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 — Information belongs to someone else
Company: Self Financial Inc.
State: NC

Complaint narrative:
Subject : Request for Deletion or Correction of Inaccurate Closed Account Reporting Account Name : SELF / LEAD Account Type : Secured Loan Account Number : Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Balance : {$0.00} Dear TransUnion, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the above-referenced account. According to your records, this SELF / LEAD account is reported as closed with a {$0.00} balance, yet it continues to show late payments and a derogatory status. 

Since the account has been paid in full and closed, there should be no negative or derogatory marks associated with it. Reporting late payments after an account is fully satisfied and closed is inaccurate and misleading, which may unfairly impact my credit profile.

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I request that you : 1. Investigate and verify all information associated with this account ; 2. Provide documentation from the original furnisher supporting the reported late payments ; 3. Remove all late payment notations and derogatory marks if the information can not be fully verified ; or 4. Delete the entire account from my credit report if accurate reporting can not be confirmed.

Please complete your investigation within the 30-day period required by law and provide me with written confirmation of the results and a corrected copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/year>2025, I received advertising from US bank that if it opened a CC i would receive 2 % back on every transaction and, in addition, if i kept $ XXXX in my other US Bank account, I would receive an additional 2 % back. Up through XX/XX/year>2025, I received the total of 4 % and then for no reason, without explanation, the bank dropped me down to 2 % total. I called and was put on hold for 40 minutes and was told that the bank changed its policy and I asked for proof. I then went into the XXXX XXXX branch and they said they had no idea. Just today I received the exact same offer for a total of 4 % if I keep $ XXXX in my other accounts. At best this is deceptive advertising, at worst it is fraud.

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IPAC'S Inc.
State: TN

Complaint narrative:
I received numerous calls throughout the day, everyday from XXXX. The recording nevere says who the debt is for or who the call is intended for.

Company response to consumer: Untimely response
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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing inaccurate late-payment reporting that appears across my credit files with Equifax, Experian, and TransUnion. I am an Equifax XXXX XXXX consumer and also confirmed as impacted by the XXXX XXXX XXXX XXXX ( XXXX  ). Because both breaches exposed my personal identifiers, I face an elevated risk of file mismatching and inaccurate data reporting. This makes it critically important that the credit bureaus conduct rigorous reinvestigations and apply heightened verification standards. 

Despite multiple disputes and submissions of supporting documents, the bureaus and furnishers have continued to report contradictory and unverifiable derogatory data. Instead of correcting or deleting unverifiable information, they left late-payment codes that are inconsistent, not supported by records, and harmful to my credit standing. 

Key problem areas include : XXXX XXXX  ( Account ending XXXX ) Reported as open/current while simultaneously showing a XXXX late in XX/XX/XXXX. 

Contradictory dispute remarks appear across bureaus, showing no uniform or consistent verification. 

No method of verification or original payment records have been provided. 

XXXX XXXX ( Account ending XXXX ) Reported open/current but with a XXXX late in XX/XX/XXXX. 

Conflicting dispute remark coding across bureaus again demonstrates a lack of consistent verification. 

No contemporaneous statements or ledgers were produced to support the late code. 

XXXX XXXX XXXX XXXX XXXX XXXX  These tradelines have been paid and closed with {$0.00} balances since XXXX. 

Despite this, they continue to show XXXX, XXXX, XXXX, and even XXXX late notations, often conflicting bureau to bureau. 

Some bureaus show the same loan as open while others show it as closed, which is factually impossible. 

A closed loan with a {$0.00} balance can not accrue new delinquency. No supporting ledgers have been provided. 

XXXX XXXX XXXX XXXX  Conflicting severe-delinquency codes reported ( XXXX  days vs. XXXX  days late for the same period ) across bureaus. 

Payment-history grids do not align, and dispute remarks differ between Equifax, Experian, and TransUnion. 

These inconsistencies demonstrate the data is not being reported with maximum possible accuracy as required by FCRA 1681e ( b ). 

Why this matters : These contradictions show that no reasonable reinvestigation occurred under FCRA 1681i. Publishing derogatory data without documentary proof while accounts are simultaneously coded as current, closed, or {$0.00} balance causes severe and unlawful harm to my credit scores. The presence of both Equifax XXXX XXXX exposure and XXXX XXXX XXXX XXXX impact magnifies the risk of mixed or misattributed data, yet the bureaus did not exercise heightened care.

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 card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have filed disputes with XXXX  on XX/XX/year> and in previous years regarding an account reported by Target. I specifically requested proof of the charge-off status and correction of the reported balance. 

Each time, XXXX  marked the account as verified without providing me with documentation or evidence to support the verification. The account is being reported with the wrong balance. I have made monthly payments, but my payment history is not being reflected.

I believe this reporting is inaccurate and incomplete under the Fair Credit Reporting Act. I am requesting that the inaccurate information be corrected or removed, and that XXXX  and Target provide proper documentation of verification, including account statements or records supporting their reporting.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  XXXX Date : XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX : XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$610.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$270.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$660.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$560.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$820.00} XXXX XXXX  Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud

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 — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
Loan max title loan has a title to my XXXX  XXXX  i took out an additinal loan to pay for that one

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 — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Multiple unauthorized hard credit inquiries have appeared on my credit reports across XXXX XXXX and XXXX. I did not authorize these pulls, did not submit applications, and did not consent to any hard inquiries. These are damaging my credit unfairly and may be related to identity fraud. 

Below are the inquiries by company and date : XXXX XXXX  XX/XX/XXXX Barclays Bank ( BRCLYSBANKDE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not apply for loans, credit cards, or financing with any of these companies on the listed dates. I have disputed directly with the bureaus and creditors, but they have not provided any signed or electronic authorization forms, as required under FCRA 604. Since no proof of authorization has been provided, these inquiries are inaccurate and harmful to my credit profile.

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: Experian Information Solutions Inc.
State: TN

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/year>, I sent XXXX funds of {$1000.00} from my XXXX XXXX  account to my Charles Schwab account. I attempted to send XXXX funds from my Charles Schwab account to my XXXX account. It was there where my account was locked and I called Schwab for options to open my account. The representative there was immediately unprofessional and rude refusing to understand my explanation for the source of my funds. After I explained my situation she verbatim said I dont understand but refused to listen anymore and refused to provide any information on when to expect updates. I had called later and was given a case number and faxed documents they requested. It was been a week later on XX/XX/XXXX and they still provided no updates. I demand recovery of funds that were stolen by Charles Schwab.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6100.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or 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 the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I have made multiple requests via all avenues available with XXXX  and they refuse to respond to any of them in a timely manner until I file a CFPB complaint ( such as my last one ). 

Previously they stated that orders need to be over 30 days to warrant SCRA protections. While that is true for the XXXX XXXX, it is not for me. I am in the reserves and any set of orders counts. My orders were for " annual training '', which is specifically mentioned in the law as meeting the requirement. 

Only one other institution has continuously made this error. Every other banking or credit institution correctly applied the law. I have attached an attorneys letter to the other institution outlining that the 30 days does not apply 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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: IL

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 non-monetary relief