vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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:
I am requesting the full deletion of a XXXX  XXXX account ( Account # : XXXX ) from all credit reporting agencies due to persistent inaccurate, misleading, and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

This account was : Opened in XXXX, later charged off. 
Settled in full for less than the full balance in XX/XX/XXXX. 
Canceled and reported as forgiven debt by XXXX XXXX XXXX IRS Form 1099-C, which Ive attached to this complaint.

Despite this, the tradeline is still harming my credit due to the following violations : 1. Inconsistent Status Reporting : TransUnion and Experian show the account as Paid.

Equifax shows Derogatory even though the balance is {$0.00} and the debt has been resolved. 

2. Late Payments After Final Payment : Equifax is incorrectly reporting 90 to 150-day late payments in XXXX, after the date the account was settled and closed ( XX/XX/XXXX ). 
These delinquencies are factually inaccurate, as no payments were missed after the debt was settled. 

3. Inconsistent Comments Across Bureaus : Remarks are not uniform and create confusion for potential lenders.

TransUnion states Settled - less than full balance, while Equifax and Experian show variations of Account legally paid in full for less than the full balance.

4. Lingering Charge-Off Status Despite Settlement : All three bureaus still reflect Charge-off under Payment Status, even though the account has been settled and closed with {$0.00} balance.

This is misleading and punitive, especially after XXXX XXXX officially canceled the debt and filed a 1099-C.

Under the FCRA, all data must be accurate, consistent, and not misleading. The XXXX XXXX tradeline fails all three standards.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested the public record be removed as it is inaccurate and isnt present on any other 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 2025-08-09 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fail to meet the highest standards of accuracy required under the Fair Credit Reporting Act ( FCRA ). These errors are causing ongoing and substantial harm to my financial standing and personal well-being.

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 2025-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Swe Homes LP
State: IL

Complaint narrative:
Back last years I call & call swe homes about my deed to my property they told me they where going to send me everything that I needed to get it but when swe homes sent out some paperwork I took it downtown to request for my deed they told me I had to pay off my water bill first cause I was on plan that they had then I should deed place my paperwork they then told me the paperwork wasnt sign right so then I left call swe homes and ask them about it they giving me ran around.so now that Im still trying to see wheres my deed at my legal Aid attorney is looking into it saying something is not right with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I initiated a return with XXXX for a bed frame purchased using Zip. XXXX confirmed that no further action was needed on my part and scheduled a pickup for XX/XX/XXXX. On that day, the delivery driver called between XXXXXXXX XXXX. and requested to pick up the unopened item the next morning, XX/XX/XXXX. I agreed, and the item was successfully picked up around XXXX XXXX that day. 
The return process was also initiated in the Zip app on XX/XX/XXXX, the originally scheduled pickup date. Despite this, Zip did not process the return until XX/XX/XXXX nearly a full month later. During that time, my account was placed on hold due to the pending return, and eventually, my entire spending power was revoked. 

I contacted Zip customer service multiple times, starting three weeks ago, to get clarity on the issue. I was told there was no problem and that everything was fine, especially since the return had been initiated with the merchant. However, no meaningful follow-up occurred, and my account has since been completely XXXX  out. 

I have received only generic, dismissive responses from Zips customer service. No one has taken responsibility or helped resolve the situation, even though the delay in processing was entirely on their end, not mine. 

Im filing this complaint because I feel Ive been unfairly penalized for a return that I handled properly and on time. I followed all steps required by both the merchant and Zip, and I should not have lost account access or spending power due to their internal delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
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 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 2025-08-09 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: NY

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX  XXXX XXXX BALANCED {$4900.00} XXXX XXXXXXXX BALANCED {$440.00} XXXX  XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$1400.00} XXXX/XXXX  XXXX XXXX {$2300.00} XXXX/XXXX  XXXX BALANCED {$3100.00} XXXX XXXX BALANCED {$150.00} XXXX XXXX  XXXX XXXX BALANCED XXXX XXXX/XXXX  XXXX BALANCED {$0.00} XXXX  XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  XX/XX/year>

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

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX  XXXX XXXX BALANCED {$4900.00} XXXX XXXXXXXX BALANCED {$440.00} XXXX  XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$1400.00} XXXX/XXXX  XXXX XXXX {$2300.00} XXXX/XXXX  XXXX BALANCED {$3100.00} XXXX XXXX BALANCED {$150.00} XXXX XXXX  XXXX XXXX BALANCED XXXX XXXX/XXXX  XXXX BALANCED {$0.00} XXXX  XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  XX/XX/year>

