vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Formal Complaint Against Experian for Re-Reporting Inaccurate Late Payment Status To Whom It May Concern, I am submitting this formal complaint against Experian for their continued failure to maintain accurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite previous disputes, Experian has re-inserted or updated an account with an inaccurate late payment status, causing direct harm to my creditworthiness and financial reputation. 

The account in question ( XXXX XXXX XXXX ) was previously disputed and either corrected or removed. However, Experian has recklessly allowed this inaccurate status to reappear, reflecting a late payment that is factually incorrect. Furthermore, the status on the account contradicts the actual payment history and is not reporting similarly on TransUnion or Equifax, which clearly indicates that Experian has failed to follow reasonable procedures to assure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

I have made multiple good faith efforts to resolve this directly with Experian. Instead of conducting a proper reinvestigation, they continue to verify the inaccurate information without providing evidence of verification, in direct violation of 15 U.S.C. 1681i ( a ). Their actions are negligent and borderline willful, resulting in credit score damage, denials of credit opportunities, and unnecessary emotional distress. 

I demand the CFPB take immediate action to investigate Experians re-reporting of inaccurate information and failure to comply with FCRA requirements. Specifically, I request that the CFPB : Require Experian to delete or correct the inaccurate late payment status immediately. 

Hold Experian accountable for failing to maintain accurate records and reinserting disputed information without proper notice in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Impose regulatory action or penalties as appropriate to ensure Experian complies with federal law.

Attached are copies of supporting documentation showing the inaccuracy of the late payment status. 

This matter has gone on long enough. XXXX carelessness and disregard for the law are unacceptable. I expect a thorough CFPB investigation and timely resolution. 

Sincerely, 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 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
in XXXX of XXXX I received my mortgage statement indicating a change in the payment receiving address. I use online billpay through Wells Fargo, so I logged in and changed the payment address. On XX/XX/XXXX I submitted my payment for the XX/XX/XXXX due date via online billpay and Wells Fargo site showed it would be a paper check. On XX/XX/XXXX I received multiple calls from my mortgage company, XXXX Mortgage, indicating my payment was not received. I called the bank and they confirmed the payment was submitted. I put a stop payment on the check, logged into my XXXX XXXX XXXX and made the payment, including the {$38.00} late fee directly with them. On XX/XX/XXXX my online billpay was submitted for the XXXX payment to XXXX. This time the billpay system indicated it would be an electronic transfer. On XX/XX/XXXX, I received a call from XXXX Mortgage indicating my payment was not received. I contacted the bank and provided the Proof Of XXXX to XXXX. After their research they indicated it was never received and blamed me and Wells Fargo for doing it incorrectly, even though all the information on the Proof Of XXXX indicated 100 % correct. I logged into their portal system again and submitted a payment including the {$38.00} late fee. On this same day, XX/XX/XXXX, my online billpay payment from Wells Fargo to XXXX was also processed for the XXXX payment. It was also supposed to be an electronic payment. On XX/XX/XXXX, it still had not posted, nor the previous payment either so I logged into their online system and made an on-time payment for the XXXX due date. I called XXXX again providing another set of XXXX 's of Payments for both the XX/XX/XXXX and the XX/XX/XXXX payments. They said they did not receive it. My bank, Wells Fargo, provided a proof of payment ( but no proof of tracing and where the actual funds were sent ) and will not allow me to submit for additional tracking online. Its my money and someone has stolen it.

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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
XXXX I think thats all I need to say. They have withheld my total account from accessing any of my money for 5 days now telling me they are reviewing it. There is no reason to review it I didnt ask for it and I didnt give them the right to withhold my total account value without any single reason disclosed or even allowing me to contact the review team. They have no one to call before XXXX no one on weekends and they asked fit bank statements which they have but they say they are reviewing them but they wont allow me my own money. Its not theirs but they control it like its not mine. Ive been hung up on the guy yesterday fell asleep trying to verify my account it took XXXX minutes to wake him up. I can not believe how they take back money they give you Instant deposits but then take your personal money out if your bank and XXXX account leaving you without either amounts. This has happened too many times. They wont let you sell stock but when you do they give you totally different amounts. They are fraudulently running this company there is no way I have access no way to fix it or get my money into a trade or back to my own account until they choose and its completely up to them. How can hiding holding and restricting a person from any of their financial means is legal? They are the most ridiculous company I have ever dealt with. If I could sue I would but they have lawyers and resources we dont have so how can I get just what is mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
i tried to get at the reporting agencie about wrong information in acurate remarks and things missing on the reports

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 2025-09-30 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:
i tried to get at the reporting agencie about wrong information in acurate remarks and things missing on the reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
i tried to get at the reporting agencie about wrong information in acurate remarks and things missing on the reports

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 2025-09-30 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: MD

Complaint narrative:
I am the victim of XXXX XXXX, and fraudulent accounts have been placed on my credit file without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I hereby demand that you block and permanently delete all information resulting from identity theft from my credit report.

I am providing the following documents as required by law : My FTC Identity Theft Report ( satisfying the definition of an Identity Theft Report under the FCRA ) A copy of my government-issued ID A copy of my Social Security card Proof of my current address Under 15 U.S.C. 1681c-2 ( a ), once you receive this identity theft report and my identification, you are legally obligated to block fraudulent information within four ( 4 ) business days.

Please note : A police report is not required where an FTC Identity Theft Report is provided.

Continuing to report fraudulent information after receiving this documentation constitutes willful noncompliance with the FCRA, exposing your bureau to liability under 15 U.S.C. 1681n and 1681o.

Accordingly, I demand that you immediately block and permanently delete all fraudulent accounts and inquiries associated with this identity theft and send me written confirmation that my file has been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
I am the victim of XXXX XXXX, and fraudulent accounts have been placed on my credit file without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I hereby demand that you block and permanently delete all information resulting from identity theft from my credit report.

I am providing the following documents as required by law : My FTC Identity Theft Report ( satisfying the definition of an Identity Theft Report under the FCRA ) A copy of my government-issued ID A copy of my Social Security card Proof of my current address Under 15 U.S.C. 1681c-2 ( a ), once you receive this identity theft report and my identification, you are legally obligated to block fraudulent information within four ( 4 ) business days.

Please note : A police report is not required where an FTC Identity Theft Report is provided.

Continuing to report fraudulent information after receiving this documentation constitutes willful noncompliance with the FCRA, exposing your bureau to liability under 15 U.S.C. 1681n and 1681o.

Accordingly, I demand that you immediately block and permanently delete all fraudulent accounts and inquiries associated with this identity theft and send me written confirmation that my file has been corrected.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Complaint and Request for Oversight of LexisNexis Reporting Practices Consumer Number : XXXX | Case Number : XXXX To Whom It May Concern, I am submitting this complaint regarding LexisNexis Risk Solutions for systemic violations of the Fair Credit Reporting Act ( FCRA ). 
LexisNexis has reported false name variations, multiple incorrect addresses, conflicting identifiers, and has relied on marketing data sources that are not authoritative. These practices violate FCRA 607 ( b ) ( accuracy ), 609 ( disclosure ), and 611 ( reinvestigation ) .I request that the CFPB monitor and enforce LexisNexiss compliance with the FCRA in this matter and ensure a proper reinvestigation. Attached are supporting exhibits, including the LexisNexis disclosure report and proof of my identity and residence. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-09-30 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-30 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: NY

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX 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

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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2025 there were XXXX transactions made on my account that I had no idea of totaling {$360.00}. I disputed it, rejected it then I disputed it again. And chime re rejected. Was also XXXX XXXX XXXX XXXX pending charges that I knew nothing of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/2025 I filled a dispute against a company called creality for a damaged XXXX printer. Yesterday marked the XXXX business day for the bank to deposit the provisional credit and they have not. I Contacted them yesterday and let them know about this issues and they told me the money should be in my account by the end of the day yesterday, and it was not. I had tried to resolve the issue with creality the company starting on XX/XX/2025, and they refuse to pay or send packaging for me to send it back to them for replacement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute certain inaccuracies on my credit report, as permitted under the Fair Credit Reporting Act. I have reviewed my credit report and identified the following issues : 1. * * Inaccurate Personal Information * * : My report contains incorrect personal details, including [ describe the inaccuracies, e.g., wrong address, misspelled name ]. Please update this information to reflect my correct details.

2. * * Unverified Collections * * : I have noticed a collection account listed under my name from [ Creditor 's Name ] with account number [ Account Number ]. I believe this account is inaccurate and unverified. Please provide documentation that verifies this debt, as I do not recognize it.

3. * * Outdated Hard Inquiries * * : My report lists hard inquiries that are beyond the allowable time frame. Specifically, the inquiries from [ list the inquiries ] are no longer valid and should be removed from my report.

I have enclosed copies of my credit report highlighting these items, along with any relevant documents supporting my claims. I kindly request that you investigate these matters and rectify my credit report accordingly. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
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 2025-09-30 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX XXXXXXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX - Balance {$1900.00} Account Name : XXXX # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX - Balance {$2700.00} Account Name : XXXX XXXX  # * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX - Balance {$800.00} Account Name : XXXX XXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX - Balance {$790.00}

Company response to consumer: Closed with explanation