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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX. Late Payments After a Bankruptcy Discharge Are NOT Allowed Once an account is included in a Chapter XXXX bankruptcy and XXXX : The furnisher must report the account as included in bankruptcy / XXXX No late payments can legally be reported after the bankruptcy filing date Yet your file shows : XXXX late for XX/XX/XXXX XXXX late for XX/XX/XXXX XXXX late for XX/XX/XXXX Your discharge was in XXXX, and the status says XXXX through Bankruptcy Chapter XXXX which means these late payments should NOT be shown at all, because the account should be frozen as of the bankruptcy filing date. 


XXXX. The Payment History Conflicts With the Account Status If an account is discharged : It can not also show current, past due, 30 days late, or any other performance indicators.

All balances should be zeroed out Your report shows : Discharged through Bankruptcy AND late payments Contradictory reporting = grounds for deletion or correction 3. Incomplete Account Information Your report contains : Missing balance update dates Missing high balance Missing recent payment data Any missing or incomplete data = grounds for reinvestigation. 




I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. 

XXXX XXXX XXXX is reporting my auto loan ( Account XXXX. XXXX ) as XXXX through Bankruptcy XXXX XXXX, yet they also reported XXXX late payments after the account was included in bankruptcy. My credit reports show XXXX late marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

This reporting is factually impossible and violates the Fair Credit Reporting Act because : Once an account is included in a Chapter XXXX bankruptcy, furnishers are not allowed to report new delinquencies after the bankruptcy filing date. 

The account can not simultaneously report XXXX through Bankruptcy AND 30 days past due. 

The payment history is inconsistent and incomplete, including missing balance update dates and missing payment data. 

This information is inaccurate, misleading, and not verifiable, which violates FCRA 602, 607 ( b ), and 611.

I have disputed this with the credit bureau ( s ), and the item came back as updated, but the inaccurate late payments still appear. 

I am requesting that the CFPB require XXXX XXXX XXXX and the involved credit bureau ( XXXX ) to : Remove all late payments reported after my bankruptcy filing, OR Accurately update the account to reflect its bankruptcy status with XXXX delinquencies and a {$0.00} balance. 

I want a formal explanation of how these late payments were verified, including what documents XXXX provided.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX. Late Payments After a Bankruptcy Discharge Are NOT Allowed Once an account is included in a Chapter XXXX bankruptcy and XXXX : The furnisher must report the account as included in bankruptcy / XXXX No late payments can legally be reported after the bankruptcy filing date Yet your file shows : XXXX late for XX/XX/XXXX XXXX late for XX/XX/XXXX XXXX late for XX/XX/XXXX Your discharge was in XXXX, and the status says XXXX through Bankruptcy Chapter XXXX which means these late payments should NOT be shown at all, because the account should be frozen as of the bankruptcy filing date. 


XXXX. The Payment History Conflicts With the Account Status If an account is discharged : It can not also show current, past due, 30 days late, or any other performance indicators.

All balances should be zeroed out Your report shows : Discharged through Bankruptcy AND late payments Contradictory reporting = grounds for deletion or correction 3. Incomplete Account Information Your report contains : Missing balance update dates Missing high balance Missing recent payment data Any missing or incomplete data = grounds for reinvestigation. 




I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. 

XXXX XXXX XXXX is reporting my auto loan ( Account XXXX. XXXX ) as XXXX through Bankruptcy XXXX XXXX, yet they also reported XXXX late payments after the account was included in bankruptcy. My credit reports show XXXX late marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

This reporting is factually impossible and violates the Fair Credit Reporting Act because : Once an account is included in a Chapter XXXX bankruptcy, furnishers are not allowed to report new delinquencies after the bankruptcy filing date. 

The account can not simultaneously report XXXX through Bankruptcy AND 30 days past due. 

The payment history is inconsistent and incomplete, including missing balance update dates and missing payment data. 

This information is inaccurate, misleading, and not verifiable, which violates FCRA 602, 607 ( b ), and 611.

I have disputed this with the credit bureau ( s ), and the item came back as updated, but the inaccurate late payments still appear. 

