vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request a credit freeze ( security freeze ) be placed on my credit file. This request is made under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please take the necessary steps to prevent the release of my credit information or the opening of any new credit accounts in my name without my explicit authorization.

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 2025-10-29 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
I regularly used my account and did not get a warning or anything just closed account, I needed the money I just got paid from a job but square is saying they are going to hold for 90 days I have to still pay bills and take care of kids I dont have that time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: WA

Complaint narrative:
My account with EQUIFAX EXPERIAN XXXX  was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not have any involvement with these accounts ; remove them within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I seen. Y latest credit report and noticed multiple fraudulent accounts reporting that do not belong to me. These accounts are harming my profile moving forward and I have the right to remove them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Account : XXXX - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
ACIMA DIGITAL FKA SIMP Paid in settlement/Collection history {$2200.00} XX/XX/year> I made attempts to contact the company because even though we settled the debt it's still on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: U.S. BANCORP
State: FL

Complaint narrative:
Hello, Date of birth XXXX - my phone number is XXXX. XXXX of my Social Security number is XXXX. 

I have tried every avenue possible spending countless hours and hours with customer service representatives with no success. 


I filed a dispute with my debit card back in XX/XX/year>- the total charges were {$590.00} My debit card was taken from my purse and used without my authorizations I advised at a time that I suspect it was someone who comes in and out of my home of which who could have easily figured out my PIN number. 

This particular person who is now incarcerated for theft - I suspected use my card, but I could not prove it. 

US Bank claims that they sent me documentation to fill out that I immediately called and advised I never received until this day XXXX months later Ive still yet to receive the document! 

I have spent countless hours with representative that US Bank and senior management who by the way has treat me with such disrespect I havent told my claim was denied because I didnt return the packet never mind I never received the packet And then another representative said that some of the transactions were used with my pin. 

Like I stated to the representative, the person who took my card very easily, could figure out my pen. Its not hard. 

Secondly, I still have yet to receive any packet to fill out any documentation that they were asking for So now since XXXX my account since - {$590.00} of which the bank needs to right move forward with handling the fraudulent charges on my account and rectify my account to a good status

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 2025-10-29 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: MA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Subject : Wells Fargo Denied XXXX Fraud Claim {$440.00} Loss to XXXX XXXX XXXX XXXX  ID XXXX XXXX Details : I was deceived by an online scammer using a fake service called XXXX XXXX Over about XXXX days they convinced me to send XXXX XXXX payments from my Wells Fargo account : a {$20.00} test transfer followed by a {$420.00} transfer ( total {$440.00} ). Both were sent to a XXXX recipient listed as XXXX XXXX. 

I reported these transactions to Wells Fargo multiple times as fraud. On my XXXX  report, the bank did not review the case for at least XXXX hours and ultimately refused to classify it as fraud, saying the transfers were authorized. I was clearly manipulated under false pretenses and never received any goods, services, or refund. 

This was the first scam I have ever experienced. Because I spent much of my early teenage years in XXXX facilities, I have limited familiarity with online transactions and scams. I acted in good faith and reported the problem immediately after realizing Id been deceived. 

I still have the entire conversation with the scammer saved in the original chat app, along with photos of both XXXX payments ( including transaction IDs ) that clearly show the amounts and dates. I can provide these upon request. 

I am requesting a full review under Regulation E and the CFPBs current guidance on fraudulent XXXX transfers. Wells Fargo should reconsider reimbursement or provide a written explanation for denying the claim.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that Experian was sued by the CFPB? 

Below I have a few items that are inaccurate by law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 

Experian was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers this can easily be your company. 

Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting. 

XXXX XXXXXXXX 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 2025-10-29 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: OH

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX  around XX/XX/year>. During the transition, my automatic payments did not carry over to the new servicer, and I was not notified that payments for XXXX and XX/XX/year> had not processed. As soon as I became aware of the issue, I made both payments immediately and have been current ever since. 

