vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: WI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I used Cashapp for years and suddenly charges were just appearing that I never made. When I disputed, instead of doing literally anything they denied any claims immediately. When I kept reaching out, they closed my account. I had over {$500.00} plus they had bank and personal information. Since then I've changed banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Subject : Complaint Against Experian, Equifax, and TransUnion for Improper Reporting of Bankruptcy Information Dear CFPB, I am submitting this formal complaint against Experian, Equifax, and TransUnion for willfully and negligently violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. by inaccurately reporting a bankruptcy on my consumer credit report without proper verification or compliance with federal law. 



On XX/XX/year>, I received an official letter from the United States Bankruptcy XXXX, XXXX XXXX XXXX Florida ( copy attached ). The XXXX XXXX XXXX clearly states that the bankruptcy court does not report or transmit bankruptcy records or any other information directly to credit reporting agencies. The XXXX further explains that bankruptcy case data is available only through PACER ( a public records system ), and the XXXX itself does not furnish information to credit bureaus. 



This makes it clear that any bankruptcy information appearing on my consumer reports was obtained through third-party data miners, not from the Court itself. As a result, the credit bureaus have : Failed to maintain reasonable procedures to assure maximum possible accuracy of the information they report, in violation of 15 U.S.C. 1681e ( b ).

Failed to properly reinvestigate and remove inaccurate or unverifiable information upon my dispute, in violation of 15 U.S.C. 1681i ( a ).

Published defamatory and damaging information about me without a permissible purpose under 15 U.S.C. 1681b, causing harm to my creditworthiness, employment opportunities, and financial standing. 




The inaccurate reporting of this bankruptcy has caused me significant harm, including denial of credit and higher costs of borrowing. The FCRA requires the credit bureaus to only report accurate, verifiable information, yet in this case they have relied on unverified third-party data contrary to federal law and the Courts own statements. 



Relief Requested : I respectfully request that the CFPB : Investigate the conduct of Experian, Equifax, and TransUnion regarding their acquisition and reporting of bankruptcy information. 
Compel the credit bureaus to immediately delete the bankruptcy entry from my consumer credit reports as it is unverified and inaccurate. 
Impose any appropriate fines, penalties, or corrective measures to ensure compliance with the FCRA and prevent further harm to consumers. 




I have attached a copy of the letter from the U.S. Bankruptcy Court for your review, which confirms that the Court did not furnish my information to any credit bureau. 



Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Subject : Complaint Against Experian, Equifax, and TransUnion for Improper Reporting of Bankruptcy Information Dear CFPB, I am submitting this formal complaint against Experian, Equifax, and TransUnion for willfully and negligently violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. by inaccurately reporting a bankruptcy on my consumer credit report without proper verification or compliance with federal law. 



On XX/XX/year>, I received an official letter from the United States Bankruptcy XXXX, XXXX XXXX XXXX Florida ( copy attached ). The XXXX XXXX XXXX clearly states that the bankruptcy court does not report or transmit bankruptcy records or any other information directly to credit reporting agencies. The XXXX further explains that bankruptcy case data is available only through PACER ( a public records system ), and the XXXX itself does not furnish information to credit bureaus. 



This makes it clear that any bankruptcy information appearing on my consumer reports was obtained through third-party data miners, not from the Court itself. As a result, the credit bureaus have : Failed to maintain reasonable procedures to assure maximum possible accuracy of the information they report, in violation of 15 U.S.C. 1681e ( b ).

Failed to properly reinvestigate and remove inaccurate or unverifiable information upon my dispute, in violation of 15 U.S.C. 1681i ( a ).

Published defamatory and damaging information about me without a permissible purpose under 15 U.S.C. 1681b, causing harm to my creditworthiness, employment opportunities, and financial standing. 




The inaccurate reporting of this bankruptcy has caused me significant harm, including denial of credit and higher costs of borrowing. The FCRA requires the credit bureaus to only report accurate, verifiable information, yet in this case they have relied on unverified third-party data contrary to federal law and the Courts own statements. 



Relief Requested : I respectfully request that the CFPB : Investigate the conduct of Experian, Equifax, and TransUnion regarding their acquisition and reporting of bankruptcy information. 
Compel the credit bureaus to immediately delete the bankruptcy entry from my consumer credit reports as it is unverified and inaccurate. 
Impose any appropriate fines, penalties, or corrective measures to ensure compliance with the FCRA and prevent further harm to consumers. 




I have attached a copy of the letter from the U.S. Bankruptcy Court for your review, which confirms that the Court did not furnish my information to any credit bureau. 



Thank you for your prompt attention to this matter.

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 2025-10-03 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/2024 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, they should be corrected or removed.

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 2025-10-03 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: FL

Complaint narrative:
Re : Request for Debt Validation & Metro 2 Compliance Account # : XXXX To Whom It May Concern, I am writing in response to your attempted collection of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide full and complete validation of this debt, including but not limited to : The original creditors full name and address. 

The exact amount claimed as owed, with a detailed itemized accounting of all fees, interest, and charges. 

Proof that you are legally authorized to collect this debt and are compliant with federal, state, and local law. 

A copy of the original signed contract or agreement bearing my signature. 

Any and all assignments or transfers of the debt, including dates and parties involved. 
Verification that any reporting to credit bureaus complies with Metro 2 reporting standards, including accurate account status, dates, balances, and the chain of ownership.

Until you provide valid and verifiable documentation, you are prohibited from reporting, continuing collection, or communicating with any third party about this alleged debt. Failure to provide validation constitutes a violation of the FDCPA, and I will not hesitate to report your non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 
Furthermore, be advised that any inaccurate reporting on my credit report must be immediately corrected or deleted per the Fair Credit Reporting Act ( FCRA ), especially regarding Metro 2 data fields.

Please respond in writing only. Phone calls or other communications are not authorized. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
My Social Security Number ( SSN ) was stolen from my wallet, and fraudulent credit cards and accounts were opened in my name. Subsequently, my information was sold to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 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 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 XXXXXX/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 2025-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted a Qualified Written Request ( QWR ) to Citizens Bank under RESPA 1024.36 requesting a complete accounting and reconciliation of my mortgage loan, including the full payment history, investor and trustee identification, escrow details, and confirmation of payoff status. Instead of providing the requested information, Citizens sent me a letter dated XX/XX/year>, which acknowledged receipt of my complaint but failed to answer any of the specific QWR items. 

Shortly after receiving my XXXX, Citizens mailed a refund check dated XX/XX/year>, for {$31.00} labeled as a misapplication reversal. This refund appears to relate to unearned interest or misapplied funds from payments made before my lawful tender of payoff. Citizens retained my tender without proper accounting and has continued to report derogatory credit information despite being in possession of the payoff instrument. 

The XX/XX/XXXX letter from the Office of the Customer ( signed by XXXX XXXX. ) admits a credit bureau dispute was submitted on my behalf on XX/XX/year>, without my authorization and without resolving the core servicing and accounting issues raised in my QWR. Citizens failure to provide the requested documentation and its decision to alter my credit file while withholding material information constitutes a violation of both the Real Estate Settlement Procedures Act ( RESPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB review Citizens Banks actions for noncompliance with federal mortgage servicing and credit reporting laws and direct the bank to provide a full and verified response to my QWR, correct the adverse credit reporting, and account for all unearned interest and retained funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four 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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Attempt to collect debt on an unknown account. Attached is the debt validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-03 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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