vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
My account with XXXX  XXXX, XXXX 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 in to be removed.

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. 

XXXX XXXX, XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA collection company XXXX XXXX XXXX XXXX, KY XXXX Company reported medical debt of less than XXXX dollars to credit bureau. I confronted them about this and they said that the amount was once above XXXX dollars so they could. I said that my understanding of the law was that it mattered at time of reporting. I feel that she misrepresented the law. Also, this company would robocall after office hours and if I answered theyd say to call back during business hours. No written notice for months. I found an old notice. I couldnt confirm debt because I couldnt talk to a live person. I think this organization should be fined for reporting medical debt under XXXX. The bill is currently paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I am writing to dispute and request the removal of multiple hard inquiries recently placed on my credit file. These inquiries were not authorized by me, nor do they correspond with any applications or credit activity initiated on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit report reflects inaccurate personal data. I am requesting a prompt investigation and correction of this information within the next 5 business days.

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 2025-07-18 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-18 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: MD

Complaint narrative:
To Whom It May Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Status : Late Payment Issue : This account is reporting a late payment inaccurately. I have not received any verifiable billing statements or legal notices indicating a delinquency for the reported date. This entry is harming my credit profile and is not supported by documented evidence. 
Law : FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Story : I believe this is a result of a reporting error or incorrect posting. I always strive to maintain my accounts in good standing. No valid documentation was provided to support the alleged lateness. I am requesting immediate reinvestigation and deletion if verification can not be produced. 
INQUIRY XXXX  XXXX XX/XX/XXXX Issue : This is a duplicate unauthorized hard inquiry from XXXX XXXXXXXX. I dispute this as a duplicate entry or unauthorized access. 
Law : Under FCRA 604 ( a ), inquiries must have consumer-initiated purpose and must not be excessive or duplicative in nature.

Story : I am concerned that my information may have been accessed multiple times improperly without any new application or credit transaction. This redundant inquiry is damaging and was not authorized by me. Please investigate and remove.

In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
To Whom It May Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX Law Issue : This is being reported without permissible purpose or consent, which violates FCRA Section 604 and 607 ( b ) Story : I have no ties to this location, and it must be deleted. Failure to correct this error is causing emotional and financial harm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX Law Issue : This address violates FCRA Section 602 and 609 due to lack of relevance and consent Story : I do not live here and never authorized this to be included in my file. It may be contributing to identity confusion or mixed files and must be removed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$45000.00} Late Payment Law Issue : Reporting late payments without proper investigation or verification violates FCRA Section 623 ( a ) ( 1 ) ( A ) and 611 Story : I dispute the accuracy of the reported late payment. I was in communication with the creditor regarding a hardship and no proper notice or grace period was provided. This entry is harming my credit unfairly and should be corrected or deleted after reinvestigation XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6100.00} Collection Law Issue : Under FCRA Section 609 and FDCPA Section 807 ( 8 ), reporting a collection without providing validation is illegal Story : I never received a notice or validation of debt for this account. I request the full validation including signed agreement and breakdown of charges. If it can not be verified, it must be deleted immediately In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
My CashApp account has been frozen for over 3 weeks. I contacted CashApp support and was told to verify my identity. I submitted my permanent resident card, a picture of my face holding my ID, and my CashApp card using the link they provided. I was told to wait 10 days for a response. 

It has now been over 15 days, and I have still not received any reply from them. 
Every time I try to use the app, it says my identity is not verified, even though I submitted the correct documents and was told everything looked fine. 

My money is still locked in the account, and I have no access or communication. CashApp has not honored their timeline or provided support despite multiple attempts on my part. 

I would like my account unlocked immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2025, XX/XX/2025, and XX/XX/2025, I noticed multiple hard inquiries on my credit report that I did not authorize. These inquiries were made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for any credit, loans, or financial products with these companies on or around those dates. These inquiries were made without my knowledge or consent and are fraudulent. I believe they are a result of identity theft or unauthorized use of my personal information. 

Actions I have taken : I filed an identity theft report with the FTC through IdentityTheft.gov.

I submitted dispute letters to the Transunion requesting the removal of these inquiries.

I contacted each of the companies listed above to inform them of the unauthorized activity and requested investigations.

I am now filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure the matter is addressed and investigated thoroughly. 


I am requesting the immediate removal of these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX ( and its affiliate, XXXX XXXX XXXX ) is illegally reporting and attempting to collect on a debt that is both time-barred and obsolete, and they have engaged in fraudulent re-aging of this account. Furthermore, the original creditor, Navy Federal Credit Union, continues to report the same obsolete debt, causing double reporting and significant damage to my credit profile. 

The original debt stems from a Navy Federal Credit Union account, which is more than 12 years old. Under New York Civil Practice Law and Rules ( CPLR 213 ), the statute of limitations for consumer credit debt is three years. This debt is clearly time-barred and legally unenforceable. 

Despite this, XXXX XXXX XXXX initiated a lawsuit against me in XXXX  XXXX XXXX XXXX XXXX ( Case Name : XXXX XXXX XXXX vs. XXXX, XXXX XXXX ; Index Number : XXXX ). This case was dismissed on XX/XX/XXXX, due to the Plaintiff 's non-appearance. Their attempt to collect this debt through litigation was legally terminated. 

Despite the court dismissal and the debt being time-barred and obsolete, XXXX XXXX XXXX is actively reporting this account to all three major credit bureaus ( XXXX XXXX XXXX  ) with a false and misleading 'open ' date of XX/XX/XXXX. This constitutes illegal 're-aging ' of the debt, a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ), which prohibits reporting obsolete information past seven years from the date of first delinquency. This deceptive practice is clearly intended to extend the negative impact on my credit report beyond legal limits. 

Additionally, XXXX XXXX XXXX, an affiliate of XXXX XXXX XXXX, was previously assigned this same debt and re-reported it as 'new, ' further demonstrating a coordinated and deceptive re-aging tactic. This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ) and FDCPA 1692e ( using false or misleading representation in debt collection ). 

To compound the issue, Navy Federal Credit Union continues to report the original account for this same obsolete debt. This results in the same debt being reported twice on my credit profile, once by the original creditor and once by the collection agency, causing undue and significant harm to my credit. 

I have previously disputed this inaccurate and obsolete information directly with the credit bureaus, but both the XXXX  collection account and the Navy Federal original account remain on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NE

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-18 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:
I hope this message finds you well. I am reaching out to respectfully dispute an inaccurate late payment that has been recorded on my credit report. I have always made a conscious effort to meet my payment obligations, and this entry appears to be a rare and unfortunate error.

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 2025-07-18 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: AL

Complaint narrative:
I SUBMITTED A WRITTEN DISPUTE TO TRANSUNION, EXPERIAN, EQUIFAX, REGARDING AN ACCOUT THAT IS INACCURATE AND OR UNVERIFIABLE. UNDER 15 USC 681i, I HAVE THE LEGAL RIGHT TO A FULL REINVESTIGATION, THE COMPANY FAILED TO PROPERLY INVESTIGATE AND CONTINES TO REPORT INACCURATE INFORMATION ADDITIONALLY, THEY ARE IN VIOLATION OF 16811s s-2 FOR REPORTING FALSE OR UNVERIFIED DATA 1681 1e ( b ) FOR REPORTING FALSE OR FAILING TO ENSURE MAXIMUM POSSIBLE ACCURACY, 1681c FOR REPORTING OBSOLETE-OUTDATED INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
I SUBMITTED A WRITTEN DISPUTE TO TRANSUNION, EXPERIAN, EQUIFAX, REGARDING AN ACCOUT THAT IS INACCURATE AND OR UNVERIFIABLE. UNDER 15 USC 681i, I HAVE THE LEGAL RIGHT TO A FULL REINVESTIGATION, THE COMPANY FAILED TO PROPERLY INVESTIGATE AND CONTINES TO REPORT INACCURATE INFORMATION ADDITIONALLY, THEY ARE IN VIOLATION OF 16811s s-2 FOR REPORTING FALSE OR UNVERIFIED DATA 1681 1e ( b ) FOR REPORTING FALSE OR FAILING TO ENSURE MAXIMUM POSSIBLE ACCURACY, 1681c FOR REPORTING OBSOLETE-OUTDATED INFORMATION.

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 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation