vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
XXXX reported a 30-day delinquency in XX/XX/year> after their system failed to process a {$100.00} AutoPay charge which should not have been billed in the first place. AutoPay had been active and running properly for years, and my XXXX account had over {$13000.00} at the time, so this was not a funds issue. The month prior, I charged approximately $ XXXX on the card, which was supposed to be paid off in full via AutoPay as it always had been. I was hospitalized during this time and had no idea a payment had failed, because I was never notified and had no reason to suspect anything was wrong. Once I was contacted, I paid the amount manually BUT SET UP AUTOPAY AGAIN. Over the phone with them. I have never missed a payment in my life not once and my payment history confirms this. 

Later, I received an unexpected bill for interest and late fees, which Deserve support told me would be reversed, but they never were. These fees triggered a false delinquency that I had no fair opportunity to resolve. My account was eventually closed with a {$0.00} balance, but the 30-day delinquency is still being reported by Equifax. This reporting is misleading and materially inaccurate. I am requesting the immediate removal of this negative item from my credit file.

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 2025-05-01 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: NC

Complaint narrative:
XXXX reported a 30-day delinquency in XX/XX/year> after their system failed to process a {$100.00} AutoPay charge which should not have been billed in the first place. AutoPay had been active and running properly for years, and my XXXX account had over {$13000.00} at the time, so this was not a funds issue. The month prior, I charged approximately $ XXXX on the card, which was supposed to be paid off in full via AutoPay as it always had been. I was hospitalized during this time and had no idea a payment had failed, because I was never notified and had no reason to suspect anything was wrong. Once I was contacted, I paid the amount manually BUT SET UP AUTOPAY AGAIN. Over the phone with them. I have never missed a payment in my life not once and my payment history confirms this.

Later, I received an unexpected bill for interest and late fees, which Deserve support told me would be reversed, but they never were. These fees triggered a false delinquency that I had no fair opportunity to resolve. My account was eventually closed with a {$0.00} balance, but the 30-day delinquency is still being reported by Equifax. This reporting is misleading and materially inaccurate. I am requesting the immediate removal of this negative item from my credit file.

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 2025-05-01 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
My personal information was involved in XXXX data breach. I believe the following accounts are unauthorized and unverified, as they are unfamiliar to me and have not been validated : XXXX XXXX XXXX Co Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts are likely the result of identity theft due to the breach. Ive attached my dispute letter and a copy of the Equifax data breach settlement as proof. Please investigate and remove these accounts from my Equifax credit report within 4 days as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-05-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX .. XXXX XXXX XX/XX/XXXX .. address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. I am a victim of identity theft due to the XXXX  Data Breach. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-05-01 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: WA

Complaint narrative:
Experian dropped my XXXX XXXX XXXX points stating I was late on my payments however, they had no evidence of any late payments at all. Instead XXXX XXXX boost system is faulty. It was linked to my bank account however, without my knowledge or personal doing, Experians faulty linking ability to some banks are faulty. Because they were unable to link to my bank they dropped my score XXXX points. Here is the statement from XXXX own site stating they themselves can not connect to my bank even after I entered the same password and member ID information. I have exceptional payment history. It should be illegal to falsely claim that I am late on my bills when I absolutley am not but, that they have a problem internally with the ability to link to bank accounts. XXXX not attempted to fix their own software. Here is a copy of the statement from XXXX when I enter my personal banking ID and password. " Your financial institution isn't currently supported to establish a connection to your accounts. '' I would like the XXXX points added back to my score immediately.

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 2025-05-01 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: CO

Complaint narrative:
I need confirmation that every piece of data associated with this account belongs to me. Please review and certify that this is the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts listed below that Ive marked as inaccurate XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have been paying my Comenity Capital Bank store credit card on time but i ran into an issue with making the payment due to me being sick in the hospital having XXXX. i have never been more than XXXX  month late on making my payment until this XXXX time XXXX and XX/XX/year>. Actually its been more than a whole year since that late payment in XX/XX/year> happened. Its now XXXX XXXX am requesting, as this being my first occurrence with being XXXX days late, that Comenity Capital Bank credit card department do a XXXX time courtesy late removal off my credit reports. Also I've paid my full balance more than XXXX time with this company and every time i do they just drop my credit limit down to {$100.00} which is unfair as well. I have paid my total past due balance, am current and have set my account on autopay so that i don't miss any further payments being sick or not. again i am asking that you guys remove the late payment remark off all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I sent the following letter to Capital One Bank N.A. on XX/XX/year>. Allowed 30 days for a response. This is a follow up to my initial correspondence. 


