vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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:
I am filing this complaint against XXXX XXXX XXXXXXXX, Equifax, Experian, and TransUnion for continued reporting of inaccurate, inconsistent, and unverifiable late payment information on my credit reports. 

This account is being disputed for a second time. Across the three credit bureaus, the same XXXX XXXXXXXX XXXX account is reported with contradictory payment statuses, past-due amounts, balances, monthly payments, and late-payment histories. Equifax reflects the account as current with no past-due balance, while Experian and TransUnion simultaneously report 30-day late payments and past-due amounts for the same billing periods. These contradictions render the tradeline materially misleading and inaccurate. 

Despite prior disputes and regulatory noticeXXXX XXXX XXXX XXXXXXXX has failed to provide any competent documentary evidence substantiating that the alleged payments were late. No billing statements showing due dates, no payment posting records, and no timestamped transaction histories have been produced. In addition, required billing statements were not provided at least 21 days before any alleged due date, which constitutes a billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

Equifax, Experian, and TransUnion failed to conduct independent, reasonable reinvestigations and instead continued to publish XXXX XXXXXXXX XXXX unverified data, in violation of their duties to ensure maximum possible accuracy. 

Legal Violations The conduct described above constitutes violations of, but is not limited to : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i ( a ) Failure to conduct reasonable reinvestigations FCRA 1681s-2 ( b ) XXXX XXXX XXXXXXXX failure to properly investigate after dispute FCRA 1681n & 1681o Willful and negligent noncompliance FCBA ( 15 U.S.C. 1666 ) Billing errors and improper late-payment reporting Metro 2 / CDIA standards Non-uniform, contradictory reporting across bureaus FTC Act 5 Unfair and deceptive acts and practices Continued reporting of unverified late payments after notice demonstrates reckless disregard for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: IN

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-29 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: NH

Complaint narrative:
I am writing to file a dispute regarding the following accounts that are inaccurately reported on my credit report. These disputes involve charged-off accounts, inquiries, and late payments. I request that the necessary updates be made to reflect the correct information, as the current reports contain inaccuracies. 

Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I sent a payment of {$520.00} from my Cash App balance to XXXX. 
The transaction has been pending for over 17 days and can not be canceled. 
I contacted Cash App support multiple times. They reviewed the transaction but repeatedly refused to release or refund the funds, stating that their decision is final. 
Cash App indicated the hold was due to potential sanctions concerns, but the transaction did not involve any sanctioned country, jurisdiction, individual, or group. 
Despite the payment not being completed, the funds have been improperly withheld from my Cash App balance. 
Cash App did not provide a specific explanation or timeline for release or refund. 
I am requesting an immediate refund of {$520.00} to my Cash App balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
According to A 15 U.S.C. 1681 it is illegal to report inaccurate information on my credit report without my permission. Im unaware of this debt and didnt get the chance to dispute this account. Please remove this account if you can not legally provide Certified mail with a receipt displaying my signature for account XXXX or this will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: IL

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: KS

Complaint narrative:
I am filing this complaint regarding materially inaccurate and misleading credit reporting related to my federal student loans serviced by Nelnet. 

Multiple tradelines are being reported on my consumer credit reports for the same underlying student loan obligations. These tradelines reflect inconsistent balances, duplicated delinquency histories, and report severe late payment statuses despite the loans being transferred or closed due to servicing transfer. 

Several accounts are simultaneously reported as transferred or closed due to transfer while also being reported as open and 120 days late, which is inaccurate and misleading. Late payment histories appear to be reported after the transfer date, which is improper. 

This reporting constitutes duplicate and misleading reporting and fails to accurately reflect the true status of the loans. I believe this violates the Fair Credit Reporting Acts requirements for accuracy and reasonable investigation, as well as federal student loan servicing transfer requirements.

I am requesting that Nelnet and the Department of Education conduct a thorough compliance review, correct or delete any inaccurately reported tradelines, and ensure that no duplicative or post-transfer delinquency information remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Purchased the house XXXX XXXX and the payment was {$1500.00} with escrow. Back in XXXX the increase it to {$2200.00} and now effective XX/XX/XXXX theyre increasing it to ~ {$2300.00}. Thats a massive increase and some peoples paychecks arent even the amount of that increase. Im the sole provider for a family of XXXX and XXXX XXXX  under XXXX. Its unreasonable to expect anyone to be able to pay that much of a gain. When asked why its going up the response is it was a miscalculation on our 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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
on XX/XX/XXXX a gentleman went to my father 's house and served him the paperwork for the court date that I was supposed to go to revealing my private financial information and then the person went to the courthouse and claimed that he served the paperwork to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a late payment on a single account being furnished to Experian. According to the creditors records, one payment is being reported as late ; however, this payment was made on time. Despite this, the incorrect late payment remains on my credit report and is unjustly harming my credit score.

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 2025-12-29 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-29 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:
XXXX  has willfully failed to correct inaccurate and outdated personal information on my credit report despite XXXX formal disputes, multiple online submissions, phone calls, and submission of all required documentation. 

The following personal information remains incorrect and must be corrected or permanently removed : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Date of Birth : XXXX  Social Security Number : XXXX Employer : XXXXXXXX XXXX XXXX XXXX  XXXX  has not conducted a reasonable reinvestigation or provided corrections, violating the Fair Credit Reporting Act ( 15 U.S.C . 1681i, 1681e ( b ), 1681g ), FACTA, ECOA, GLBA, and the Consumer Financial Protection Act ( UDAAP ). 

The continued reporting of inaccurate data exposes me to credit harm, identity confusion, and financial risk. I am requesting permanent correction or deletion of all inaccurate information.

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 2025-12-29 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:
I am filing this complaint against XXXX XXXX XXXXXXXX, Equifax, Experian, and TransUnion for continued reporting of inaccurate, inconsistent, and unverifiable late payment information on my credit reports. 

This account is being disputed for a second time. Across the three credit bureaus, the same XXXX XXXXXXXX XXXX account is reported with contradictory payment statuses, past-due amounts, balances, monthly payments, and late-payment histories. Equifax reflects the account as current with no past-due balance, while Experian and TransUnion simultaneously report 30-day late payments and past-due amounts for the same billing periods. These contradictions render the tradeline materially misleading and inaccurate. 

Despite prior disputes and regulatory noticeXXXX XXXX XXXX XXXXXXXX has failed to provide any competent documentary evidence substantiating that the alleged payments were late. No billing statements showing due dates, no payment posting records, and no timestamped transaction histories have been produced. In addition, required billing statements were not provided at least 21 days before any alleged due date, which constitutes a billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

Equifax, Experian, and TransUnion failed to conduct independent, reasonable reinvestigations and instead continued to publish XXXX XXXXXXXX XXXX unverified data, in violation of their duties to ensure maximum possible accuracy. 

Legal Violations The conduct described above constitutes violations of, but is not limited to : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i ( a ) Failure to conduct reasonable reinvestigations FCRA 1681s-2 ( b ) XXXX XXXX XXXXXXXX failure to properly investigate after dispute FCRA 1681n & 1681o Willful and negligent noncompliance FCBA ( 15 U.S.C. 1666 ) Billing errors and improper late-payment reporting Metro 2 / CDIA standards Non-uniform, contradictory reporting across bureaus FTC Act 5 Unfair and deceptive acts and practices Continued reporting of unverified late payments after notice demonstrates reckless disregard for my consumer rights.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company did not notify me of the investigation in question and refuses to attach my supporting documentation when submitting the investigations in question. Fraudulent data from the Transunion breach must be blocked. Provide proof you verified this affidavit with the FTC, including method and names under FCRA 611, 15 U.S.C. 1681i. If not, block these accounts within 4 days.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.

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 2025-12-29 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I attempted multiple online purchases on the Victorias Secret website using my Victorias Secret Credit Card issued by Comenity Bank. Each attempt failed with an error indicating that the card was not activated. This has been an ongoing issue for approximately two years. I have been able to successfully complete the same purchases using other credit cards, confirming that the issue is isolated to the Comenity-issued card. 

On XX/XX/year>, Comenity Bank confirmed that the card was activated. Despite this confirmation, the card continued to decline for online purchases. On XX/XX/year>, I contacted Comenity Bank by telephone and spent an extended amount of time speaking with both a frontline representative and an escalated representative. Comenity Bank confirmed that the account is open and in good standing, has a XXXX balance, and that authorization attempts from Victorias Secret were visible in the system as pending transactions. 

Comenity Bank was unable to explain why the card continues to decline. Representatives incorrectly attributed the issue to card activation, despite confirming both activation and visible authorization attempts. I requested written follow-up or a callback regarding the investigation, but was informed that the investigation team does not provide written responses or phone follow-up. I was instructed only to attempt using the card again after 48 hours, with no explanation of what would be reviewed or what resolution would occur if the issue persisted. 

Earlier in XXXX, Comenity Bank sent a letter stating that my account would be closed due to inactivity. However, I have been unable to successfully use the card for online purchases, and Comenity Bank has not addressed or corrected the underlying issue preventing normal card use. This creates a situation in which the bank cites inactivity while simultaneously failing to enable the card for its intended purpose. 

This is the second complaint this month regarding the same unresolved issue. Comenity Bank previously issued a replacement card earlier in XX/XX/year>, which also does not work for online purchases. The only alternatives offered were issuing another replacement card or placing purchases by phone. These alternatives do not resolve the underlying ecommerce authorization failure and result in lost cardholder benefits. I have screenshots documenting the XXXX error message, which has been occurring for approximately two years.

Company response to consumer: Closed with monetary relief