vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: NV

Complaint narrative:
Upon recent review of my consumer credit report I identified multiple serious billing errors in direct violations of the Truth in Lending Act ( TILA ). I am writing to formally dispute certain late payment entries listed on my credit report, which I believe to be inaccurate or improperly disclosed. Under federal law, I am entitled to a reinvestigation of this matter, and I respectfully request that any unverifiable, incorrect, or misclassified information be promptly removed or corrected.

Disputed Account Details : Creditor Name : XXXX XXXX  Account Number : XXXX  Dates of Alleged Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute Summary : My records and payment history suggest that these reported late payments may have been made within the required timeframe or were misclassified in a way that violates federal consumer reporting guidelines. 
Legal Grounds for Dispute : 15 U.S.C. 1666b : Mandates a minimum 21-day grace period before a payment can be reported as late.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Excludes information based solely on experiences between a consumer and a creditor from the definition of a consumer report, making such data impermissible if reported improperly.

15 U.S.C. 6802 : Prohibits unauthorized or improper disclosure of consumer financial information under the Gramm-Leach-Bliley Act.

15 U.S.C. 1637 ( b ) : Requires creditors to provide clear, itemized billing statements for each cycle where a balance or finance charge exists. If such documentation is missing or deficient, any reported delinquency lacks legal substantiation.

1. Immediate reinvestigation of the reported entries.

2. A written summary of the results.

3. An updated copy of my credit report reflecting any amendments made. 
Thank you for your prompt attention to this matter and for maintaining the integrity of consumer reporting systems.

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 2025-08-06 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: CA

Complaint narrative:
I am filing this complaint against Experian for their continued reporting of a XXXX XXXX Bankruptcy ( Ref : XXXX ) on my credit reportdespite the fact that I have never filed for bankruptcy in my life. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Experian failed to conduct a meaningful or lawful reinvestigation. They did not contact the original source of the bankruptcy claim nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Experian appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Experian has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a false bankruptcy on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that in XX/XX/2025, the Consumer Financial Protection Bureau ( CFPB ) fined Experian {$15.00} million for failing to properly handle credit disputes and reinvestigations. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Experian to immediately delete the inaccurate bankruptcy from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/2025, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with 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 explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I noticed an inquiry and a potential account affecting my credit report that I did not authorize. The company involved is XXXX, and the debt collection agency XXXX contacted me regarding this account. 

On [ insert date you received first contact ], I contacted XXXX and requested a full debt validation as required under the Fair Debt Collection Practices Act. They confirmed they paused all collection activity and said they would send validation documentation. As of today, I have not received any documentation from them or XXXX. 

Additionally, XXXX has not resolved this matter. Their support only responds with automatic messages or redirects to FAQs. I do not believe this debt is mine and want the inquiry removed from my credit report and all collection activity stopped until proper documentation is provided. 

I believe my rights under the FCRA and FDCPA are being violated, and I request that CFPB investigate this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report TransUnion Account in Question : XXXX XXXX  Account # XXXXXXXX XXXX XXXX Complaint Details : I am submitting this formal complaint against TransUnion for reporting inaccurate 30-day and 60-day late payments on my credit file related to the account listed above with XXXX XXXX. These derogatory marks are incorrect and are damaging my credit profile unfairly. 

Nature of the Complaint : Inaccurate Reporting by TransUnion : TransUnion is reporting a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX for the account with XXXX XXXX However : The account status is listed as Open and Current. 

The payment history from XX/XX/XXXX onward shows consistent OK ( on-time ) marks. 

A payment of {$560.00} was made on XX/XX/XXXX, proving that the account was being paid. 

These lates are not reflected in XXXX  or XXXX, indicating inconsistency and inaccuracy. 

Violation of the Fair Credit Reporting Act ( FCRA ) : This reporting violates multiple sections of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i : Failure to conduct proper reinvestigation upon dispute.

15 U.S.C. 1681s-2 ( a ) : Duty of furnishers to report accurate information.

Violation of 15 U.S.C. 1666 ( b ) ( Truth in Lending Act - TILA ) : I request confirmation that billing notices were properly issued with at least 21 days ' notice before due dates, as required by law. The absence of these notices would make any delinquency invalid. 

Violation of FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : TransUnion may be held liable for willful and/or negligent noncompliance, including actual damages and punitive damages, for continuing to report inaccurate and harmful information.

Requested Resolution : I am requesting that : TransUnion remove the 30-day and 60-day late payment entries from my credit file.

The account with XXXX XXXX be updated to show a clean payment history, as the reported lates are unsupported by valid payment documentation and contradict the ongoing " current '' status. 

I receive written confirmation that these corrections have been made. 

Personal Information : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XXXXXX/XX/XXXX Email : XXXX Thank you for your time and for protecting consumer rights under federal law. 

Sincerely, 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 2025-08-06 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:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-08-06 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: MI

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting a late payment inaccurately on my credit reports. The account in question ( Account # : XXXX ) was initially reported as late in XX/XX/year>, but it has now been changed to show a late payment in XX/XX/year>XXXX  across the credit bureaus. 

This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires maximum possible accuracy, and raises concern over possible re-aging or mishandling of my payment history.

I have disputed this with Experian, XXXX, and XXXX, and I am requesting that the CFPB investigate this matter and require the furnisher and bureaus to provide verifiable documentation or remove the inaccurate late payment entirely. 

This incorrect reporting is damaging my credit and does not reflect accurate or consistent 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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Chime XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Goodwill Deletion Request for Account # XXXX To Whom It May Concern, I am writing regarding my secured credit card account with your institution, opened on XX/XX/XXXX. 
I want to thank you for the opportunity to build my credit through this account. I understand the importance of maintaining good credit and have made efforts to improve my financial standing. 
Although the account has since been paid and is currently reporting a XXXX balance, I am respectfully requesting a goodwill deletion of this account from my credit report. The account is now inactive, and its presence may be negatively impacting my overall credit profile. I kindly ask that you consider removing the account from my credit report as a gesture of goodwill. 
I am not disputing the accuracy of the reporting, but rather asking for a courtesy deletion as the account is no longer active and has been settled with a XXXX balance. Your consideration would be greatly appreciated and would help me in my continued efforts to improve my credit and financial well-being. 
Thank you for your time and for considering my request. I hope to hear from you soon. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of Identity Theft in the following accounts and credit inquiries are all fraudulent and never authorize by me. All these accounts and inquiries need to be permanently removed from my consumer report immediately... 
ACCOUNTS * XXXX XXXX XXXX XXXXXXXX {$3000.00}, Date Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3800.00}, Date Opened XX/XX/XXXX. 
XXXX XXXXXXXX - Balance {$1900.00}, Date Opened XX/XX/XXXX. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : 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 2025-08-06 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: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-06 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Formal Complaint Against Bank of America for FCRA Violations and Failure to Validate Alleged Debt Account ending in XXXX I am filing a formal complaint against Bank of America for continuously reporting a charge-off account to Equifax and TransUnion despite repeated failures to validate or verify the alleged debt, in clear violation of the Fair Credit Reporting Act ( XXXX  ), specifically XXXX ( a ) ( XXXX ), XXXX ( b ), and XXXX ( a ). 

Despite multiple requests, Bank of America has not provided any of the following required documentation : Chain of title/ownership Complete payment history Original signed contract or agreement Any substantiating documentation to support the amount and legitimacy of the charge-off Instead of complying, they sent generic, one-page form letters containing nothing more than the boilerplate statement : This is an attempt to collect a debt. This does not satisfy the legal requirement for debt validation and constitutes further violation of the law. 

On top of this, I submitted a formal direct dispute under FCRA XXXX ( a ) ( XXXX ) demanding proper investigation and deletion of the account. To date, Bank of America has failed to provide : A written, substantive response Any form of supporting documentation Proof of a reasonable investigation under FCRA Yet, Bank of America continues to furnish the same unverifiable and likely inaccurate data to Equifax and TransUnion, knowingly causing continued harm to my credit profile. 

I also previously issued a XXXX notice to Bank of America via official email, clearly requesting validation and cease-and-desist ( Fri, XX/XX/year>, XXXX ) regarding this account. No action was taken. I am attaching that email chain as evidence. Furthermore, I explicitly requested that Bank of America cease communication and delete the account this request has also been ignored. 

Since my last dispute, Bank of America has sent me XXXX nearly identical one-page letters ( dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ), each stating the same unverified language and providing no actual documentation or investigation outcome. 

This pattern of noncompliance violates : FCRA XXXX ( a ) ( XXXX ) Failure to conduct a reasonable investigation of a direct dispute FCRA XXXX ( b ) Continued reporting of inaccurate information after notification FCRA XXXX ( a ) Furnishing information without ensuring accuracy and verifiability Requested Resolution : Under these violations, Bank of America is obligated to permanently delete this account from all credit reporting agencies, including Equifax and TransUnion. 

Furthermore, I request that Bank of America respond directly and exclusively to the CFPB only.

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 2025-08-06 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$640000.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX Payment history : XX/XX/XXXX XXXX XXXX days, XXXX, XXXX, XXXX [, XXXX, XX/XX/XXXX XXXX XXXX days, XX/XX/XXXX XXXX XXXX days : XX/XX/XXXX XXXX XXXX days, XX/XX/XXXX XXXX XXXX days, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX days ONEMAIN XXXX Balance {$12000.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX Payment History : XX/XX/XXXX late XXXX  days, XX/XX/XXXX late XXXX  days XX/XX/XXXX late XXXX days, XXXX. XXXX late XXXX days, XXXX. XXXX late XXXX  days, XXXX XXXX late XXXX days, XX/XX/XXXX late XXXX. XX/XX/XXXX late XXXX  days XXXX XXXX XXXX Balance {$3400.00} Late XXXX days XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance $ XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/XXXX Payment History : XXXX XXXX late XXXX days XXXX XXXX XXXX XXXX XXXX Balance $ XXXX up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: WA

Complaint narrative:
What happened : My Cash App account was fully verified using my legal state-issued ID and contains {$3800.00} in government XXXX backpay, which I rely on as my only source of income. After my phone ( XXXX XXXX ) was stolen, I lost access to the XXXX account linked to Cash App. 

I have contacted Cash App XXXX multiple times with all my details full name, prior email/phone, balance amount, and an explanation of the situation. Despite this, Ive received no help or way to regain access to my verified account. 

Since I am a verified user and my identity is known to Cash App, I believe the continued withholding of my funds is unjust. These are federal XXXX benefits, and I need them to survive.

Company response to consumer: Closed with explanation