vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint regarding a credit card account that was resolved and settled through the courts, yet it continues to appear on my credit report.

The legal matter related to this account has been fully resolved, and there is no remaining obligation owed. However, the account is still being reported, which is inaccurate and misleading.

The continued reporting of this account does not reflect the legal resolution of the debt. Reporting an account as active, delinquent or with a balance after a court settlement is inaccurate credit reporting and is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I recently reviewed my consumer credit report and discovered multiple billing errors that fall squarely under XXXX XXXX. XXXX ( b ), including the creditors failure to properly credit payments I made and apparent accounting or computation errors. I was never provided a billing statement at least 21 days prior to any alleged due date, as required by law, yet this account was still reported with late payments. Because proper notice was not given, any reporting of delinquency is inaccurate and unlawful. I am requesting concrete, verifiable proof from the creditorspecifically bank-level payment recordsdemonstrating that I failed to make a required payment. In the absence of such proof, these late payments constitute billing errors and must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Could you review this entry quickly? It might be late and flawed.

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 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: DailyPay, Inc
State: NY

Complaint narrative:
I Was supposed to get the remaining balance of my paycheck, which was {$91.00} because I closed my account because they give me what they wan na give me when they when of my pay checkXXXX they took my {$91.00} and saying that is part of a XXXX that I owe next week next week is showing that. They still gon na take XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I notified Bridgecrest that I was voluntarily surrendering my vehicle and provided the vehicles exact location at a dealership. 

Bridgecrest representatives verbally acknowledged the voluntary surrender and documented it in internal account notes but failed to retrieve the vehicle or provide written confirmation. 

Bridgecrest is now claiming the vehicle was abandoned solely because it was located at a dealership and a balance remained owed, despite their prior acknowledgment of the surrender. 

A remaining balance does not invalidate a voluntary surrender. 

Bridgecrests refusal to retrieve the vehicle and reliance on internal policy contradicts their own records and has resulted in the dealership threatening abandonment and lien-sale proceedings against me. 

Bridgecrests inconsistent statements and failure to act are causing improper legal threats and financial harm. 

I am requesting immediate written confirmation that Bridgecrest accepts possession and is coordinating retrieval of the vehicle, or a written explanation reconciling their acknowledgment of surrender with their current denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

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 XXXX 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 2025-12-26 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: IL

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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MI

Complaint narrative:
The furnisher and bureau retroactively altered my payment history, escalating prior months from current to delinquent and reporting a charge-off without providing a lawful method of verification. 

No documentation, source records, or verification procedures were provided for the newly reported delinquencies. Updating information does not satisfy FCRA XXXX. 

Because the information can not be verified and materially worsens my credit profile, continued reporting violates FCRA 1681e ( b ).

I am not satisfied with this response and request deletion.

This account is reported with a {$0.00} balance yet reflects delinquency and unknown payment status.

The reporting is incomplete, misleading, and internally inconsistent, especially in light of a Chapter 7 discharge. No method of verification was provided.

If the information can not be accurately and completely verified, deletion is required under FCRA 1681e ( b ). 

This account is paid in full and reports 0/0/0 late, yet displays derogatory indicators and inconsistent payment history grids.

The bureau failed to provide a method of verification explaining these inconsistencies. Reporting incomplete or contradictory information violates FCRA accuracy requirements.

I am requesting deletion due to unverifiable and misleading reporting.

Equifax and Experian have removed this Chapter 7 bankruptcy due to lack of verifiable public record sourcing.

TransUnion has failed to independently verify this public record and has not provided the court source, date accessed, or verification procedure.

Continued reporting is inaccurate and unlawful under FCRA 1681e ( b ). If TransUnion can not provide full verification, deletion is required immediately.

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 2025-12-26 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 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 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 2025-12-26 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: NY

Complaint narrative:
TransUnion is reporting inaccurate and harmful information on my credit file for XXXX XXXX XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX  The tradeline is reported as Paid with a {$0.00} balance, however TransUnion is also reporting adverse data including the comment Settled less than full balance and a derogatory payment history marker 30 ( 30-days late ) around XX/XX/year>. These fields are disputed as inaccurate and/or incomplete and are materially damaging my credit profile. 