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding Capital One/Walmart reporting inaccurate information on my credit report. The account shows a charge-off with a balance of {$770.00}, which exceeds my credit limit of {$550.00}. In addition, the payment history reflects ongoing late payments after the charge-off date, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ). I have requested verification from the credit bureaus, but the furnisher continues to report these inaccuracies. I am requesting that the CFPB investigate and ensure the deletion or correction of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
I am disputing inaccurate and misleading information on my TRANSUNION credit file regarding a XXXX XXXX account that is charged off but continues to report monthly missed payments and derogatory statuses after the charge-off date. 

The account currently reports : Balance : {$1000.00} ( while in charged-off status ) XX/XX/XXXX : Late Payment notation XXXX XX/XX/XXXX : Late Payment notations XX/XX/XXXX : Derogatory status This practice is factually inaccurate and legally impermissible under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) because once an account is charged off, no new late-payment notations should be added for subsequent months. The continued month-by-month reporting of missed payments after charge-off misrepresents the accounts status, re-ages the debt, and falsely portrays an ongoing delinquency that does not exist.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. 15 U.S.C. 1681i ( a ) requires [ BUREAU NAME ] to conduct a reasonable reinvestigation of disputed information and delete or correct it within 30 days. 

Case law supports my position : In Nissou-Rabban v. Capital One Bank ( USA ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( S.D. XXXX. XX/XX/XXXX ), the court found that reporting new late payments after charge-off can be misleading and potentially actionable under the FCRA. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that misleading credit reporting that creates a materially false impression of a consumers payment status violates the FCRA.

Demand for Action : 1. Conduct a full reinvestigation of this XXXX XXXX account. 
2. Remove all inaccurate late-payment notations and derogatory statuses that appear after the official charge-off date.

3. Correct the account history to accurately reflect the true payment status and balance.

4. Provide the method of verification used to substantiate the current reporting.

5. Issue an updated credit report reflecting the corrected and accurate reporting.

Failure to comply with the FCRA will leave me no choice but to pursue all available remedies, including complaints to the Consumer Financial Protection Bureau and potential legal action for statutory and actual damages under 15 U.S.C. 1681n & 1681o.

This letter serves as formal notice under the FCRA. Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
So on XX/XX/year>2025 i made an online purchased from XXXX  for XXXX using my cash app account and XXXX emailed me and told me that my order was canceled due to the items not being avaliable for purchase well they have told me several times that it takes 7 days for the pending transaction to be reveresed well i have chatted with the Cash App Support several times and they keep on refusing to release the funds and thhey keep putting me off now i have sent copys from XXXX saying the transaction was caneled and everything and they still today XXXX the XXXX 2025 they haven't done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MO

Complaint narrative:
I dont know why my cash app was closed I got a new card from ya so why can't I have my cash app back. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a victim of identity theft resulting from the data breach, I am requesting immediate action to rectify the damage to my credit report. 
Specifically, I demand the removal of fraudulent accounts that have been opened in my name. Under FCRA 605B, I request that these accounts be blocked until the FTC investigation is complete, to prevent further harm. I am asserting my rights under FCRA 615, 617, 610, and 611, as well as FDCPA 809, to ensure that inaccurate information is corrected and removed, unfair collection practices are ceased, and my credit report is frozen until the investigation is complete. I respectfully request the FTC 's assistance in this matter and have attached supporting documentation to facilitate a thorough investigation.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint to dispute under FCRA Section 605B, you areobligated to block and remove any information that should not be furnished in aconsumer report when it is the result of information that can not be verified oris not permitted to be reported. Furthermore, under Section 611, you must conduct a reasonable reinvestigation ofdisputed information and delete or correct any entry found to be inaccurate, incomplete, or unverifiable.XXXX XXXX  XXXX : {$71000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : $ XXXX XXXX  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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
I pay Montgomery ward account out over {$700.00}. It's still showing on my credit report XXXX XXXX experience XXXX can you please remove this? I'm going to be a first time homebuyer trying to buy a house. I am raising my grandkids. We are rent a house I need to purchase a house so when I die, they will have somewhere they can call home trying to get my credit together

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXX the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief