vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting tied to my XXXX XXXX XXXX  XXXX ending XXXX. I am a XXXX XXXX XXXX XXXX impacted consumer and an Equifax Data Breach impacted consumer. Because my personal identifiers were compromised, the accuracy of my file is of the highest importance. 

Despite repeated disputes, Equifax, Experian, and TransUnion continue to publish inconsistent and derogatory late payment information that conflicts directly with the actual account status : Paid, Closed, and {$0.00} balance. 

Equifax continues to show derogatory 30-day late payments from XXXX  while simultaneously reporting the account as Paid with a XXXX balance. 

Experian reflects the same account as Paid with {$0.00} balance, yet also codes late payments and derogatory status, which is contradictory.

TransUnion lists the account as Closed, Paid, and {$0.00} balance, but still carries negative late payment notations and conflicting OK codes in the payment history.

These conflicts across bureaus prove that the data can not be verified to Metro 2 standards. An account can not simultaneously be reported as Paid/Closed/ {$0.00} balance and still carry late payments or derogatory status. This violates : 15 USC 1681e ( b ) failure to assure maximum possible accuracy 15 USC 1681i failure to reasonably reinvestigate after disputes 15 USC 1681n/o willful and negligent noncompliance by continuing to publish unverifiable data I have already demanded validation from the bureaus, but none have provided original source documentation from the creditor proving the alleged delinquency. Instead, they continue to recycle contradictory and misleading data after prior disputes. 

Because of these errors, I have suffered harm through unfair credit denials and increased interest rates. I am asking the CFPB to intervene and compel the credit bureaus to : Permanently DELETE all late payment remarks associated with this XXXX XXXX  auto loan Update the account uniformly across all three bureaus to Paid as agreed, Closed, {$0.00} balance, with no derogatory remarks Anything less allows the bureaus to continue willful noncompliance and publish harmful, unverifiable data in violation of 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 2025-10-02 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company 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 2025-10-02 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:
I formally dispute certain listings on my profile that reflect accounts opened without my consent. Kindly investigate thoroughly and delete them. Relevant evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company 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 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prog Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I proactively informed XXXX XXXX that I had lost my job of 8 years and requested hardship assistance. Instead, I was told by XXXX XXXX ( Customer Service Manager ) that " the system does not allow '' them to stop charging late fees, and that no hardship options exist and she made it a point to tell me that no exceptions to my account will occur That is not an acceptable resolution. Other lenders offer temporary programs, yet XXXX  refuses and continues to pile on fees while stonewalling me. As a manager, she should be consulting with the higher ups, but of course she refuses and gives canned responses.

I have now filed multiple complaints with CFPB, XXXX, and other authorities, yet XXXX  response remains dismissive and repetitive. They even had the audacity to ask me to mark a XXXX complaint as " resolved, '' despite offering no real help. This shows clear bad faith. 

XXXX is doing a good job of stalling and pushing me into delinquency on purpose, ignoring my rights for written communication only, and failing to escalate to compliance/legal despite knowing I have filed with regulators. This is unethical and unacceptable. I am documenting each email and filing to show their pattern of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
The collector ( XXXX XXXX XXXX ) and law firm ( Stenger and Stenger PC ) are aggressively pursuing two separate debts without providing information that can be used to validate the misuse of my name and credit information resulting from my documented identity theft. I continue to provide police reports, FBI reports and IRS reports to the collector 's attorney, Stenger & Stenger PC by certified mail, concerning the documented identity theft that was initiated in XXXX and continued through XXXX. 

XXXX XXXX XXXX and Stenger and Stenger PC have focused their attention on me signing an affidavit they provided, for me to tell them how much of the debt I am responsible for ( on an account that I do not have knowledge of ), who else is on the account, and to provide five samples of the way I sign my name. 

I received a printout of a 2nd debt from XXXX XXXX XXXX, initiated by Stenger and Stenger PC as a result of my initial inquiry, with a different account number than the one related to the coming XX/XX/XXXX, court date with a different XXXX  amount due, my name, and a past due amount with no itemization of the origination of the debt and none of the other information I previouslyrequested under the provisions of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XXXX.2025, a text message from Wells Fargo Fraud department was sent to me asking if I made an unauthorized XXXX transfer. I selected N for No. I was then contacted by an individual claiming to be from Wells Fargo fraud department. They used convincing methods ( including spoofed phone numbers and security language ) to gain my trust and instructed me to send funds to a secure account or perform certain transactions to protect my account. 

Under their direction, I authorized the following transactions : 1. XXXX Transfer Amount : XXXX Date : XXXX2025 Recipient Name : XXXX XXXX XXXXXXXX Confirmation Number : XXXX 2. XXXX XXXX XXXXXXXX XXXX Amount XXXX XXXX Date : XXXX2025 Transaction ID : XXXX Although these transactions were technically authorized, they were made as a direct result of social engineering and impersonation fraud, which falls under authorized payment fraud. 

This type of fraud is increasingly recognized as a serious and damaging issue. I trusted I was acting under the guidance of your fraud team, and the perpetrators exploited that trust.

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 2025-10-02 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
ChexSystems is knowingly and intentionally maintaining, publishing, and furnishing inaccurate, unverified, unauthorized, and time-barred consumer information in my ChexSystems file including alleged overdrafts, overdrawn/debit transactions, closed account notations, and other adverse tradelines. These actions represent blatant violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to your obligations under 15 U.S.C. 1681i ( reasonable reinvestigation ), 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). Your conduct also constitutes deceptive or unfair practices actionable under federal and state consumer protection statutes and may implicate the FDCPA where applicable.

Specifically, ChexSystems has : Failed to conduct a reasonable, documented investigation of my disputes ; Continued to report tradelines that are not mine or were not authorized ; Reported accounts beyond the allowable reporting period ( FCRAs 7-year limit from DOFD ) and/or beyond New Yorks applicable statute of limitations ; Furnished materially inaccurate information to downstream users and data purchasers, causing demonstrable harm to my ability to obtain banking services and financial products.

I demand the following immediately and without delay : DELETE from my ChexSystems consumer file all inaccurate, unverifiable, unauthorized, or time-barred tradelines, including any overdraft/overdrawn records, closed account notations, or collection/referral entries that can not be fully verified by documented primary-source proof.

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 2025-10-02 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, in connection with the inaccurate, incomplete, and unverifiable reporting of a XXXX  XXXX bankruptcy on my credit file. 
On XX/XX/XXXX, I mailed a fully documented dispute package to Equifax, which included my government-issued photo identification, Social Security card , and proof of address. In that letter, I requested that Equifax conduct a proper reinvestigation and provide me with the name of the entity that certified the accuracy of the bankruptcy, the documentation used to verify the information, and the contact details of the certifying entity. Despite my request and submission of sufficient supporting documents, Equifax has failed to provide lawful reinvestigation results as required under the FCRA and continues to report incomplete and unverifiable bankruptcy information. 
Specifically, Equifax lists the bankruptcy under XXXX with the type Bankruptcy Discharged XXXX, a reported filing date of XX/XX/XXXX, and an internal reference number XXXX. However, this reporting is incomplete and unverifiable when compared against the official XXXX  record for Case No. XXXX. XXXX confirms that the case was filed on XX/XX/XXXX, in the XXXX Bankruptcy XXXX, XXXX XXXX ( XXXX XXXX, TX ), that the debtors XXXX XXXX XXXX and XXXX XXXX XXXX received a discharge on XX/XX/XXXX, and that the case was formally terminated on XX/XX/XXXX. XXXX also identifies Trustee XXXX XXXX as the trustee of record and clearly reflects the disposition as a Standard Discharge Case Closed. Equifax, by contrast, omits the official case number, the specific court location, the trustees name, the debtor party information, and the final case disposition. Additionally, the reference number used by Equifax does not match the official XXXX  case number and can not be independently verified. 
These discrepancies demonstrate that Equifaxs reporting is incomplete, misleading, and unverifiable. By omitting essential identifiers such as the court location and case number, failing to include trustee and party details, and neglecting to reflect the proper status and closure information, Equifax has not complied with the accuracy and completeness standards mandated under the FCRA. As a result, the continued presence of this unverifiable bankruptcy on my credit file has caused me significant harm, including ongoing damage to my creditworthiness, loss of financial opportunities, and emotional XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NE

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company 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 2025-10-02 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-10-02 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: EQUIFAX, INC.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief