a XXXX  XXXX Bankruptcy with a status of XXXX, docket number XXXX, XXXX on XX/XX/year> at XXXX. Honestly, XXXX not sure why this is showing up. It doesnt look right to me. I know that credit bureaus are supposed to make sure everything is accurate and up to date. In XXXX XXXX Equifax and XXXX v. Experian, the courts said that wrong or unverifiable information needs to be corrected or removed. Could you please check on this? If it turns out it cant be verified, Id like it taken off my report. Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
I was going over my credit report, and I noticed a XXXX  XXXX Bankruptcy with a status of XXXX, docket number XXXX, XXXX on XX/XX/year> at XXXX. Honestly, XXXX not sure why this is showing up. It doesnt look right to me. I know that credit bureaus are supposed to make sure everything is accurate and up to date. In XXXX XXXX Equifax and XXXX v. Experian, the courts said that wrong or unverifiable information needs to be corrected or removed. Could you please check on this? If it turns out it cant be verified, Id like it taken off my report. Thanks for your help!

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. 
I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. 
That promise has not been fulfilledthese inquiries still remain. 
This failure to act is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: WA

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. 
My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. 
These errors are having a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay.

Resolving this issue is not only necessary, it is critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Over 4 years ago I got a Credit card from Navy Federal Credit Union, I maxed it out and Navy Federal credit union treat the Maxed out credit card as a CHARGE OFF. ( 15 USC 1681c ) Report it to the IRS as a LOSS but still went ahead on XX/XX/year> and took {$190.00} out of my Checking Account ending in XXXX. And the Timing too was inappropriate which is around XXXX.... Navy Federal credit union Never XXXX called me or asked me to negotiate payments they just went ahead and took out my money. without my knowledge. that is Fraud/Theft...... I NEED MY MONEY BACK INTO MY ACCOUNT IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation