vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting by XXXX XXXX. This is a formal challenge to the previous mishandling of my original dispute regarding the Regions Mortgage account. 

The failure to correct or delete inaccurate, incomplete, and inconsistent data across all three credit bureaus violates the obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and shows a lack of proper reinvestigation under law.

The mortgage account in question contains the following verified discrepancies between Experian, Equifax, and TransUnion : Conflicting payment history entries : XXXX XXXX XXXX XXXX Status misreported ( e.g., open vs. closed ) XXXX XXXX Inconsistent monthly payment amounts XXXX XXXX Different dates of last activity XXXX XXXX Unmatched balance amounts XXXX XXXX  Wrong payment status. 

These conflicting entries show the data is inherently unreliable and unverifiable. Under FCRA 1681a, this mortgage is a specific transaction that can not be included in a consumer report unless it meets strict accuracy standards. It clearly does not.

Additionally, under 15 U.S.C. 6802, credit bureaus are obligated to safeguard and lawfully disclose personal financial information. Sharing incorrect and inconsistent data across third parties is a violation of this statute. 

I instructed the bureaus not to use XXXX  any automated system, or any third-party platform to process this challenge. They were required to conduct a manual review and reinvestigation as mandated by federal 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting by XXXX XXXX. This is a formal challenge to the previous mishandling of my original dispute regarding the Regions Mortgage account. 

The failure to correct or delete inaccurate, incomplete, and inconsistent data across all three credit bureaus violates the obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and shows a lack of proper reinvestigation under law.

The mortgage account in question contains the following verified discrepancies between Experian, Equifax, and TransUnion : Conflicting payment history entries : XXXX XXXX XXXX XXXX Status misreported ( e.g., open vs. closed ) XXXX XXXX Inconsistent monthly payment amounts XXXX XXXX Different dates of last activity XXXX XXXX Unmatched balance amounts XXXX XXXX  Wrong payment status. 

These conflicting entries show the data is inherently unreliable and unverifiable. Under FCRA 1681a, this mortgage is a specific transaction that can not be included in a consumer report unless it meets strict accuracy standards. It clearly does not.

Additionally, under 15 U.S.C. 6802, credit bureaus are obligated to safeguard and lawfully disclose personal financial information. Sharing incorrect and inconsistent data across third parties is a violation of this statute. 

I instructed the bureaus not to use XXXX  any automated system, or any third-party platform to process this challenge. They were required to conduct a manual review and reinvestigation as mandated by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I received from XXXX and XXXX a notification that Capital One has reported my account as over or at the credit limit for {$25.00}. 

This account has been closed for some time, and I do not understand how a report for an over-the-credit-limit balance of {$25.00} is still being generated, considering the account is closed. 

I contacted Capital One on XX/XX/year>, to ask if this account was open, and they said no. They said the {$25.00} is not from them must be from another creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and misleading information being furnished and reported on my credit reports by both federal student loan servicers and the three major credit reporting agencies ( Experian, Equifax, and TransUnion ). 
Several student loan accounts are being reported more than once under different names for example, as Dept of EducationXXXX, DeptEdXXXX, and Dept of Ed but reflect the same balances, open dates, and status remarks. This causes double-reporting of the same debt, artificially inflates my outstanding student loan balances, and misrepresents my creditworthiness. 
Additionally, payment history is being misrepresented. During periods of federal forbearance under the CARES Act, when no payments were required or due, many credit reports are showing Unknown payment history or blank months. This is being used by credit scoring models ( including XXXX and XXXX ) to suppress my on-time payment percentage, even though no payments were required and the loans were never delinquent. In contrast, my Experian history correctly shows these periods as " green '' or neutral highlighting the inconsistency across furnishers and CRAs. 
There are also mathematical errors on multiple tradelines. For example, I am shown as having paid off 10 % or 11 % of a loan meaning the current balance is reported as higher than the highest balance, which is impossible and demonstrably false. 
Further, some tradelines are coded with No Info for payment status while also stating Payment Deferred in the remarks section, which creates contradictions in how credit scoring systems interpret the account. 
These are all violations of multiple FCRA provisions, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate, non-misleading information 623 ( a ) ( 2 ) Duty to update and correct 605B and 611 ( a ) Right to accurate reinvestigation 607 ( b ) and 1681e ( b ) Credit reporting agencies must maintain maximum possible accuracy 611 ( c ) CRAs must provide documentation received from furnishers when verification is claimed I have previously disputed this information and/or requested full validation directly from the furnishers and CRAs under my FCRA rights. In many cases, I have not received sufficient documentation to support continued reporting, and no corrective action has been taken. Therefore, I am now asking the CFPB to review this matter and enforce the deletion or full correction of these inaccurate tradelines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute XXXX  Account ( {$650.00} ) To Whom It May Concern, I am formally disputing the accuracy and validity of an account reported by XXXX in the amount of {$650.00}, which appears on my Experian, XXXX, and TransUnion credit reports. I do not recognize this account, and I have no contractual or financial relationship with this entity. 
This item is being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) You are required to maintain maximum possible accuracy in the information you report.

