vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX - open fraud investigation XX/XX/XXXX - investigation concludes XX/XX/year> - request letter regarding investigation - rep said they sent it to the branch and me, we both never got any letter, this is a civil matter that the bank is putting me in jeopardy of now XX/XX/year> - bank disables debit card AND any digital card capabilities, leaving me without any digital payment for XXXX business days and I have a kid and things I have to pay

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 2025-09-25 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX  Account Number : XXXX Reported Late Payments : XX/XX/year> Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Upon reviewing my Experian and XXXX  credit reports, I was outraged to find that my XXXX XXXX account, ending in XXXX, is being falsely reported as having a late payment on XX/XX/year>, despite the account being paid in full, current, and showing XXXX balance and XXXX past due. This is not merely an error ; it is a blatant misrepresentation of my financial behavior, and it is completely unacceptable. 

There is no conceivable justification for reporting a late payment when no payment was missed. I have meticulous recordsbank statements, payment confirmations, and account statements from XXXX XXXXthat clearly prove this account was never delinquent. Yet both Experian and XXXX  are irresponsibly reporting it as late, undermining the accuracy of my credit report and damaging my financial reputation. 

This repeated pattern of negligence is outrageous. I have previously disputed inaccuracies with these bureaus, and the response has been the same superficial verified as accurate statement, with no proof or documentation. This is a direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy, and 15 U.S.C. 1681i, which guarantees a reasonable reinvestigation of disputed information. The bureaus failure to act demonstrates a reckless disregard for their legal obligations and for the financial well-being of consumers. 

The consequences of this false reporting are severe. Every lender reviewing my file sees a fabricated late payment, which artificially lowers my credit score and misrepresents my responsibility as a borrower. This canand hasled to higher interest rates, credit denials, and significant financial stress. It is infuriating to see my years of responsible financial behavior undermined by carelessness or willful neglect.

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 2025-09-25 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: PA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am filing this formal complaint against EXPERIAN for the continued reporting of inaccurate, unverifiable, and unlawful information contained in my consumer credit file. The report shows multiple accounts, late payments, collection entries, and inquiries that violate my rights under federal, Florida state, and other applicable laws. 

VIOLATIONS UNDER FEDERAL LAW ( FCRA & OTHERS ) FCRA 1681e ( b ) : EXPERIAN has failed to follow reasonable procedures to assure maximum possible accuracy by reporting multiple accounts with late payments, charge-offs, and collection entries that are unverifiable. 

FCRA 1681i ( a ) : EXPERIAN failed to conduct proper reinvestigations, leaving inaccurate information on my file without substantiation. 

FCRA 1681s-2 ( b ) : Furnishers and EXPERIAN did not correct or delete information that could not be verified.

FCRA 1681b ( f ) : Unauthorized and excessive inquiries appear on my file without permissible purpose, constituting unlawful access to my consumer report.

Federal Unfair and Deceptive Acts and Practices ( UDAP ) : Publishing false, misleading, and incomplete credit data amounts to deceptive practices prohibited under U.S. consumer protection standards. 

VIOLATIONS UNDER XXXX STATE LAW XXXX  Deceptive and Unfair Trade Practices Act ( XXXX, XXXX. Stat. 501.201 et seq. ) : Reporting false account data, inflated delinquencies, and unverifiable collections constitutes deceptive and unfair practices harming Florida consumers. 

Florida Consumer Collection Practices Act ( XXXX, XXXX XXXX. XXXX et seq. ) : By publishing inaccurate collections and misrepresenting the character of alleged debts, EXPERIAN has contributed to violations of this Act.

Defamation & Negligence under Florida Law : The continued publication of false information regarding my creditworthiness constitutes defamation and negligence, causing reputational and financial injury. 

SPECIFIC ACCOUNTS OF CONCERN ( From Report Dated XX/XX/XXXX ) XXXX XXXX  Showing XXXX late payments despite missing documentation to substantiate accuracy. 

XXXX Reported with past due amounts, XX/XX/XXXX day lates, and credit line suspension, indicating improper reporting and lack of verification. 

XXXX XXXX XXXX XXXX Reported with XX/XX/XXXX day lates, past due balance, and derogatory notations despite prior disputes. 

XXXX XXXX Listed as a collection account ( {$270.00} past due ), flagged as information disputed by consumer, yet still maintained without proper reinvestigation. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) Listed as a collection account ( {$420.00} ), reported without validation and with ongoing negative impact.

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 2025-09-25 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I was a tenant at XXXX XXXX XXXX with a lease ending XX/XX/2025. I vacated the unit on XX/XX/2025 but paid rent through XX/XX/XXXX, completing the full lease term and more. Despite this, XXXX XXXX, through their collection law firm Aldous XXXX Aldous, is attempting to collect early termination/liquidated damages fees. This debt is inaccurate because I did not break the lease early, and charging liquidated damages in addition to collecting rent through the end date amounts to unlawful double recovery. I also requested lease renewal information in XXXX, but management never responded, which should not be treated as me terminating the lease. When i went to renew in XXXX they told me within that week I was going to receive an email with the new lease and dismissed me quickly from their office. I never received anything until I got a call from them XX/XX/2025, only a few days before my lease was up. I told them that I had already secured another place to live since they never reached out to me and I believed I was not going have my lease renewed. I disputed the debt and requested validation, but Aldous XXXX Aldous has not provided documentation justifying the charges. They keep sending my lease to me and the move out statement. I am not disagreeing that I signed a lease. I did sign my lease and I complied with it and lived in my apartment until the end of my lease. Never did I terminate early. By misrepresenting the debt as early termination and attempting to collect fees not permitted by law, Aldous XXXX Aldous may be violating the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e ( false representation ), 1692f ( unfair practices ), and 1692g ( failure to validate ). I request that the CFPB investigate, require confirmation that this debt is invalid, remove any negative credit reporting, and ensure all collection activity ceases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IA

