vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Experian, Equifax, and TransUnion, I am writing to formally dispute multiple late payment entries reported on my credit reports by XXXX and request a thorough reinvestigation under FCRA 15 U.S. Code 1666, 1666a, 611, 623 ( a ) ( 2 ), 605 ( a ), and 609. My review of the reports reveals that the same accounts are reported inconsistently across the three credit bureaus, creating an inaccurate reflection of my repayment history and violating my right to full disclosure. For instance, my XXXX XXXX account shows a balance of {$3700.00} with last activity dated XX/XX/XXXX and late payments of 90 days in XXXX XXXX and 120 days from XXXX XXXX, as reported in Experian, whereas the corresponding accounts in Equifax and TransUnion show differing balances and last activity dates XXXX XXXX {$3700.00} last activity XX/XX/XXXX in Equifax and XXXX XXXX {$3700.00} last activity XX/XX/XXXX in TransUnion ). These discrepancies fail to meet the requirements of FCRA to report accurate, updated, and verifiable information. 
Additionally, a second set of XXXX accounts shows further inconsistencies that materially affect my credit evaluation. XXXX XXXX shows a balance of {$2000.00} with last activity XX/XX/XXXX and late 90- and 120-day delinquencies in Experian, while the corresponding Equifax account XXXX XXXX shows a balance of {$2000.00} with last activity XX/XX/XXXX and last actual activity XX/XX/XXXX, and TransUnion XXXX XXXX XXXX {$2000.00} with last activity XX/XX/XXXX. These inconsistent balances and dates of last activity violate the obligation of furnishers to correct and update information under FCRA 623 ( a ) ( 2 ) and the credit bureaus duty under 611 to reinvestigate disputes promptly, resulting in misleading credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am filing this complaint because WFBNA ( Wells Fargo ) is reporting multiple conflicting and inaccurate details about an old credit card account, and the credit bureaus keep verifying the information even though the data does not match across any of the XXXX reports. 

The Date of Last Activity is different on every bureau one reports XX/XX/year>, another shows XX/XX/year>, and another says XX/XX/year>. These dates can not all be true for the same account. 

The late payment history reported is also completely inconsistent and unrealistic. XXXX bureau reports I was 90 days late 3 times, while another claims 42 times, which is impossible based on the actual timeline of the account. This level of discrepancy shows the data being furnished is not accurate or reliable. 

The account is also reported as Closed due to inactivity and Charged off at the same time, which is contradictory. A creditor can not close an account for inactivity and simultaneously report it as a charge-off with a past due of {$2800.00} and a {$0.00} payment amount. 

I disputed these issues directly with all three credit bureaus multiple times, and each time it came back verified without any correction. I do not believe Wells Fargo or the bureaus conducted a proper FCRA investigation because the errors are still present and the information remains inconsistent and unverifiable. 

I am simply asking for accurate reporting, but right now the account is harming my credit because it contains incorrect dates, incorrect status codes, inconsistent late payments, and contradictory remarks.

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 2025-11-15 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding several accounts and inquiries appearing on my credit reports with Experian, Equifax, and TransUnion that XXXX inaccurate, unverified, inconsistent, and unsubstantiated, despite my prior disputes and formal requests. The accounts in question include XXXX XXXX XXXX XXXXXXXX * * * * *, XXXX XXXX XXXX * * * *, XXXX OF XXXX XXXX * * * * * * * *, XXXX XXXX * * * * * * * *, XXXX XXXX XXXX *, and XXXX XXXX XXXX * * * * * * * *, and the inquiries RMS XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX on Experian. These accounts and inquiries continue to appear without proper verification, documentation, or authorization, with conflicting balances or statuses across the bureaus, in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FDCPA 807 and 809. The continued reporting of these unverified and inaccurate items is misleading, harms my creditworthiness, and misrepresents my financial standing. I am formally requesting the immediate and complete removal of all these accounts and 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 explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing a collection account reported by Portfolio Recovery Associates ( XXXX ) for {$380.00}, allegedly originating from XXXX XXXX. The account shows an open date of XX/XX/XXXX. 

I am filing this complaint because : XXXX. I do not recognize this debt, and Portfolio Recovery Associates has not provided any documentation proving the debt is valid or belongs to me. 
XXXX. I never received a validation notice or itemized bill from XXXX as required under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. XXXX  shows that XXXX claims they completed investigation of FCRA dispute consumer disagrees, but I was never given any actual investigation results or supporting documents. 
XXXX. XXXX is reporting future-dated past due information ( {$380.00} past due as of XX/XX/XXXX ), which is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ). Creditors are required to report factual and current information only. 
XXXX. XXXX is a debt buyer, which means they are required to maintain real, verifiable evidence of the debt, including : Proof the original account existed Proof the debt belongs to me Proof of transfer or sale from XXXX XXXX  A complete itemized accounting None of this has been provided. 
XXXX. Reporting a collection account without proper validation is a violation of both FDCPA and FCRA. 
XXXX. Until XXXX can validate the debt, they should not be furnishing this information to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MI

Complaint narrative:
The following reporting accounts are fraudulent please remove now. Transunion and Experian Credit collections opened XXXX with the following account number XXXX {$440.00} XXXX XXXX XXXXXXXX opened XXXX with the following account number XXXX {$390.00} XXXX XXXX opened XXXX with the following account number XXXX {$9700.00} XXXX XXXX  opened XXXX with the following account number XXXX {$2000.00} XXXX XXXX opened XXXX with the following account number XXXX {$770.00}

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 2025-11-15 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: Chime Financial Inc
State: NC

Complaint narrative:
there was XXXX XXXX  taken out of my chime bank account, and ive tried to dispute the charges and ive gotten the police involved. And they keep denying my disputes. because someone hacked into my account and sent themselves money. 
chime keeps denying my claims to get my money back knowing its fraudulent activity on my account. 
my account said it detected a new login, where i dont even live. i contacted chime they opened a claim and then they closed it and denied it. i just want my money back and this is truly unfair because all i want is my money back. i worked hard for this money and someone can just take it without anyone handling any of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There is a bankruptcy reporting on my credit file that I did not file. I never signed any documents, never submitted a petition, and never received any court notifications for this bankruptcy. 

I requested verification from the credit bureau and asked for : the original bankruptcy petition with my signature direct verification from the bankruptcy court the source of the public record The courthouse does not verify personal bankruptcy information for credit bureaus, and the bureau did not provide any court-verified documents. 

This indicates the bureau is furnishing unverifiable public-record data from a third-party vendor instead of the actual source. Because the information can not be verified with the court, it is inaccurate and must be deleted under FCRA 611.

I am requesting CFPB assistance in ensuring this inaccurate public record is removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There is a bankruptcy reporting on my credit file that I did not file. I never signed any documents, never submitted a petition, and never received any court notifications for this bankruptcy. 

I requested verification from the credit bureau and asked for : the original bankruptcy petition with my signature direct verification from the bankruptcy court the source of the public record The courthouse does not verify personal bankruptcy information for credit bureaus, and the bureau did not provide any court-verified documents. 

This indicates the bureau is furnishing unverifiable public-record data from a third-party vendor instead of the actual source. Because the information can not be verified with the court, it is inaccurate and must be deleted under FCRA 611.

I am requesting CFPB assistance in ensuring this inaccurate public record is removed from my credit 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Violations : 1681e ( b ), 1681s-2 ( a ), 1681i ( a ) Missing charge-off date, no payment history, unverifiable balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-11-15 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: FL

Complaint narrative:
I am submitting this formal complaint regarding the charged-off account reported on my Equifax credit XXXX, XXXX Account XXXX XXXX * * * * with a balance of {$8900.00} * *, which continues to appear despite the absence of proper verification and failure to meet legal reporting requirements. This account lacks a XXXX or any official documentation demonstrating its legitimacy, making its reporting inaccurate, misleading, and in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy. Despite prior disputes and repeated requests for validation, Equifax continues to report this unverified and improperly substantiated debt, thereby harming my creditworthiness and violating my federally protected rights. I am requesting that Equifax remove this account from my credit report immediately and cease reporting it in any form, as continued reporting constitutes a further violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am formally notifying you that I have been identified as a victim of the Equifax data breach, which has resulted in the theft of my identity. 

Under my rights as outlined in FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to request the immediate removal of any fraudulent or inaccurate information from my credit report that stems from identity theft.

This regulation requires credit reporting agencies to act promptly and ensure that such deletions occur within four ( 4 ) business days of receiving proper notification.

I respectfully demand full enforcement of these consumer protections and request confirmation once the fraudulent information has been removed.

Thank you for your immediate 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 explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am formally notifying you that I have been identified as a victim of the Equifax data breach, which has resulted in the theft of my identity. 

Under my rights as outlined in FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to request the immediate removal of any fraudulent or inaccurate information from my credit report that stems from identity theft.

This regulation requires credit reporting agencies to act promptly and ensure that such deletions occur within four ( 4 ) business days of receiving proper notification.

I respectfully demand full enforcement of these consumer protections and request confirmation once the fraudulent information has been removed.

Thank you for your immediate 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 explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NY

Complaint narrative:
I tried to order food with my Cashapp card. The order was canceled due to an error with the mobile app of the restaurant I was trying to order from. My card was still charged. I have tried to resolve this with Cashapp and get my money back since the order never went through. They denied my dispute and my appeal. I had to reorder with another card as seen in the documents. And was charged twice for one order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a complaint XXXX and you closed the complaint without a response from Bank Of America 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 2025-11-15 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: MicroBilt / PRBC (formerly CL Verify)
State: VA

Complaint narrative:
Complaint Summary / Narrative : I am submitting this complaint regarding inaccurate and unverifiable reporting by the above specialty credit reporting agencies. My experience includes : Cross-Bureau Conflicts : Multiple accounts are reported inconsistently across bureaus ( balance, status, high credit, dates opened/closed, payment history ). For example : XXXX XXXX XXXX : XXXX  last reported XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX. Last active dates and payment history do not match. 

I have attached statements and screenshots documenting these conflicts. 

Late-Payment / Status Defects : Certain accounts report late payments or 30/60/90-day markers without full supporting ledger documentation. Some lates are reported after payoff dates or after account closure, violating XXXX XXXX rules. 

Unauthorized Hard Inquiries : Multiple hard inquiries have been pulled without my authorization, including : XXXX | XXXX | XX/XX/XXXX XXXX  | XXXX  | XX/XX/XXXX XXXX  | XXXX | XX/XX/XXXX [ Full list attached ] Banking File / Specialty File Errors : Accounts reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX contain unverifiable or inconsistent data. 

I demand a full Method of Verification ( MOV ) for each account, including furnisher/member code, account numbers, dates, and supporting documentation.

Identity-Theft / Mixed File Concerns : While I have not reported an active identity-theft case for these accounts, there are indicators of mixed-file errors, such as duplicate reporting, unfamiliar accounts, and mismatched addresses or SSNs. These must be blocked or corrected per FCRA 605B until verified. 

Personal Information Hygiene : I request that only my correct legal name ( XXXX XXXX ) and current address appear on all files. All other variants, outdated addresses, and outdated personal info must be deleted.

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 2025-11-15 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: VA

Complaint narrative:
Complaint Summary / Narrative : I am submitting this complaint regarding inaccurate and unverifiable reporting by the above specialty credit reporting agencies. My experience includes : Cross-Bureau Conflicts : Multiple accounts are reported inconsistently across bureaus ( balance, status, high credit, dates opened/closed, payment history ). For example : XXXX XXXX Mortgage : TransUnion last reported XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. Last active dates and payment history do not match. 

I have attached statements and screenshots documenting these conflicts. 

Late-Payment / Status Defects : Certain accounts report late payments or XXXX markers without full supporting ledger documentation. Some lates are reported after payoff dates or after account closure, violating XXXX XXXX rules. 

Unauthorized Hard Inquiries : Multiple hard inquiries have been pulled without my authorization, including : XXXX  | XXXX | XX/XX/XXXX TransUnion | XXXX  | XX/XX/XXXX XXXX  | XXXX | XX/XX/XXXX [ Full list attached ] Banking File / Specialty File Errors : Accounts reported in XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX, and XXXX contain unverifiable or inconsistent data. 

I demand a full Method of Verification ( MOV ) for each account, including furnisher/member code, account numbers, dates, and supporting documentation. 

Identity-Theft / Mixed File Concerns : While I have not reported an active identity-theft case for these accounts, there are indicators of mixed-file errors, such as duplicate reporting, unfamiliar accounts, and mismatched addresses or SSNs. These must be blocked or corrected per FCRA 605B until verified. 

Personal Information Hygiene : I request that only my correct legal name ( XXXX XXXX ) and current address appear on all files. All other variants, outdated addresses, and outdated personal info must be deleted.

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