I am requesting that the CFPB require XXXX XXXX XXXX and the involved credit bureau ( XXXX ) to : Remove all late payments reported after my bankruptcy filing, OR Accurately update the account to reflect its bankruptcy status with XXXX delinquencies and a {$0.00} balance. 

I want a formal explanation of how these late payments were verified, including what documents XXXX provided.

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 status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. Please remove the following items from my credit report, immediately : Experian Credit Report : Original creditor : XXXX XXXX XXXX  Balance : {$16000.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$840.00} Date Opened : XX/XX/XXXX Account number : XXXX Equifax Credit Report : Original creditor : XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$840.00} Date Opened : XX/XX/XXXX Account number : XXXX TransUnion Credit Report : Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$840.00} Date Opened : XX/XX/XXXX Account number : XXXX  Original creditor : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX  Balance : {$16000.00} Date Opened : XX/XX/XXXX Account number : 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NV

Complaint narrative:
Subject : Unfair Treatment by XXXX ( Block , Inc. ) Wrongful Termination, Unjustified XXXX  Listing, and Improper Fees I am filing a complaint against XXXX XXXX XXXX for the wrongful termination of my credit-card processing account, failure to provide a reason for termination, continued charging of fees after closing my account, and what appears to be an unauthorized or improper placement of my business into a merchant blacklist database that prevents me from obtaining new credit-card processing. 

XXXX terminated my merchant account without providing any explanation or written notice, which is required when a processor places a merchant into the XXXX database. After closing my account, XXXX continued to charge credit-card processing fees, even though I was no longer permitted to accept payments. These charges were unauthorized and I had to dispute them with my credit-card company. 

After XXXX terminated me without cause, I attempted to obtain credit-card processing from multiple other providers. I was informed that I had been flagged/blacklisted in a shared industry database, preventing me from obtaining merchant services. I never received the required MATCH code, explanation, or documentation from XXXX, which is a violation of XXXX rules and federal consumer-protection standards. 

This has caused significant financial harm to my business. I am requesting that XXXX : XXXX. Provide the written reason for the termination of my account. 
XXXX. Provide the XXXX code they allegedly used and the date of reporting. 
XXXX. Remove me from the XXXX database if the reporting was improper or unsupported. 
XXXX. Refund all fees charged after XXXX themselves terminated my account. 
XXXX. Provide a written statement confirming my business is not prohibited from obtaining merchant services. 

Thank you for your assistance in resolving this matter.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please inspect the documents provided ; the questions came in without any advance notice and may not be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Paypal Holdings, Inc
State: WI

Complaint narrative:
It all started XX/XX/year> when I sold my {$1000.00} dollars in bitcoin I sold paid my fees then boom your funds will not be available until XX/XX/year> XXXX XXXX  theres nothing we can do about it. Cool but why not have a disclosure before some have sell there cryptocurrency that it will be held for review for a week after you take your XXXX dollars in fees I sold my bitcoin so I can pay bills and buy groceries thats not fair. 


Fast forward to XX/XX/year> I transferred a {$110.00} dollars to Venmo so I can get my infant some diapers and milk then boom your account is suspended i receive a email saying its suspended but not for what they say I was going to get a email never got it I uploaded my license like they ask then was told I have to wait XXXX days to verify a license tried calling everyone is arrogant and dont care about the situation and very nonchalant I cant talk to the appropriate party thats responsible for suspended my account they claim they only talk to them in email and we cant.

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: 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: GA

Complaint narrative:
Despite multiple disputes, Experian and TransUnion continue to report a student loan account from XXXX that is inaccurate. XXXX has admitted they did not investigate or provide validation. I sent a 10-day notice demanding deletion, yet the bureaus have not removed the account. This is a clear failure to comply with the Fair Credit Reporting Act, as the account can not be verified, and the inaccurate reporting remains on my credit 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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not related to me ; they need to be deleted in 15 days under USC 1681g.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian sent me a letter claiming, We received a recent request regarding your credit information that does not appear to have been directly sent from you, so no action has been taken. This letter was uploaded to my credit file on or around XX/XX/2025. By your own wording, you are admitting that you received my dispute, chose not to investigate it, and closed it out without taking any action. That is a direct violation of the Fair Credit Reporting Act. I did NOT request a fraud alert, did NOT claim identity theft, did NOT submit any suspicious requests, and I never authorized Experian to ignore my dispute. I personally drafted and mailed my disputes, and once you received them, the 30-day investigation clock legally began under FCRA 611 ( a ) ( 1 ). You can not unilaterally decide not to investigate. Under FCRA 602, 607 ( b ), and 609, you are required to ensure maximum possible accuracy of consumer information. Under FCRA 611 ( a ) you must conduct a reasonable reinvestigation. You violated your statutory duties by refusing to investigate and by issuing a stall letter to avoid compliance. Experian does not have the authority to ignore a dispute based on an internal assumption that it did not come from me. I am the consumer. I wrote the dispute. I mailed it myself. I am confirming here, again, that the dispute DID come from me. Therefore Experian is now outside of the 30-day window and in violation of FCRA 611 ( a ) ( 1 ) for failing to investigate. I am requesting immediate action, deletion of any items you failed to properly investigate, removal of any inaccurate or unverifiable information, and confirmation that Experian will correct its unlawful refusal to investigate valid disputes. I want this complaint escalated and reviewed by a compliance officer 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 explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
XX/XX/2025, We received correspondence from UWM that our mortgage services from United Wholesale Mortgage would be changing to a new service center location from XXXXXXXX XXXX to XXXXXXXX XXXX. Our account number changed from XXXX to XXXX. 

Upon attempting to pay the XX/XX/2025 mortgage payment, a new balance of {$4200.00} is due versus {$3000.00}. UWM states we had an escrow shortage and reflects a {$2700.00} fee for Hazard Insurance for XX/XX/2025 and an overall escrow delinquency of {$6900.00}. 

I do not have verification that UWM transferred our previous escrow balance from the first account number to their new service center in XXXX, XXXX  possibly inflating the amount owed for escrow, taxes, and hazard insurance. 

Please investigate.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Inquiries 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 2025-11-15 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Inquiries 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 2025-11-15 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: ADP Inc.
State: GA

Complaint narrative:
I am writing to express my extreme dissatisfaction and lodge a formal complaint regarding an unauthorized reversal of funds related to an XXXX payment, compounded by misinformation received from your customer service representatives. On XX/XX/XXXX, I initiated an early payment of {$41.00} to XXXX, which was confirmed on XX/XX/XXXX. 

On XX/XX/XXXX, a reversal payment of {$41.00} was processed, which I noticed on XX/XX/XXXX. Upon contacting XXXX, I was assured that the initial payment had been successfully completed. However, XXXX proceeded to deduct the funds on XX/XX/XXXX, effectively taking back money that was rightfully paid to XXXX. Furthermore, I have a recording of a XXXX representative confirming this unauthorized reversal. When I contacted the bank, I was misinformed that the reversal was due to insufficient funds, which contradicts both the XXXX confirmation and the XXXX representative 's statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TX

Complaint narrative:
Booked a rental car with XXXX online, I have confirmation/ email written on agreed amount. Upon my rental return, I was charged more than the agreed amount. 

Merchant charged me for an optional fee stating I have agreed to that which is not true Disputed the charge with US Bank and provided all related information in writing ( screenshot/ email/ receipts .. etc ) After almost 2 months, US Bank finally got back to me with their resolution in favor of Merchant with no further explanation/ elaboration

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: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Ive gotten hundreds of emails from this company named XXXX XXXX/True Accord. Lately the emails are becoming more frequent, now several times a day. Ive asked for info and they cant provide me anything, and Ive told them to leave me alone. They were non stop calling to the point I had to change my phone number 3 times. Im tired of the harassment and this has to be illegal, I dont know what else to do

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: MI

Complaint narrative:
This are unauthorized inquiries on my Transunion credit report. XXXXXXXX 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