vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
It was on my Wells Fargo " Verify credit card '' Just like my complaint on my XXXX XXXX  credit cards. I was always in good standing, never a late payment. Then after a XXXX fight with XXXX XXXX got a bunch of back pay they owed from yrs of denying and I used that money to make bigger payments to create more space between used and credit limits to increase my credit score. Then they decreased my limit and screwed up my used vs available limit and attacked my credit score. THERE WAS NO GOOD REASON FOR THIS. It appears all these companies attacked my credit score my losing my limits, effectively maxing me out and hurting my score for no good reason. It looks to me like a form of coordinated de-banking why? Because I voted for XXXX or because I'm invested in XXXX? Nobody will give me a good reason, nobody has sent me letters as per the law. And the banks blame it on something they got from XXXX,, but XXXX  said they gave nothing to the banks to do what they did. So each side is pointing at the other but nobody is giving any reason? Because- there is no good reason, so no we move on to their bad faith motives I espoused above and it corresponds EXACTLY with when I started investing in 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 2025-11-10 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Washington XXXX DC XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX XXXX To : XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : FORMAL NOTICE FRAUDULENT ACCOUNT REPORTING / DEMAND FOR IMMEDIATE REMOVAL Creditor Name : XXXX  Account Number : XXXX To Whom It May Concern : This correspondence constitutes my formal and final dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the above-referenced account fraudulently reported on my consumer credit file. The account in question is unauthorized, fraudulent, and not mine, and its appearance on my report is a direct violation of multiple federal laws. Under FCRA 1681b, you are prohibited from using or disclosing my credit information without a permissible purpose. The furnishing of this inaccurate account violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which forbids furnishing information knownor that should be knownto be inaccurate. You are also required under FCRA 1681i ( a ) to conduct a proper reinvestigation within 30 days of receipt of this dispute and remove any unverifiable or false data. Furthermore, under FCRA 1681i ( a ) ( 5 ) ( A ), if the information can not be verified as accurate, it must be deleted immediately from my file. Any continued reporting of this account after receipt of this notice will constitute willful non-compliance under FCRA 1681n, exposing your agency to civil liability, statutory damages, attorney fees, and punitive damages. You are hereby on notice that I will not tolerate the illegal reporting of fraudulent information. If this account is not removed from my XXXX, XXXX, and Equifax credit files within XXXX business days, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and file civil action in federal court for damages pursuant to FCRA 1681o and 1681n. This letter serves as a legal demand, not a request. I expect written confirmation of deletion and an updated copy of my credit file showing that the XXXX account has been permanently removed. Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Washington XXXX DC XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX XXXX To : Experian P.O. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, PA XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Subject : FORMAL NOTICE FRAUDULENT ACCOUNT REPORTING / DEMAND FOR IMMEDIATE REMOVAL Creditor Name : Klarna Account Number : XXXX To Whom It May Concern : This correspondence constitutes my formal and final dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the above-referenced account fraudulently reported on my consumer credit file. The account in question is unauthorized, fraudulent, and not mine, and its appearance on my report is a direct violation of multiple federal laws. Under FCRA 1681b, you are prohibited from using or disclosing my credit information without a permissible purpose. The furnishing of this inaccurate account violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which forbids furnishing information knownor that should be knownto be inaccurate. You are also required under FCRA 1681i ( a ) to conduct a proper reinvestigation within 30 days of receipt of this dispute and remove any unverifiable or false data. Furthermore, under FCRA 1681i ( a ) ( 5 ) ( A ), if the information can not be verified as accurate, it must be deleted immediately from my file. Any continued reporting of this account after receipt of this notice will constitute willful non-compliance under FCRA 1681n, exposing your agency to civil liability, statutory damages, attorney fees, and punitive damages. You are hereby on notice that I will not tolerate the illegal reporting of fraudulent information. If this account is not removed from my Experian, XXXX, and XXXX credit files within XXXX business days, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and file civil action in federal court for damages pursuant to FCRA 1681o and 1681n. This letter serves as a legal demand, not a request. I expect written confirmation of deletion and an updated copy of my credit file showing that the XXXX account has been permanently removed. Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am requesting a reinvestigation of the items listed below. Some information appears duplicated, inconsistent across bureaus, or not fully verified, which raises concerns about accuracy. If TransUnion or the furnishers can not validate the information with proper records, I request immediate deletion. 