15 U.S.C. 1681b You may not provide or access consumer report information without a legally permissible purpose.

15 U.S.C. 1681i You must conduct a reasonable reinvestigation when any item of information is disputed by the consumer.

15 U.S.C. 1681n & 1681o You are liable for willful or negligent noncompliance with the FCRA.

This account is not only inaccurate and unverifiable, but it also appears to have been included without proper authorization or validation. I am demanding that this account be permanently deleted from all three of my credit reports. 
Please complete a reinvestigation pursuant to the law and provide written confirmation that this item has been removed. 
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 2025-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am a XXXX veteran with exempt property taxes. Certified through the county tax accessor. 

We bought the house in XXXX of XXXX, pennymac paid my property taxes for the year of XXXX in which the county did not submit my exemption. Penny Mac forced me to pay them back the amount paid out for property taxes, in the amount of XXXX since XX/XX/XXXX of XXXX on each mortgage statement. XXXX of this amount is for insurance which is correct but I still paid back the taxes that pennymac paid for due to their mistake and the counties mistake. Over the last year I have paid out XXXX f

or property taxes as an exempt veteran. I feel that the mortgage company has stolen money from me and put it into a negative escrow account that Ill never get back. Id like to have some help if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
Square closed my account after I updated my business info to include clothing and food. I do not sell food that requires permits or violates their terms. They are now holding {$120.00} for 90 days. I need access to my funds immediately and have not received clear communication about the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-18 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: CA

Complaint narrative:
This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile. These errors are severely affecting my ability to obtain housing, credit, employment, and financial stability. I have made numerous attempts to have these items corrected, but the credit bureaus have failed to perform a reasonable investigation as required under federal law. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and enforce my rights under the law. I am disputing multiple addresses, accounts with charge-offs, late payments, collections, and unauthorized inquiries. Below is a detailed breakdown of each issue, the applicable law, and supporting information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$10000.00} | Late Payment Law/Issue : Reporting late payments without validating billing accuracy breaches FCRA Section 623.

Story : I was never properly notified of late payments, and no validation of the account has been sent to me despite multiple requests. 

XXXX | Date : XX/XX/XXXX Law/Issue : Inquiry placed without consumer consent violates Section 604 ( a ). 
Story : I never interacted with this company nor consented to a pull. This is a clear violation and must be removed. 

I request the Consumer Financial Protection Bureau to enforce the removal of the disputed addresses, the incorrect and unverifiable account entries, and all unauthorized hard inquiries listed above. The bureaus and data furnishers have failed to provide documentation verifying the accuracy or legitimacy of these entries and have not corrected these items after prior disputes. This ongoing negligence is violating my consumer rights, damaging my credit score, and affecting my livelihood. I respectfully ask for immediate correction and full compliance with the FCRA, FDCPA, and all related statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I used WU to send money to family in XXXX due to an emergency at hand and picked up a bank account transfer service because their promise to deliver the fund between XXXX business days. 
However once fund was cleared from my bank account, money wasnt transferred to family for hours. I called customer service and asked why fund has yet to be delivered. They mentioned since I chose bank account service, it takes XXXX business days in which this made me believe theyre not conducting business in good faith. 
I was able to escalate the matter to management while giving them XXXX options : XXXX. Update delivery method to debit card with additional fee XXXX. Refund the fund to my bank account immediately since they cant even deliver it for days Shift manager rejected both requests but offered to cancel transaction where Id access funds in XXXX business days. 
This is really frustrating and this type of XXXX sided business manipulation has got to stop. 
Their terms and conditions clearly says with bank account transfer, fund should be available from XXXX to XXXX days and the fact they clone keep the fund for days while they sold service is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-07-18 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: CA

Complaint narrative:
This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile. These errors are severely affecting my ability to obtain housing, credit, employment, and financial stability. I have made numerous attempts to have these items corrected, but the credit bureaus have failed to perform a reasonable investigation as required under federal law. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and enforce my rights under the law. I am disputing multiple addresses, accounts with charge-offs, late payments, collections, and unauthorized inquiries. Below is a detailed breakdown of each issue, the applicable law, and supporting information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$12000.00} Status : Charge-Off Law Issue : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must ensure maximum accuracy of the information they report. If this charge-off is inaccurate, unverifiable, or reported without proper validation, it must be removed.

Story : This account has been reported as a charge-off with a large outstanding balance. I have not received any proper validation or supporting documentation for this debt from the creditor. I am requesting a reinvestigation and validation of this account as required by FCRA 611 and 623. If the information can not be verified, it must be deleted from my credit file. 
AMERICANCR Date : XX/XX/XXXX Law Issue : FCRA XXXX prohibits unauthorized inquiries and mandates consumer consent. 
Story : I am not aware of any application or agreement that would permit AmericanCR to pull my report on this date. This inquiry was unauthorized and must be removed. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : As per FCRA 604 ( a ), hard inquiries without written consent violate federal law. 
Story : I did not apply for any product from XXXX XXXX on this date and therefore did not authorize this inquiry. Please delete this item from my report. 
I request the Consumer Financial Protection Bureau to enforce the removal of the disputed addresses, the incorrect and unverifiable account entries, and all unauthorized hard inquiries listed above. The bureaus and data furnishers have failed to provide documentation verifying the accuracy or legitimacy of these entries and have not corrected these items after prior disputes. This ongoing negligence is violating my consumer rights, damaging my credit score, and affecting my livelihood. I respectfully ask for immediate correction and full compliance with the FCRA, FDCPA, and all related statutes.

Company response to consumer: Closed with non-monetary relief