vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am writing this complaint because of an unauthorized account reporting to the major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) Please help me as i have tried to resolve this with them and no luck. This has hindered my score and making it hard for approvals for my rental property and i plan to move and take care of my family in a safe environment.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am writing this complaint because of an unauthorized account reporting to the major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) Please help me as i have tried to resolve this with them and no luck. This has hindered my score and making it hard for approvals for my rental property and i plan to move and take care of my family in a safe environment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am filing this complaint because Equifax is inaccurately reporting several of my accounts as having a history of late payments, even though each of these accounts is clearly Paid & Current with Past Due : {$0.00}. The accounts in question are 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 XXXX XXXX XXXX 

Equifaxs current reporting creates a false narrative that these accounts were delinquent at some point, even though there is no supporting evidence or payment history to substantiate that claim. Each account shows a {$0.00} past due amount, which directly contradicts the implication of any prior delinquency. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that credit reporting agencies maintain maximum possible accuracy when reporting consumer data. Reporting late payments on accounts that are fully paid and in good standing is factually and legally inaccurate.

Despite multiple disputes and attempts to have this issue corrected, Equifax continues to reverify these accounts as accurate without conducting a thorough or reasonable investigation. Under Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], Equifax is required to perform a meaningful reinvestigation of disputed informationnot rely on automated verification from furnishers who fail to provide original documentation or payment records that prove a legitimate delinquency ever existed. Instead, Equifaxs responses have been generic, dismissive, and automated, showing no sign of actual review or accountability. 

These reporting errors have caused tangible harm in my life. The presence of inaccurate late payments has led to denials of credit, increased interest rates, and emotional distress from seeing my responsible financial behavior misrepresented. I have worked hard to maintain a clean payment history, and it is infuriating to see that effort undermined by careless data handling. Consumers like me should not have to repeatedly dispute the same errors only to receive the same unhelpful, automated responses. This is not just a clerical mistakeits a violation of trust and federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have automated payments every month, XXXX of each month. When I went to check on the payment status for XXXX, the online portal indicated that I had a past due amount for XXXX. The statement says my payment was reversed. I called customer service and they said my credit union was not valid. ( I have made multiple payments to this credit card using this credit union ). I asked her if I could escalate my claim and she said " they don't do that '' So not only can I not use my credit union to make a payment, I have a 30 day late payment. I never received any mail or email correspondence pertaining to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up regarding the complaint I previously filed about inaccurate items that Equifax continues XXXX report despite my repeated disputes and submissions of documentation. Ive done everything a consumer can reasonably do Ive provided proof, followed instructions, and waited for Equifax to handle the matter properly. Yet the same information that should have been deleted is still showing on my credit report, and my confidence in the process has slowly eroded with every delay. 

I know that under the Fair Credit Reporting Act, Equifax is required to conduct reinvestigations that are fair, thorough, and timely, and that unverifiable or inaccurate data must be deleted. But from my perspective, it feels as though the reinvestigation process was either rushed or automated without meaningful review. The consequences for me have been very real limited credit opportunities, emotional distress, and the feeling that my efforts to correct these wrongs are being dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AL

Complaint narrative:
I am demanding the following corrective actions : 1. Immediate deletion or blocking of inaccurate, unauthorized, or unverifiable items from my credit file, as required under the FCRA.

2. Written confirmation of whether my information was compromised in the XX/XX/year> breach, with details of what specific data elements were exposed. 
3. Enhanced consumer protection : lifetime identity theft monitoring and reimbursement guarantees for any fraud losses ( not just the insufficient 24 months currently offered ).

4. A written statement of safeguards TransUnion has implemented to prevent future violations of consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have an XXXX Rewards Mastercard that provides 1 point for every {$3.00} spent at a non XXXX  brand store. XX/XX/XXXX I made an {$8700.00} non XXXX store purchase that showed up on my XXXX billing statement. I paid the bill in full but was only credited with XXXX pts at the end of XXXX. Per their terms {$8700.00} non XXXX purchase would give me XXXX reward points. I contacted them on XX/XX/XXXX to find out about the missing points and provided the documentation they requested which showed the {$8700.00} transaction on XX/XX/year> as well as the full payment of {$8900.00} on XX/XX/XXXX. They verified they had rcvd the proof and it would be corrected in XXXX hours. It's now been 14 days and each of the 6 times I have called for an update they say " Case # XXXX has been escalated and will be reolved in XXXX hours but nothing changes with my points. I can't get a supervisor on the phone nor will one call me back. I called Comenity and they are able to see the transaction and payment but refer me back to the reward points program for Comenity which has thus far done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint concerning an inaccurately reported late payment by XXXX XXXX that appears on all three of my credit reports under the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due : {$0.00}. * * This account is currently reported as paid and current, yet it simultaneously shows a late payment notationa direct contradiction that violates the Fair Credit Reporting Acts accuracy requirements. If an account has a past due balance of {$0.00} and is marked current, there should be no delinquency status associated with it. Reporting a late payment on a current and paid account misrepresents the actual account condition and damages the integrity of my credit profile.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to
maintain reasonable procedures to assure maximum possible accuracy of the information they report. Likewise, under 15 U.S.C. 1681s-2 ( a ), furnishers such as XXXX XXXX have a legal duty to report only information that is complete and accurate, and under 1681s-2 ( b ), they must promptly correct or delete inaccurate or unverifiable information once it is disputed. By reporting this contradictory and misleading informationmarking an account as current while also implying XXXX XXXX and the credit bureaus are violating these statutory obligations.