CHARGED-OFF ACCOUNTS ( XXXX  ) Please validate or delete if not fully verifiable : XXXX Acct : XXXX | XX/XX/XXXX | {$0.00} XXXX  XXXX Acct : XXXX | XX/XX/XXXX | {$0.00} XXXX XXXX  Acct : XXXX | XX/XX/XXXX | {$1600.00} XXXX Acct : XXXX | XX/XX/XXXX | {$0.00} XXXX XXXX  Acct : XXXX | XX/XX/XXXX | {$990.00} XXXX  Acct : XXXX | XX/XX/XXXX | {$1800.00} XXXX  XXXX Acct : XXXX | XX/XX/XXXX | {$4500.00} LATE PAYMENTS ( XXXX  ) The following late payment appears inconsistent and should be removed if not fully validated XXXX XXXX XXXX Acct : 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 2025-11-10 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: TX

Complaint narrative:
Prior complaint reference : XXXX I submitted a previous complaint that is provided above for your reference. This complaint was handled via Equifax dispute number XXXX. In your response you communicated that this was resolved by data furnisher. This is not correct as you can see in the most recent payment history I pulled from my XX/XX/XXXX report. 

For XXXX  XXXX ; Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; you are reporting XXXX XXXX day late ( not accurate-paid as agreed in XX/XX/XXXX ), XXXX XXXX day late ( not accurate-paid as agreed in XX/XX/XXXX ), XXXX XXXX day late ( not accurate-paid as agreed in XX/XX/XXXX ), XXXX XXXX day late ( not accurate as the XXXX XXXX 60 day late is incorrect as well ), XXXX XXXX day late ( not accurate-paid as agreed in XX/XX/XXXX ). 

The FCRA requires that credit reporting agencies and the furnishers of information ( XXXX XXXX ) ensure the maximum possible accuracy of the information they report. Reporting a 60-day late payment without a preceding 30-day late payment ( especially when the prior month was marked " paid as agreed '' ) is a clear instance of inaccurate and misleading reporting. 

This is the " 6th attempt '' to rectify the accuracy of this account. I'm now at my breaking point. This is ridiculous and you are inaccurately reporting data on my behalf. I want " ALL '' negative payment history removed Immediately. Please provide an updated credit report once these items have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint because XXXX XXXX XXXX  is reporting inaccurate late payments on my Equifax credit report. I previously disputed these items directly with Equifax, but they came back as verified without any supporting documentation or proper investigation. 

When I contacted XXXX XXXX XXXX  about this issue, their representative informed me that the reporting was handled by their AI ( automated system ), which determined the information was correct. This raises major concerns about the accuracy of their reporting and whether a human review or reasonable reinvestigation was ever conducted, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ).

I strongly believe these late payments are incorrect. Based on my personal payment records, these accounts were paid on time, or any delay was due to internal posting or automated system errors on the banks end that should not have been attributed to me. 

Despite this, Equifax verified the information as accurate without providing any proof or billing statements from XXXX XXXX XXXX. It appears the verification relied solely on automated data exchange, not an actual reinvestigation as required by law. 

I respectfully request the CFPBs assistance in ensuring : XXXX. XXXX XXXX XXXX  provides verifiable documentation of the alleged late payments, including payment due dates and posting records.

2. Equifax performs a true reinvestigation under FCRA 611 ( a ), involving human review rather than automated verification.

3. Any inaccurate or unverified late payments are corrected or removed from my credit report. 

These inaccurate late marks have unfairly damaged my credit standing and have caused financial harm. Considering that the bank admitted AI was involved in the reporting and AI systems can make errors I request a full review and correction of this matter as soon as possible. 

Thank you for your time and assistance. 

Sincerely, [ Full Name : XXXX XXXX ] [ Address : XXXX XXXX XXXX, XXXX Connecticut, XXXX ] [ Phone XXXX ] [ Email Address : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-10 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: MI

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 ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc.
State: GA

Complaint narrative:
I am filing this complaint because AppFolio , Inc. is reporting an eviction record that is inaccurate, misleading, and incomplete. The record stems from case number XXXX in the XXXX  Court of XXXX XXXX, Georgia ( XXXX XXXX XXXX XXXX XXXX ). 

The attached Mediated Settlement Agreement, signed and approved by the XXXX  judge on XX/XX/year>, clearly states that the case was settled and that the document serves as a receipt for {$1000.00} paid in full. I have also attached a payment confirmation showing {$1600.00} sent from XXXX XXXX to XXXX  XXXX XXXX ( the landlord ) on XX/XX/year>, for XXXX XXXX rent XXXX XXXX XXXX XXXX. 

This evidence proves the balance was paid in full and the case was resolved through mediation. The reporting of this eviction is therefore factually inaccurate and misleading because the case was not a judgment or unpaid eviction. 

Under FCRA 607 ( b ), a consumer reporting agency must assure the maximum possible accuracy of the information it reports. Continuing to report this satisfied and closed eviction is a violation of that statute. AppFolio, INC also failed to verify the record under 611 ( a ) after my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable in unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations. I did not authorize anyone to take {$7000.00} from me and they fail to investigate. This is my second complaint and nothing has been done. They have not reached out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Good day, I would like for this account to be deleted by XXXX because I have been fighting against different accounts that are fraudulent and incorrect. I also cited a Federal Trade Commission in my earlier dispute. The struggle against this account will come to an end at this point.

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