vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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:
I am writing to formally submit a complaint regarding multiple inaccurate, misleading, and unverifiable accounts listed on my credit report. Despite my attempts to address these issues directly with the respective creditors and credit reporting agencies, these items remain unresolved, causing significant financial and personal harm. 

Specifically, my credit report contains the following accounts that are either inaccurately reported or should not appear in their current status : 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 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 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 Charge Off XXXX XXXX  Bankruptcy Reference # XXXX Court : U.S. Bankruptcy Court Bankruptcy I dispute the accuracy, validity, and reporting of all of the above accounts. Many of these accounts were never authorized by me, were inaccurately reported, or fail to reflect the proper legal status under bankruptcy protection. Their presence on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611, which require credit reporting agencies and creditors to ensure information is accurate, complete, and verifiable. 

I request that the CFPB investigate these reporting inaccuracies and compel the responsible credit reporting agencies and creditors to : Immediately verify the legitimacy of each account and provide documented evidence supporting their reporting. 

Correct or remove any unverifiable or inaccurate accounts from my credit report without delay. 

Confirm the deletion or correction of these items in writing. 

The continued presence of these inaccurate entries has caused and continues to cause significant harm to my creditworthiness, ability to secure loans, and overall financial wellbeing. I urge the CFPB to take swift and thorough action on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I have been unable to obtain my consumer and rental reports from this company. I request full file disclosure under FCRA 609 ( a ). Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have been unable to obtain my consumer and rental reports from this company. I request full file disclosure under FCRA 609 ( a ). Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XXXX of XXXX The mortgage company requested I aquire additional separate policy for un attached structure in the property. 
I did this XXXX policy on XX/XX/XXXX At somepoint the mortgage company saw and existing XXXX and terminated the front house policy. And just establishing a XXXX policy with XXXX deductible. 

The house was flooded by Hurricane Helen XX/XX/XXXX I have been working to solve this. 
I have pages of notes and contacts who I have spoken to. 

Its always the same thing XXXX waiting. 
Someone sees the problem in the system but has to escalate it and have a supervisor call me back they never do. 

At this very moment the mortgage company transfered my call out to the flood insurance company and they said they cant help me.

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 2025-10-24 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: KY

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 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  FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am on the board of a student organization at my college. We used Cash App for our student dues and to pay for events. We had some issues through the month of XXXX regarding someone taking money from the account. We disputed them. 

Cash App denied the disputes and closed our account. 

We were upset about the money being gone, but there was still enough balance left in the account to take care of the rest of the year and we could fundraise to make sure next years club would be taken care of as well. 

I have been on the phone with Cash App almost twice a day for over a week trying to figure out how to withdraw the money, but they won't let me or tell me how long it is going to take to get the money out of the account. 

I just want this to be resolved. This isn't my money. This is money other students have put in to have events held and for the club. 

Someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Firstly, the name on the original lease agreement is incorrect. Wells Fargo sent a copy which still Furnished the incorrect name however they have repeatedly refused after many dispute letters to remove anything from credit report no matter how inaccurate its reporting and findings are. I have done the due diligence to look further into these discrepancies that are Furnished on credit report throughout all three bureaus inaccurately. These inaccuracies will be displayed in detail on the letter that I will upload to accompany this dispute.

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 2025-10-24 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: IA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: PA

Complaint narrative:
I am filing a complaint against the U.S. Department of Education Default Resolution Group ( DRG ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for furnishing inaccurate credit information in violation of FCRA 623 ( a ) ( 5 ) and 12 C.F.R. 1022.42.

The Department of Education is reporting my student loan account as newly opened or delinquent in XXXX, even though the original creditor, XXXX XXXX XXXX, confirms the account first became delinquent in XX/XX/XXXX. 
Attached is an official letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, confirming that my last payment was made XX/XX/XXXX, and that the account was first reported 30 days past due for XX/XX/XXXX. 
Despite providing this documentation during my XXXX dispute, the Department of Education verified its XXXX reporting as accurate, as reflected in my XXXX reinvestigation results dated XX/XX/XXXX ( Confirmation # XXXX ). This false verification ignores the actual delinquency history and effectively re-ages the account by more than four years, extending the negative items presence beyond the legal seven-year period. 
The Department of Educations reporting and verification are inconsistent with its own obligations as a furnisher of information under FCRA 623 ( a ) ( 5 ). This is a systemic accuracy issue : their Date of First Delinquency must reflect the original delinquency that occurred while the loan was still serviced by XXXX XXXX XXXX in XXXXnot when it was transferred to DOE in 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 2025-10-24 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: PA

Complaint narrative:
I am filing a complaint against the U.S. Department of Education XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX, XXXX, TX XXXX, for furnishing inaccurate credit information in violation of FCRA 623 ( a ) ( 5 ) and 12 C.F.R. 1022.42.

The Department of Education is reporting my student loan account as newly opened or delinquent in XXXX, even though the original creditor, XXXX XXXX XXXX, confirms the account first became delinquent in XX/XX/XXXX. 
Attached is an official letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, confirming that my last payment was made XX/XX/XXXX, and that the account was first reported 30 days past due for XX/XX/XXXX. 
Despite providing this documentation during my Equifax dispute, the Department of Education verified its XXXX reporting as accurate, as reflected in my Equifax reinvestigation results dated XX/XX/XXXX ( Confirmation # XXXX ). This false verification ignores the actual delinquency history and effectively re-ages the account by more than four years, extending the negative items presence beyond the legal seven-year period.

The Department of Educations reporting and verification are inconsistent with its own obligations as a furnisher of information under FCRA 623 ( a ) ( 5 ). This is a systemic accuracy issue : their Date of First Delinquency must reflect the original delinquency that occurred while the loan was still serviced by XXXX XXXX XXXX in XXXX when it was transferred to DOE in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year> my accounts with Capital One were hacked/accessed without my authorization resulting in a loss of nearly {$13000.00}. Upon discovery I immediately contacted Capital One and reported the fraud. To date I have not received all of the funds that were taken and Capital One has failed to provide proper updates or restore my funds. I asked for documentation to provide to bill collectors showing that I am a victim of fraud and can not pay my bills and this was not done. I've called numerous times for updates and have not been provided with updates other than it's being worked on. It has been nearly 2 months and I still don't have the funds that I need to survive. I have bills that need to be paid and can not do so because Capital One has not restored my funds. A number of my bank accounts were hit and Capital One is the only bank that has not restored my funds and was also the bank that had the highest amount of money that was stolen. I am requesting tha Capital One restores my funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
I made XXXX XXXX aware that our daughter was getting her license and they never charged us for a whole year from XXXX until I noticed she wasn't on our coverage when we went to renew in the beginning of XXXX XXXX. They are trying to back charge me {$1800.00} for that year and while I understand this is common practice, that is not my fault administratively they totally missed it. As well, I was being charged items on my policy that I never agreed to which is the 3rd time this has happened and subsequently went looking for other insurance that ended up being cheaper for the same coverage and no hidden fees.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute one or more bankruptcy listed on my credit report. These entries are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe bankruptcy entries remain on my credit file without proper verification or correction. In some cases, these negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these bankruptcy entries and removal of any entries that can not be substantiated with accurate documentation.

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 2025-10-24 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: NJ

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-24 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: PA

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 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