Furthermore, the account in question carries a reported Past Due amount of {$0.00}, meaning there is no outstanding balance. The very presence of a late payment notation under these circumstances is not only inaccurate but logically inconsistent. It is impossible for an account to be both paid and current and simultaneously late. Such inconsistencies are the kind of data errors the FCRA was explicitly designed to prevent. 

Despite my efforts to resolve this issue directly with the credit bureaus and the furnisher, I have received no substantiated documentation or explanation. Instead, I have been met with automated verifications that fail to address the factual contradiction in the reporting. This lack of proper reinvestigation violates my right under 15 U.S.C. 1681i, which mandates that disputed information be thoroughly and independently verified.

This false delinquency mark has caused harm by lowering my credit score, affecting my ability to qualify for favorable credit terms, and creating unnecessary financial and emotional stress. The fact that this inaccurate late payment is present across all three credit bureaus only amplifies the damage and demonstrates a systemic failure in both data furnishing and credit bureau verification processes.

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 2025-10-14 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have no information or acknowledgment of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-14 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/XXXX a recipient sent over {$450.00}. On XX/XX/XXXX a recipient sent over {$300.00}. Both transactions were made through XXXX. There was an agreement for the recipient to send a total of {$750.00} through XXXX and that I would provide the cash to recipient same day. This was a legal, ethical, business transaction. Later, I found out the recipient mistakenly reported a issue with transaction through XXXX  XXXX XXXX, which is their bank. This result in account closure for the recipient and a restriction for me. After contacting XXXX, NFCU, and recipient I was informed on everything that happened. On XX/XX/XXXX According to XXXX, they sent out an letter stating that they have canceled the claim per recipient request. I have gather all documents to provide to NFCU to show that this was done out of a mistake. They responded to me and told me there was nothing they can do and this is a permanent restriction on my account. They stated that I am responsible for all recipients to or from XXXX transactions. I have never been through this kind of hurt before. I have been banking with Navy Federal for years and have build multiple relationships with them. I am sadden to say this has hurt me tremendously and affecting my lively hood. I would like to file this complaint and get back to my normal life. This has everything chaotic at the moment. I need some help on disputing this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Im XXXX Im now receiving social security. Im filing bankruptcy to settle all matters Im not financially able. Reporting this account have damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Southern Oregon Credit Service, Inc.
State: CA

Complaint narrative:
XXXX of XXXX I traded on my XXXXXXXX XXXX XXXX at sole savers in XXXX XXXX  for a XXXX XXXX XXXX. I was making payments, then XXXX of XXXX my car was repossessed due to sole savers stated that I had missed a payment which I know that I didn't. XXXX XXXX XXXX  was the financing company. Then in XXXX of XXXX I received a knock at my door by a process server for south oregon credit services that they are going to sue me. XXXX XXXX XXXX and XXXX oregon XXXX XXXX are the same entity. How can I owe {$2000.00} to XXXX XXXX XXXX and over XXXX to.socs. that's illegal. They violated all laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had two claims with the XXXX XXXX for {$400.00} that I sent through XXXX XXXX, which I reported because I never received the merchandise back, and although I submitted all the information twice, they never approved it. 

The second claim was for {$740.00} when my debit card was stolen, and even with all the required documentation, they also denied that claim. 

I ended up closing my business account because, even though there are fund protection insurances, they declined my claims.

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 monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A couple of weeks ago I went in to my bank and was advised that I didnt need a loan I needed a credit card. This banker said he would start the process. To make a long story short I was denied credit and I believe this was unlawful. Ive been banking with them for a while. These practices are discriminatory because I have a XXXX XXXXXXXX and because Im poor and my age is 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