Complaint narrative:
While reviewing my credit reports from Equifax, XXXX, and XXXX, I was frustrated and alarmed to see that XXXX XXXX, account ending in XXXXXXXX XXXX XXXX is being reported as having a late payment on XX/XX/year>XXXX XXXX XXXX, despite the account being paid and current with a past due balance of {$0.00}. This is a clear and verifiable inaccuracy. 

There is no reason for a credit bureau or creditor to report a late payment when there is no delinquency. I have consistently kept this account current, and my own recordsbank statements, payment confirmations, and account statements from XXXX XXXXshow that there were never missed or late payments. Yet all three credit bureaus are displaying this false information, which undermines the integrity of my credit report and creates the appearance that I was negligent with my financial responsibilities. 

This is not an isolated incident. Over the years, I have had to dispute inaccurate reporting from multiple bureaus and creditors, and I have repeatedly encountered the same pattern : the bureaus claim the information is verified as accurate without ever providing documentation or evidence. This is a clear failure to comply with 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. The duty under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy is also being violated, as reporting a paid and current account as late is literally the opposite of accurate reporting. 

The practical and emotional impact is significant. This false late payment drags down my credit score, misrepresents my financial behavior, and affects my ability to access credit on fair terms. It is humiliating to have to defend myself against inaccurate reporting, especially when I have meticulously maintained my accounts. It is stressful and unjust that my creditworthiness is being undermined by careless reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Froze my pandemic unemployment benefits card causing me not to be able to receive the remaining balance left on my pandemic unemployment claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

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 XXXX 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 : ALLY FINANCIAL Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - XXXX XX/XX/XXXX - Account Number : XXXX, Date Opened : XXXX  XXXX - XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} AFFIRM XXXX - XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : $ XXXX  XXXX - XXXX XX/XX/XXXX - Account Number : XXXX, Date Opened : XXXX XXXX - XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to 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 2025-09-25 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: AZ

Complaint narrative:
I have notified Experian numerous times regarding the erroneous reporting appearing on my consumer profile with Experian, via disputing through the company 's website and previous CFPB complaint. After several attempts at having the issues rectified I still have several issues that have not be remedied. I will no longer allow Experian the luxury of performing inadequate investigations, over 60 days periods that continue to return the same erroneous, unverified results. Attached to this complaint is the Federal lawsuit I intend to file XX/XX/year>, if Experian continues to be uncooperative with finding a reasonable monetary compensation for the identity theft, negligent and intentional infliction of emotional distress, deprivation of rights secured under federal law, and more than 300 violations of the Fair Credit Reporting Act. If Experian fails to make any attempts to remedy the unresolved issue of punitive and actual damages I will move forward with the civil suit on the specified date, and will be unwilling to discuss any future settlement offers that do not meet the full demands of the lawsuit.

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 2025-09-25 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: FL

Complaint narrative:
I am disputing the accuracy of late payments on a closed account. The creditor has failed to correct or verify after dispute. 
This continued reporting is unfair, inaccurate, and harmful.

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 2025-09-25 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: CA

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

1681c2 ) that you, the TransUnion 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 Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2200.00} 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. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact 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 2025-09-25 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: CA

Complaint narrative:
While reviewing my Equifax credit report, I was frustrated and dismayed to find three accounts being inaccurately reported as having late payments, despite each being closed, fully paid, and showing XXXX past due balances. These accounts are : The first is XXXX XXXX XXXX, ending in XXXX, reported on XX/XX/XXXX. This account is fully closed and paid, with XXXX past due, yet Equifax continues to reflect it in a way that falsely suggests I was delinquent. 

The second is XXXX ending in XXXX, reported on XX/XX/XXXX, also fully paid and closed. Despite this, it is being reported as if I missed a payment, which is false and misleading. 

The third is XXXX, ending in XXXX, reported on XX/XX/XXXX, again showing a closed and fully paid status with no past due, yet Equifax continues to report it inaccurately. 

These inaccuracies are more than minor errorsthey directly violate the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting paid and closed accounts as late is the exact opposite of accurate reporting. Under 15 U.S.C. 1681i, I also have the right to a reasonable reinvestigation of disputed information, yet these accounts remain incorrectly reported despite my documentation and prior disputes. 

The consequences of these errors are tangible. Each false late payment impacts my credit score, misrepresents my financial history to lenders, and creates barriers when I apply for credit. It is unfair, stressful, and exhausting to see accounts that I responsibly managed continue to appear derogatory on my credit report. Repeatedly confronting these errors feels like an uphill battle, and it undermines my trust in Equifaxs ability to report accurately.

Company response to consumer: Closed with explanation