XXXX XXXX XXXX later reported those XXXX months as XXXX late payments. These marks are inaccurate because the delay was caused by the loan-servicing transfer, not by failure or inability to pay. Once I saw the issue I contacted XXXX XXXX and made the payment of {$9300.00} to make things current. I contacted XXXX XXXX XXXX to request correction or a goodwill adjustment, but they said they don't do goodwill adjustment. 

I am asking that the XXXX and XX/XX/year> late-payment entries be corrected or removed so that my credit history accurately reflects my true payment performance. 
This is the only blimpish on my credit report. Never had anything like this before. Now its keeping me from getting an equality loan. 

I sent XXXX an email on the XXXX of XXXX and I had to call them to get a response to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: OH

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX  around XX/XX/year>. During the transition, my automatic payments did not carry over to the new servicer, and I was not notified that payments for XXXX and XX/XX/year> had not processed. As soon as I became aware of the issue, I made both payments immediately and have been current ever since. 

XXXX XXXX XXXX later reported those two months as XXXX late payments. These marks are inaccurate because the delay was caused by the loan-servicing transfer, not by failure or inability to pay. Once I saw the issue I contacted XXXX XXXX and made the payment of {$9300.00} to make things current. I contacted XXXX XXXX XXXX to request correction or a goodwill adjustment, but they said they don't do goodwill adjustment. 

I am asking that the XXXX and XX/XX/year> late-payment entries be corrected or removed so that my credit history accurately reflects my true payment performance. 
This is the only blimpish on my credit report. Never had anything like this before. Now its keeping me from getting an equality loan. 

I sent XXXX an email on the XXXX of XXXX and I had to call them to get a response to my email.

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 2025-10-29 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: OH

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX  around XX/XX/year>. During the transition, my automatic payments did not carry over to the new servicer, and I was not notified that payments for XXXX and XX/XX/year> had not processed. As soon as I became aware of the issue, I made both payments immediately and have been current ever since. 

XXXX XXXX XXXX later reported those two months as 60-day late payments. These marks are inaccurate because the delay was caused by the loan-servicing transfer, not by failure or inability to pay. Once I saw the issue I contacted XXXX XXXX and made the payment of {$9300.00} to make things current. I contacted XXXX XXXX XXXX to request correction or a goodwill adjustment, but they said they don't do goodwill adjustment. 

I am asking that the XXXX and XX/XX/year> late-payment entries be corrected or removed so that my credit history accurately reflects my true payment performance. 
This is the only blimpish on my credit report. Never had anything like this before. Now its keeping me from getting an equality loan. 

I sent XXXX an email on the XXXX of XXXX and I had to call them to get a response to my email.

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 2025-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
For some reason, my student loans were transferred from XXXX XXXX XXXX which was amazing coherent constantly answered their phone to mohela. Mohela is an evil company. They refuse to answer their phone throughout the years. They have made it XXXX near impossible to get a hold of anyone or to get any information about your loans. It seems like their goal is to keep you in the dark so that you default or miss an update on your forbearance application applications. Ive been trying to contact them for information for years and they refuse to answer or call me back. This is the second time I have applied here to get them to contact me and they refuse to contact me. Anybody should be able to contact their student loan servicer at the drop of a XXXX  all of this information as a resource should be there for us to help us guide us through the process of paying back our loans or staying on forbearance or whatever need to be. I have nothing but malcontent to worship upon mohela a truly despicable company and group of people. Not to mention this organization is supposed to be shut down by our goverment to make things even worth for us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I need you to verify this entry ; its late and potentially inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I tried to open a Cash App account and when I was verifying my identity my account was closed. The next day I contacted cash app and went through the appeal process and was issued the same result. The problem is I've never had a Cash app nor have I ever used the service before so I'm not sure exactly what I violated and the company won't tell me. Again, I never used the service, no activity on that service at all. So I don't being prevented from using the service when I have no activity on the service " at all. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation