vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I recently obtained a copy of my credit report from your agency and discovered that : XXXX is reporting late payments on my studentloan account ( Account No. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 
XXXX of XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 


Under FCRA XXXX, you have * * 30 days * * to investigate and correct or delete the disputed information : contentReference [ XXXX ] { XXXX }. Failure to do so will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and my State Attorney General and pursue further remedies under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Subject : Improper Reporting and Verification of Bankruptcy FCRA Violations I am filing this complaint because the credit reporting agencies continue to report a bankruptcy on my credit file without providing legally required verification, despite multiple disputes. I have disputed this bankruptcy several times with the credit bureaus, and each time it is marked as verified without any documentation showing how it was verified or which source supposedly confirmed it. XXXX was the only source in which deleted this unverifiable information. 

Under the Fair Credit Reporting Act ( FCRA ), once an account is disputed, the credit bureaus must conduct a reasonable investigation and provide the method of verification when requested. I have requested the method of verification and have not received any proof, documentation, or communication showing : The name of the person who verified the bankruptcy The method used to verify the information The documents relied upon to confirm the accuracy Bankruptcies are public records, but the courts have confirmed they do NOT verify consumer information for the credit bureaus. The courthouse clerk does not verify consumer disputes, and the credit bureaus continue to claim verified, which is false, misleading, and in violation of FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ). 

Because the credit bureaus can not provide documentation from the actual furnishing sourceand the courts do not furnish or verify this informationthe continued reporting of this bankruptcy is inaccurate and unlawful. 

I am requesting the following resolution : Immediate deletion of the bankruptcy from my credit report with Transunion and Experian, as they have failed to properly verify it. 

An investigation into the bureaus repeated verified responses without providing documentation. 

A written explanation of how the item was allegedly verified when no verification source exists. 

The repeated failure to conduct a reasonable investigation and provide the required verification violates my rights under the FCRA. I am requesting enforcement action and removal of this inaccurate and unverified information. 



FCRA Violations : 607 ( b ) Failure to maintain maximum accuracy 611 ( a ) Failure to conduct a reasonable reinvestigation 611 ( a ) ( 7 ) Failure to provide the method of verification upon request 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information Additional Supporting Points : Courts do not furnish bankruptcy data to credit bureaus Courts do not verify consumer disputes Bureaus rely on third-party sources ( XXXX / PACER scraping ), which are not original furnishers Verified without documentation = unreasonable investigation

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 2025-12-02 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello! I recently moved addresses and 2 accounts were not closed during the move. Several charges built up that I was unaware of and as a result, I've received a large hit to my credit score. When I became aware of the charges I immediately paid them, but I would like my credit score to accurately reflect the error. I have always been on time and consistent with paying my bills and debts so to see my credit score drop over 150 points has been extremely unsettling. The payment to Georgia XXXX XXXX specifically was for several months of service for the new tenant that I received no benefit for paying. 

For more information on the billing companies themselves, the payments were made to : - Georgia XXXX XXXX, {$260.00}, XX/XX/year> - XXXX XXXX XXXX XXXX, {$23.00}, XX/XX/year> Please let me know if there's anything that can be done, and thank you for taking the time to read 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 2025-12-02 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: CA

Complaint narrative:
I am writing to dispute certain items reported on my credit report, which I believe are inaccurate or incomplete. Below is a detailed list of the accounts in question, categorized by bureau, along with the reasons for the dispute.Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Late Payment Accounts : XXXX XXXX Account Number : 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 2025-12-02 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 filing this complaint because several items across my credit reports appear to be inaccurate, inconsistent, or unverifiable. I am requesting that the CFPB assist in ensuring all three credit bureaus conduct a proper investigation under the FCRA. I am only asking that all information be verified with documentation or removed if it can not be validated. 
Charged-Off / Collection Accounts I am disputing the accuracy, ownership, dates, balances, and reporting consistency of the following accounts : XXXX XXXX Acct ending XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$1300.00} XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$5900.00} XXXX XXXX Acct ending XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$730.00} XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$1600.00} XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$29000.00} XXXX & XXXX Acct XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$9200.00} XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$760.00} XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$8300.00} XXXX Acct XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$3100.00} XXXX Acct XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$8700.00} These accounts contain inconsistencies, old dates, unverifiable balances, or do not match the information shown on the other bureaus. I request full validation or removal. 

B. Hard Inquiries I am disputing these inquiries as unauthorized or misreported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that Equifax verify permissible purpose or delete them. 

XXXX XXXX Payments I dispute the accuracy of the late payment reporting for : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The payment history appears inaccurate or inconsistent with other records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-02 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: PA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

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 2025-12-02 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: GA

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 2025-12-02 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: CA

Complaint narrative:
This entry is inconsistent with my established financial record. I respectfully request that it be reviewed and amended as warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-12-02 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 2025-12-02 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX AUTO ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
On XX/XX/2025 I accidentally sent {$100.00} to a recipient thats not in my contacts and Cash App said there was nothing they do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Complaint Regarding Missing Credit Balance Refund I am writing to file a formal complaint regarding XXXX XXXX XXXX failure to issue my credit balance refund in the amount of {$2000.00}. 

On XX/XX/XXXX, Bank of America processed a credit balance refund debit for {$2000.00}, and I was informed that I would receive a refund check by mail. I called in XXXX to confirm, and the representative advised me to wait and that the check would arrive within 7 days. 

The check never arrived. 

On XX/XX/XXXX, I contacted customer service again and spoke with a representative named XXXX  ( ID # XXXX  ). I was placed on hold for approximately one hour, and no resolution or explanation was provided. I was not given a timeline for when I would receive my refund or any information about the status of the payment.

Bank of America has now held over {$2000.00} of my money for more than a month, despite multiple attempts on my part to resolve this issue. This is unacceptable and has caused significant frustration and financial inconvenience.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My first bill was due on XX/XX/XXXX. On XX/XX/XXXX, I connected my bank account to Robinhood 's credit card app using XXXX, which the app required. I made the payment, and the app confirmed that I had no statement balance. On XX/XX/XXXX, I received an email from Robinhood informing me that the payment had failed. The app still showed a statement balance of {$0.00}, while also showing a {$25.00} fee for a failed payment. I contacted Robinhood support and they indicated that this would only happen due to insufficient funds ; at all relevant times, I had more than sufficient funds in my account, and my account has no record of Robinhood withdrawing the funds, indicating that XXXX, Robinhood 's required middleman, was the reason the payment failed. I asked Robinhood 's support team if I could pay manually, using my bank account and routing numbers, and they re-directed me to the app ; when I tried making a payment this way, it said I could not make a payment as I had no statement balance. Robinhood 's team then said to wait until a statement balance showed up again. To reiterate, the Robinhood team told me that I did not have to make the payment at this time, and should wait. This did not occur until after my payment due date, so Robinhood turned off my card and charged me interest, even though I had offered to pay the amount multiple times and was provided no means of doing so, and Robinhood had told me to wait to make the payment. Robinhood has still not provided me with any way of making the payment and has not responded to my request for a phone call to discuss the situation. Robinhood has all of the relevant email correspondence.

Company response to consumer: Closed with explanation