I am requesting a reasonable reinvestigation and that TransUnion require the furnisher to provide competent, account-level documentation supporting each disputed field, including the complete payment history/statement-cycle evidence, the basis for any delinquency coding, and documentation supporting the settled remark for this specific account. If TransUnion can not fully verify these disputed fields as accurate, they must be corrected or deleted from my TransUnion report.

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 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I found a breeder on a website I typically use to locate breeders. I reached out to the breeder via text and phone about her pups while on the phone the breeder request a hold deposit as the puppies werent XXXX weeks yet. On or about XX/XX/XXXX I made a XXXX $ payment to XXXX XXXX via cash app. This was part of a XXXX $ deposit needed to hold XXXX puppies for XXXX as they were not ready. I had to split payments as my husband got paid on XX/XX/XXXX I made XXXX more payments in the amounts of XXXX XXXX XXXX $ and XXXX XXXX On XX/XX/XXXX I reached out to the breeder via text asking if the next day Saturday was still okay to come and for her to confirm her address again as well would be traveling XXXX hours away. The day of the pickup I called multiple times with no response but still took the drive upon arrival no one answered the door. I then put in a dispute with cash app. The first time they were denied I then appealed. But was advised to file a scam report. On XX/XX/XXXX the {$140.00} was returned back into my account however the {$500.00} {$400.00} and {$10.00} were denied. I was then told because I reported as a scam and not a dispute I would not be reimbursed the {$910.00} back. Which is what Ive called daily and emailed about since XX/XX/XXXX. Im confused as towards if one portion of the transaction was approved why the whole amount wasnt approved. And why I was told to file a scam report and not a dispute. Since the original denial for weeks asked for proof of how the denial was determined and received basically a ledger of the transaction with no actual evidence as towards why one portion was approved but the other not. I feel as if Ive been scammed twice instead of just once. For them to withhold the information I requested then ignore emails and tell me to file a scam report instead of a dispute report to receive back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Hello I was planning to go out of the country this week and needed to convert some money with Wise. I have never had issues with converting money right away with them until now. I was told that it would take XXXX business days for the money to get to them and get converted. The next day the money was subtracted and posted on my XXXX account that Wise received the money. After a couple of days of the money not posting, I contacted Wise and they advised me to cancel my transaction. After doing this, the money is not return to my XXXX account. Instead, Wise now says I still have to wait 7 days plus now XXXX more to get a refund. I asked for confirmation and received nothing. There is no record of a transaction or a cancellation. I spoke with XXXX who said the mint should have posted back to my account, but its gone. This was over XXXX dollars just missing. Wise if not being truthful about their policies and now my money is gone and no one knows where.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Cc : TransUnion, XXXX, XXXX  XXXX XXXX XXXX : Dispute and Request for Deletion of Unvalidated Debt XXXX XXXX XXXX Dear CFPB and Concerned Parties, I am filing a formal dispute regarding an alleged debt reported by XXXX  XXXX XXXX to TransUnion and XXXX  under my name, XXXX XXXX XXXX. 

After careful review, the alleged debt is not properly validated. The documentation provided by XXXX  XXXX XXXX and their legal representatives is insufficient and fails to meet the standards required under the law. 

Key points of dispute and request for deletion : 1. Lack of Proper Debt Validation : XXXX  XXXX XXXX has not provided a full accounting of the debt from its origin, nor have they demonstrated that the amount claimed is legally owed. This violates the Fair Debt Collection Practices Act ( FDCPA ). 
2. Inaccurate and Misleading Disclosures : The documents fail to clearly explain the interest calculation and the terms of the debt, which is a violation of the Truth in Lending Act ( TILA ).

3. Dispute of Unverified Reporting : Since the debt is not properly validated, continuing to report it to TransUnion and XXXX  is a violation of the Fair Credit Reporting Act ( FCRA ). Therefore, I am requesting that this unvalidated debt be deleted from my credit reports.

4. Request for Deletion : Due to the lack of proper validation and the inaccuracies in reporting, I request that this debt be permanently removed from my credit reports with TransUnion and XXXX.

In summary, XXXX  XXXX XXXX has not met its legal obligations to validate this debt. Until proper validation is provided, this account should not be reported. I ask the CFPB to ensure that TransUnion and XXXX  delete this unvalidated account and that XXXX  XXXX XXXX ceases all improper reporting. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-12-26 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: GA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence.

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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