vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
Equifax has now changed my payment history again as of XX/XX/XXXX and is reporting XXXX and XX/XX/XXXX as 30 days late, followed by XX/XX/XXXX as 60 days late and XX/XX/XXXX as 90 days late. This sequence is inaccurate and mathematically impossible under Metro-2 and CDIA standards. A consumer can not be reported as 30 days late for two consecutive months ( March and April ), because a 30-day late is only reported for the first full billing cycle missed. If XXXX was truly 30 days late, XXXX would need to be reported as 60 days late. The progression Equifax shows ( 30 30 60 90 ) does not match real billing cycles and violates the FCRAs 1681e ( b ) requirement of maximum possible accuracy. Additionally, Equifax has changed the payment history multiple timesfirst reporting 60-, 60-, 90-, and 120-day lates back in XXXX, and now reporting an entirely different sequence after my latest dispute. This inconsistency shows that the information is not properly being verified and that Equifax failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i. I am requesting that the CFPB require Equifax to provide documentation proving each late payment or delete the inaccurate derogatory information in accordance with 1681i ( a ) ( 5 ) immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within XXXX ( XXXX ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XX/XX/XXXX XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than XXXX year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over XX/XX/XXXX days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
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 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 2025-11-28 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone wired my Wells Fargo account and attached it to their Wells Fargo and stolen my {$390.00} school money on XX/XX/XXXX. Wells Fargo didn't stop them from doing ok I had complained about this issue to Wells Fargo and they didn't replaced the money that was stolen from my savings account after they stopped the investigation. As a result I had to shut down my account

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 2025-11-28 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: SC

Complaint narrative:
I am writing this letter because my credit report is showing information that is not accurate, and I need these issues investigated and corrected. There are two addresses listed that do not belong to me and I have never lived at those locations : XXXX XXXX, XXXX, SC XXXX and XXXX XXXX, XXXX, SC XXXX. I want these addresses removed from my credit report because they are wrong. Also, multiple accounts are showing late payments, but I believe this is incorrect since I do not remember paying late on these accounts. The accounts showing inaccurate late payment history are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I am requesting verification and proof of these late payments, and if proof can not be provided, then the payment history should be corrected to show on-time payments. In addition to this, there are two credit inquiries from XXXX XXXX dated XX/XX/year> and XX/XX/year> that I do not remember authorizing. I am asking that these inquiries be verified, and if no authorization or proper documentation exists, they should be removed. I respectfully ask for a full investigation into these items and a correction of the inaccurate information showing on my credit report, as it is affecting my credit standing. Please notify me with the results once the investigation is finished. Thank you.

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 2025-11-28 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: LA

Complaint narrative:
I am disputing the late payment reporting on my account because the information being furnished is inaccurate and not properly verified. Under the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be complete, accurate, and verifiable. I contacted the furnisher and the credit bureaus to request verification of the alleged late payment, including proof of the due date, payment history, and any notices sent. To date, no proper documentation has been provided to validate the late payment. 

Because the furnisher has failed to provide evidence confirming the accuracy of this derogatory entry, the continued reporting of this late payment is causing harm to my credit standing and violates FCRA 602, 607 ( b ), and 611 ( a ), which require fair, accurate, and fully verifiable reporting.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
TRUIST let about {$9000.00} get withdrawn from my checking account without my authorization and will not refund my money. I would like a full investigation into my checking account and you to enforce that TRUIST followed the terms I signed up when I opened up my checking account. I would like you to force TRUIST to sent me a bank cashier 's check to my address XXXX XXXX XXXX XXXX TN XXXX as soon as possible via overnight mail post your review. Why does it take so many complaints to get a bank to comply with the Fed 's rules and regulations? Is one of the regulations properly accounting for a customer 's money accurately? 

Please force TRUIST to give me the money some vendors fraudulently took from me as soon as possible via a bank cashier 's check sent via overnight mail to my address at XXXX XXXX XXXX, XXXX TN XXXX. 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 explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are multiple errors on my credit report that I can no longer overlook. These inaccuracies have been harming my credit score and preventing me from achieving financial freedom and stability. This ongoing issue has caused significant stress, and I need it addressed without further delay.

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 2025-11-28 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : DEMAND FOR FEDERAL ACTION Willful FCRA & Regulation F Violations by XXXX XXXX XXXX XXXX XXXX XXXX To the CFPB Enforcement Division : I am filing this complaint because XXXX XXXX XXXX XXXX  XXXX, along with TransUnion, Experian, and Equifax, are reporting false, conflicting, and unverified information, constituting willful violations of the FCRA, Regulation F, and Florida consumer protection laws. 

Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Account in Violation : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Reported Balance : {$1600.00} Last Payment : XX/XX/XXXX Status : Charge-off Closed : XX/XX/XXXX VIOLATIONS ( DETAILED ) : 1. FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy Each bureau reports different dates, different statuses, and inconsistent payment histories, proving the furnisher failed to supply accurate, verified data. 

2. FCRA 1681i Failure to Properly Reinvestigate Previous Disputes The consumer disputed the account, yet XXXX Bank and the bureaus reinserted or maintained inaccurate data, without providing any method of verification, violating federal requirements. 

3. Regulation F ( 12 CFR 1006.34 ) Failure to Provide Required Validation Information XXXX Bank never provided complete validation, nor did they comply with the itemization date requirement. Reporting a charge-off without proof of ownership or proper accounting is a direct violation. 

4. Florida Consumer Collection Practices Act ( FCCPA, Fla. Stat. 559.72 ) Florida law prohibits furnishing false, misleading, or unverified information to a credit bureau. XXXX Banks reporting meets this definition. 

5. Potential Willful Noncompliance ( FCRA XXXX ) The repeated inconsistencies, after prior disputes, demonstrate intentional disregard for federal law. 

DEMAND FOR FEDERAL INTERVENTION I formally request that the CFPB : Launch an immediate federal investigation into XXXX XXXX XXXX XXXX ( XXXX XXXX ), TransUnion, Experian, and Equifax. 

Obtain full documentation and validation, including the complete accounting records required by Regulation F. 

Order the deletion or correction of all information that can not be legally verified. 

Require written confirmation of all actions taken. 

Failure of the furnisher to comply must result in penalties, as allowed under federal law, for willful reporting violations. 

Sincerely, 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 2025-11-28 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 ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : DEMAND FOR FEDERAL ACTION Willful FCRA & Regulation F Violations by XXXX XXXX XXXX XXXX XXXX XXXX To the CFPB Enforcement Division : I am filing this complaint because XXXX XXXX XXXX XXXX  XXXX, along with TransUnion, Experian, and Equifax, are reporting false, conflicting, and unverified information, constituting willful violations of the FCRA, Regulation F, and Florida consumer protection laws. 

Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Account in Violation : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Reported Balance : {$1600.00} Last Payment : XX/XX/XXXX Status : Charge-off Closed : XX/XX/XXXX VIOLATIONS ( DETAILED ) : 1. FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy Each bureau reports different dates, different statuses, and inconsistent payment histories, proving the furnisher failed to supply accurate, verified data. 

2. FCRA 1681i Failure to Properly Reinvestigate Previous Disputes The consumer disputed the account, yet XXXX Bank and the bureaus reinserted or maintained inaccurate data, without providing any method of verification, violating federal requirements. 

3. Regulation F ( 12 CFR 1006.34 ) Failure to Provide Required Validation Information XXXX Bank never provided complete validation, nor did they comply with the itemization date requirement. Reporting a charge-off without proof of ownership or proper accounting is a direct violation. 

4. Florida Consumer Collection Practices Act ( FCCPA, Fla. Stat. 559.72 ) Florida law prohibits furnishing false, misleading, or unverified information to a credit bureau. XXXX Banks reporting meets this definition. 

5. Potential Willful Noncompliance ( FCRA XXXX ) The repeated inconsistencies, after prior disputes, demonstrate intentional disregard for federal law. 

DEMAND FOR FEDERAL INTERVENTION I formally request that the CFPB : Launch an immediate federal investigation into XXXX XXXX XXXX XXXX ( XXXX XXXX ), TransUnion, Experian, and Equifax. 

Obtain full documentation and validation, including the complete accounting records required by Regulation F. 

Order the deletion or correction of all information that can not be legally verified. 

Require written confirmation of all actions taken. 

Failure of the furnisher to comply must result in penalties, as allowed under federal law, for willful reporting violations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: DC

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
Consumer complaint received 2025-11-28 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: WI

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX  days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-28 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:
To : Consumer Financial Protection Bureau RE : Credit Furnisher Violations & Request for Investigation, Deletion & Damages I am filing a formal complaint against multiple furnishers and CRAs for inaccurate, misleading, duplicative, and unlawful credit reporting. These accounts contain violations of the FCRA, FDCPA, and XXXX reporting standards. 
ACCOUNT # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Reporting Issues : - Multiple conflicting statuses across bureaus. 
- Charge-off + collection + closed + open. 
- Purchased by another lender and re-reported. 
- Duplicate reporting across bureaus. 
Violations : - FCRA 1681e ( b ) - FCRA 1681i - FCRA 1681s-2 ( a ) - FDCPA 807 & 808 - XXXX XXXX debt = XXXX tradeline rule Case Law : - XXXX XXXX TransUnion - XXXX XXXX Equifax - XXXX XXXX XXXX & XXXX Required Action : I demand full deletion and legal remedies. 
ACCOUNT # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Reporting Issues : - Reported as collection with {$0.00} balance.

- Reported open and late XXXX  days. 
- Dispute remark is inaccurate. 
Violations : - FCRA 1681e ( b ) - FCRA 1681i - FDCPA 807 - FDCPA 808 - XXXX formatting violations Required Action : This account must be deleted due to failure to verify consistent data. 
ACCOUNT # XXXX DUPLICATE XXXX PURCHASE ACCOUNT Acct # XXXXXXXX XXXX XXXX XXXX  Reporting Issues :- Same debt reported as separate accounts. 
- Charge-off + collection + transferred. 
- Conflicting payment and status history. 
Violations : - FCRA 1681e ( b ) - FCRA 1681i - XXXX : XXXX debt = XXXX account rule - FDCPA 807 Required Action : This account must be immediately removed. 
REQUEST FOR CFPB INTERVENTION I am requesting : XXXX. Permanent deletion of every account listed above. 
XXXX. CRA correction of information. 
XXXX. Written results of investigation. 
XXXX. Damages under FCRA/FDCPA for negligent and willful reporting. 
LEGAL BASIS FOR REMOVAL These furnishers failed to maintain maximum possible accuracy under the following laws : - FCRA 15 U.S.C. 1681e ( b ) - FCRA 15 U.S.C. 1681i - FDCPA 15 U.S.C. 1692e - FDCPA 15 U.S.C. 1692f - Metro-2 CRRG guidelines 2.2, 2.6, 6.2 DEMAND I demand : - Immediate deletion - Cease furnishing inaccurate data - Confirmation in writing Failure to remove these accounts is continued willful violation under FCRA 1681n & 1681o.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation