vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
I recently submitted a dispute to XXXX  regarding an inaccurately reported late payment on my credit report. Following the investigation, XXXX stated that the account in question had been updated. However, upon review, no visible changes were made to the reporting, and the late payment remains reflected on the account. 

In contrast, both XXXX and TransUnion conducted their own investigations into the same account and concluded there was no late payment. They promptly updated their records to reflect this finding. Given that all three credit bureaus rely on the same data sources provided by the creditor, it is unclear how XXXX investigation yielded a different result. 

This inconsistency raises concerns about the thoroughness and accuracy of XXXX investigation process. I am requesting a reinvestigation into this matter and a correction to ensure my credit report accurately reflects my payment history, consistent with the updates made by XXXX  and TransUnion.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo has deleted all access to my accounts. I went round and round with them to transfer money from one account which they refused for several days. I accused them of stealing my money from a brokerage account which they did and I finally got it back and then they locked all access to my checking account savings account and credit card

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 2025-06-07 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: TX

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complainant Information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XXXX Complaint Details : I am filing this complaint because Experian is reporting inaccurate and unfair negative information on my credit report regarding the following account : - Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX [ XXXX XXXX XXXX ] - Account Type : Secured Card - Date Opened : XX/XX/XXXX - Current Status : XXXX, XXXX - XXXX Payment History : XXXX late payment reported in XX/XX/XXXX This account has been fully paid and closed, and the reported late payment does not accurately reflect my overall payment behavior or intent. This derogatory mark is unjustified and does not provide a complete or fair representation of my creditworthiness. I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which requires the credit bureau to remove unverifiable or inaccurate information. 
I submitted a formal dispute directly to Experian and included valid identification and proof of address. I have requested that Experian conduct a full investigation and remove the late payment if it can not be verified with original documentation from the creditor. Despite this, the information remains on my report. 
I am now requesting CFPBs assistance in ensuring that Experian complies with federal law by removing this unjustified derogatory remark from my credit file. This situation is impacting my financial well-being and access to fair credit opportunities. 

Requested Resolution : Immediate deletion of the XXXX late payment reported in XX/XX/XXXX on the XXXX XXXX XXXXXXXX account XXXX my Experian credit report. 

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I opened an account with Montgomery wards around XX/XX/2020 and upon my request several times change the date to make my payments on the phone the company never responded then I notice that they had reported to the credit bureau a late payment after I had already made my payment on time I have contacted the credit bureau about this in did several disputes to correct it also I contacted Montgomery Wards several times again that they send me out the statement and original agreement along with my first request to change my payment date from the one in which they first given me over the phone to this date I have yet to receive a statement or a bill I have no knowledge of the account information in writing because they severed provided it to me and I have not used the credit in which that they claim that I have and the reported credit that is being reported was not the credit that I was given over the phone I havent closed the account I just dont use it because I no longer want to make any transactions through them I have good to excellent credit no late payments other than the err in which the credit bureau is reporting because of this inaccuracy I need help because they refuse to remove it and that is why I am filing the dispute with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This company was sent a letter to provide original contract where signed and was obligated to pay them on this alleged debt. The company did not respond and this item was removed from my credit report. The company then was able to put the exact item back on my credit report 5 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, a charge of around {$15000.00} appeared on my XXXX card at a venue listed as XXXX XXXX. I had authorized a small charge to enter the venue, but my card was later taken and used without permission for multiple high-dollar transactions. These were not made by me. 

I filed a fraud dispute and followed XXXX instructions, including being told not to make payments while the matter was under review. Despite this, XXXX denied the claim based solely on the fact that the merchant matched a prior authorized charge. They then reported my account as 60 days late, which severely damaged my credit. 

I was told the matter could be revisited later, so I ultimately paid the full balanceincluding the fraudulent chargesjust to avoid further harm to my credit. I was devastated, but felt I had no other option. 

The statement clearly shows multiple charges on the same day to the same merchant ( all labeled XXXX XXXX ), with separate transactions for {$5300.00}, {$3600.00}, {$1800.00}, and more. This is a classic fraud pattern. Yet XXXX treated it as valid without deeper review. 

I am a veteran and small business owner, and this negative mark has hurt my ability to get financing and grow. I was also in mortgage forbearance in early XXXX due to COVID-related hardship. Despite this, XXXX never applied any flexibility or CARES Act accommodations. 

Ive sent multiple goodwill requests asking XXXX to remove the 60-day late payment from my credit reports, but theyve refusedand I can no longer dispute it through the bureaus. Im asking for CFPB support to remove this mark due to mishandled fraud, misleading payment guidance, and failure to accommodate hardship during a national crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, a charge of around {$15000.00} appeared on my XXXX card at a venue listed as XXXX XXXX. I had authorized a small charge to enter the venue, but my card was later taken and used without permission for multiple high-dollar transactions. These were not made by me. 

I filed a fraud dispute and followed XXXX instructions, including being told not to make payments while the matter was under review. Despite this, XXXX denied the claim based solely on the fact that the merchant matched a prior authorized charge. They then reported my account as 60 days late, which severely damaged my credit. 

I was told the matter could be revisited later, so I ultimately paid the full balanceincluding the fraudulent chargesjust to avoid further harm to my credit. I was devastated, but felt I had no other option. 

The statement clearly shows multiple charges on the same day to the same merchant ( all labeled XXXX XXXX  ), with separate transactions for {$5300.00}, {$3600.00}, {$1800.00}, and more. This is a classic fraud pattern. Yet XXXX treated it as valid without deeper review. 

I am a veteran and small business owner, and this negative mark has hurt my ability to get financing and grow. I was also in mortgage forbearance in early XX/XX/2020due to COVID-related hardship. Despite this, XXXX never applied any flexibility or CARES Act accommodations. 

Ive sent multiple goodwill requests asking XXXX to remove the 60-day late payment from my credit reports, but theyve refusedand I can no longer dispute it through the bureaus. Im asking for CFPB support to remove this mark due to mishandled fraud, misleading payment guidance, and failure to accommodate hardship during a national crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, a charge of around {$15000.00} appeared on my XXXX card at a venue listed as XXXX XXXX. I had authorized a small charge to enter the venue, but my card was later taken and used without permission for multiple high-dollar transactions. These were not made by me. 

I filed a fraud dispute and followed XXXX instructions, including being told not to make payments while the matter was under review. Despite this, XXXX denied the claim based solely on the fact that the merchant matched a prior authorized charge. They then reported my account as 60 days late, which severely damaged my credit. 

I was told the matter could be revisited later, so I ultimately paid the full balanceincluding the fraudulent chargesjust to avoid further harm to my credit. I was devastated, but felt I had no other option. 

The statement clearly shows multiple charges on the same day to the same merchant ( all labeled XXXX XXXX  ), with separate transactions for {$5300.00}, {$3600.00}, {$1800.00}, and more. This is a classic fraud pattern. Yet XXXX treated it as valid without deeper review. 

I am a veteran and small business owner, and this negative mark has hurt my ability to get financing and grow. I was also in mortgage forbearance in early XX/XX/2020due to COVID-related hardship. Despite this, XXXX never applied any flexibility or CARES Act accommodations. 

Ive sent multiple goodwill requests asking XXXX to remove the 60-day late payment from my credit reports, but theyve refusedand I can no longer dispute it through the bureaus. Im asking for CFPB support to remove this mark due to mishandled fraud, misleading payment guidance, and failure to accommodate hardship during a national crisis.

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 2025-06-08 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: AL

Complaint narrative:
XX/XX/year>, I opened a dispute with Experian, after uploading supporting documents, from XXXX XXXX stating they will remove account from credit report once paid. Experian did not properly investigate this matter. XX/XX/year> they only updated my report to the statement settled 15 U.S. Code 1681i ( a )

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 2025-06-07 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission. My grievance is directed towards Experian, Transunion, and Eqifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
Accounts XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-07 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission. My grievance is directed towards Experian, Transunion, and Eqifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
Accounts XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
" They are reporting a {$3600.00} debt I do not owe. I disputed it and asked for proof, but they didnt provide it. The debt was last reported on XX/XX/year>. I want this incorrect debt removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I found hundreds of soft inquiries from XXXX XXXX on my official Experian credit report, occurring nearly daily for over a year. While Experian states soft inquiries do not impact credit scores, the volume and frequency are excessive and raise serious privacy and reputational concerns. 

I attempted to dispute these inquiries through Experians online portal, but they do not allow soft inquiry disputes. I am requesting CFPB assistance in getting Experian to : Review the legitimacy and necessity of this volume of soft pulls Limit or block further abuse by the same entity Provide a formal response confirming their position

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit reports and discovered multiple hard inquiries that I did not authorize. I have no prior relationship with the following companies and did not submit any credit applications involving them : XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian These inquiries were made without my knowledge, authorization, or consent. I have reason to believe that they are the result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 3 ), a credit report may only be accessed with a permissible purpose and the consumers consent. These inquiries clearly violate that provision.

Furthermore, under FCRA Section 605B, I have the right to block and request removal of any information resulting from identity theft. I have already taken the following steps : Filed an official Identity Theft Report with the FTC.

Placed fraud alerts with the major credit bureaus ( Experian, TransUnion, Equifax ).

Begun contacting the credit bureaus to dispute the unauthorized inquiries. 
I am formally requesting that the CFPB investigate these inquiries and require the involved furnishers and credit reporting agencies to take appropriate corrective action, including the immediate removal of these unauthorized inquiries from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit reports and discovered multiple hard inquiries that I did not authorize. I have no prior relationship with the following companies and did not submit any credit applications involving them : XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian These inquiries were made without my knowledge, authorization, or consent. I have reason to believe that they are the result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 3 ), a credit report may only be accessed with a permissible purpose and the consumers consent. These inquiries clearly violate that provision.

Furthermore, under FCRA Section 605B, I have the right to block and request removal of any information resulting from identity theft. I have already taken the following steps : Filed an official Identity Theft Report with the FTC.

Placed fraud alerts with the major credit bureaus ( Experian, TransUnion, Equifax ).

Begun contacting the credit bureaus to dispute the unauthorized inquiries. 
I am formally requesting that the CFPB investigate these inquiries and require the involved furnishers and credit reporting agencies to take appropriate corrective action, including the immediate removal of these unauthorized inquiries from my credit 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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern recently I obtained a copy of my credit report and notice that you are reporting inaccurate information in the personal information section. I have already contacted the creditor and updated my information they do not have this address on file. 
Please remove any other information you are currently reporting as it is not accurate, I have attached my identification card as well as a copy of my utility bill for your verification. 
Sincerely

Company response to consumer: Closed with explanation