Capital One Bank ( USA ), N.A. 
Attn : Correspondence/Account Servicing Department Re : Request for Validation and Securitization Information Alleged Account : # XXXX To Whom It May Concern : This letter is written solely for informational purposes to assist in making an informed decision moving forward. 
In order to properly validate and understand the nature of this alleged account, I am requesting the following information : 1. A complete and itemized payment history for the alleged account, including all payments made, dates, and amounts.

2. A breakdown of all fees, interest, and other charges assessed to the account from inception to present.

3. The full name of any trust, special purpose vehicle ( SPV ), or other entity to which this alleged account was sold, transferred, or securitized.

4. A copy of the Pooling and Servicing Agreement ( PSA ) associated with the securitization of this alleged account, if applicable.

5. Any documentation evidencing the legal transfer or assignment of the account, including chain of title, sale agreement, or similar records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/year>, several inquiries were made from companies that I do not recognize and I have never requested credit. The following appear in my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX via dealer Inquiries dated XXXX XXXX XXXX XXXX, XXXX Tx, XXXX XXXX XXXX XXXX XXXX via XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX  Inquiries dated XXXX XXXX Battery XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Inquiries dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I contacted credit companies and bureaus, but none of them resolved this.

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 2025-05-01 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: NV

Complaint narrative:
On XX/XX/year>, several inquiries were made from companies that I do not recognize and I have never requested credit. The following appear in my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX via dealer Inquiries dated XXXX XXXX XXXX XXXX, XXXX Tx, XXXX XXXX XXXX XXXX XXXX via XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX  Inquiries dated XXXX XXXX Battery XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Inquiries dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I contacted credit companies and bureaus, but none of them resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-01 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: LEXISNEXIS
State: LA

Complaint narrative:
I am filing this complaint because LexisNexis Risk Solutions is furnishing inaccurate and/or unverified public record information such as a XXXX  on my consumer report. On XX/XX/year> and again on XX/XX/year> I sent formal written disputes and an affidavit to LexisNexis via certified mail at the address listed on their official website ( XXXX XXXX XXXX ). 

Both dispute letters were returned to me as undeliverable by the United States Postal Service. This raises serious concerns about whether consumers can exercise their rights to dispute under the Fair Credit Reporting Act ( FCRA ), particularly under 1681i and 1681e ( b ), when the address provided is either not monitored or intentionally inaccessible. 

The information LexisNexis is reporting ( a XXXX  record ) is damaging to my consumer profile, and I have not been given the opportunity to challenge or validate it as required by law. I also believe the XXXX information may have been obtained through an unverified third-party aggregator and not directly from the court of record, which may violate reporting accuracy standards and XXXX XXXX XXXX. 

As a XXXX XXXX, I am further concerned that my consumer rights under the FCRA and the XXXXXXXX XXXXXXXX XXXX XXXX  ( XXXX  ) are not being respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CT

Complaint narrative:
What happened : I filed a dispute through Cash App on XX/XX/year>, regarding a {$710.00} transaction with XXXX XXXX ( Transaction ID : XXXX ). My dispute was denied the very next day, XX/XX/year>, and it appears no meaningful investigation was conducted. Based on what I was shown in the app, there was no evidence reviewed beyond my initial submission. 

This transaction was related to a traumatic travel experience. My boyfriend and I were returning home to Connecticut from XXXX XXXX, XXXX XXXX. He accidentally left his ID in my checked luggage. We realized quickly and went back to the XXXX desk, but the staff gave us conflicting and misleading information. They first claimed the bag was already in transition, then later said a family member had picked it upwhich was not true, as we were all together. 

My boyfriend was detained briefly by XXXX for an interview ( which he passed ), but by the time he reached the gate, the door had just closed. I begged a flight attendant to let him boardhe was only minutes latebut they refused. I was forced to board without him, and my boyfriend was left stranded in XXXX XXXX overnight. He had to purchase a new ticket on his own to get home. 

I was so emotionally overwhelmed that I broke down in tears in front of the flight attendant, begging for help. It was incredibly embarrassing and dishearteningespecially because she didnt seem to care. 

XXXX refused to take accountability or offer any kind of refund or support, and Cash App denied my dispute without even investigating. This entire experience has been devastating. 

Given the CFPBs recent enforcement action against Cash App for failing to investigate disputes properly, I believe my case reflects exactly the kind of consumer harm the Bureau is trying to prevent.

What resolution are you seeking?

I am requesting : A full and proper reinvestigation of my dispute Documentation of the evidence used to deny the original claim A refund of {$710.00} transaction if warranted Accountability from Cash App for failing to uphold consumer protections under the Electronic Fund Transfer Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are several accounts with XXXX XXXX  that are continuing to report to credit reporting agencies accounts that were charged off! Charge off accounts are considered income and income is not to be reported to credit reporting agencies accounts. Yet here they are doing it. As well as with these charge off accounts 1099s are to be provided but never were.

Company response to consumer: Closed with non-monetary relief