vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has willfully violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by continuing to report inaccurate, misleading, and re-aged information on my credit file, despite my repeated disputes. 

I filed multiple disputes directly with Experian regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time, Experians only response was verified with no supporting documentation, no proof of original contracts, and no explanation of how the verification was performed. This is not a reasonable reinvestigation under FCRA 1681i. 

The accounts Experian continues to report contain false payment histories ( showing on-time payments in 2025 that I never made ) and false open dates in XXXX ( illegal re-aging ). These are direct violations of FCRA 1681e ( b ) ( duty to ensure maximum possible accuracy ).

Experians reckless disregard for the truth has destroyed my credit, leaving me with scores in the XXXX, constant denials of credit, higher borrowing costs, and years of financial harm.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Applications were submitted in my name without my knowledge or authorization, leading to fraudulent inquiries appearing on my credit report. I do not recognize these inquiries, nor did I permit these companies to access my credit. This activity has already hurt my credit score, and despite contacting the bureau and being assured by a representative that the inquiries would be removed, they are still showing on my report. The situation has caused me unnecessary stress and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX. I opened a Capital One XXXX XXXX card on XXXX XXXX XXXX. The account was placed on permanently restricted status on XXXX XXXX XXXX. Capital One asked for identity documents ; I submitted a copy of my Social Security card, government ID, and a bank statement on XXXX XXXX XXXX XXXX XXXX XXXX Capital One has refused to reinstate the account or provide any written explanation beyond saying fraud prevention. My account shows a balance of {$700.00} and I have {$900.00} in earned rewards that Capital One refuses to pay. I have attempted to escalate with reps but was told there is nothing more they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and I'm demanding proof of documentation showing permission consent with signature.

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 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
To, Whosoever It May Concern Subject : Delay from Truist Bank in applying payments to mortgage account despite mortgage payment being sent to Truist on time by XXXXXXXX XXXX 

Result : XXXX missed and late payments reported on my credit report, resulting in severe loss of credit score and hence credit worthiness thereby severely limiting my ability to qualify for a new mortgage loan. 

Detailed Explanation : As of today, XX/XX/XXXX, I was informed by a mortgage loan officer that XXXX of my vantage XXXX XXXX XXXX is XXXX, thereby severely limiting my ability to apply for and qualify for a new mortgage loan. He mentioned, that this is primarily owing to XXXX missed/late payments reported by Truist Bank to the credit bureaus, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. Please see attached, artifact XXXX - credit report information. 

This is not the first time I have had issues with Truist not applying the payment to my mortgage account. I have complained to Truist about this issue in the past and they still have late fees tagged to my account despite payments being debited from my XXXX account on time. Back in XXXX of XXXX, I had complained to Truist about this, which led to them opening an investigation and after review they removed a late fee from my account. However, subsequently from XX/XX/XXXX to XX/XX/XXXX, Truist seem to never apply the payments in a timely manner, sent from my XXXX XXXX, and ended up charging me late fees. If that weren't enough they reported the delay to the credit bureaus resulting in a lowering of my credit rating. Please refer to attached details of payments sent from XXXXXXXX XXXX to Truist mortgage from XX/XX/XXXX to XX/XX/XXXX. 

I would like to draw your attention to XXXX specific instance from XX/XX/XXXX when XXXX sent the payment on XX/XX/XXXX, but the payment was not applied by Truist till XX/XX/XXXX and reported as delayed to the credit bureau ( please see attached artifact XXXX ). On contacting Truist, they seem to brush their hands off this issue saying they never received the payment on time. On asking XXXX, they seem to indicate that all payments were mailed well before time and that it only should take a maximum of XXXX business days for Truist to post the payment ( please see attached artifact XXXX ). As a consumer I am at a loss and am being given the run around mainly by Truist Bank. I have been a Suntrust Bank ( merged with XXXX to become Truist ) consumer since XXXX and it was only after their merger with XXXX did this whole debacle first start. 

I need immediate relief from a credit reporting standpoint and would love for the consumer protection bureau to investigate this matter with Truist. Please refund me all the wrongfully levied late fees and please immediately provide me with a credit rating relief.

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 2025-09-02 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MI

Complaint narrative:
To get my original email I used for my new Cashapp account! Which got accidentally transfered to my old Cashapp account which isn't the actual email I used 3 + years ago on my old account I don't no what origanal email I did use or the origanal phone # associated with my old account! My old account has my email I used for my new account with my present phone associated with my new account! Th I know and my lock screen pin associated with new account I just want my email back that got somehow mixup with my new account got mix-up with my new account! I called support like 4 days ago and that where it got mixed up cuz I found a old Cashapp card in my wallet and I wanted to see what the balance was if any transferred to my new account Thur was only XXXX in my old account & about {$600.00} in my new account I was gon na just throw thee old card in the trash anyhow! ii just want my email back from old to new that's whats associated with my new account with present phone & email. Thank you for looking into this matter thank you an email me for more information I have a case number with Cashapp support but can't access at the moment because I'm here on Cashapp! But can access when I'm done here! I hope every is understandable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I am writing to submit a formal complaint against XXXX for inaccurately reporting a collection account originated by " Southwest Credit Systems LP, '' as shown in the attached screenshot. The account remains open and placed for collection, with a balance of {$500.00}, and was reportedly opened XXXX XXXX XXXX, yet continues to negatively affect my credit profile improperly. 

Despite disputing this entry, XXXX  has failed to conduct a proper reinvestigation, correct the error, or provide clear communication about its findings or actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
I am formally disputing inaccurate and/or unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The disputed account ( XXXX ) contain inaccurate, outdated, and/or unverifiable information, violating my consumer rights under 15 U.S.C. 1681i of the FCRA. The credit bureaus and the data furnishers must provide 100 % verifiable, accurate, and complete information, or it must be deleted from my credit file. 
Details of the Dispute : XXXX Inquired XXXX XX/XX/XXXX ; Do not recognized XXXX XXXX Inquired on XX/XX/XXXX ; Do not recognized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; Do not recognized XXXX XXXX XXXX XXXX on XX/XX/XXXX ; Do not recognized XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX ; Do not recognized Legal Basis for Removal : 1. FCRA 15 U.S.C. 1681i If an item can not be verified within 30 days, it must be removed.

2. FCRA 15 U.S.C. 1681e ( b ) The credit bureaus must ensure that all information is 100 % accurate and up-to-date.

3. FCRA 15 U.S.C. 1681s-2 ( b ) Data furnishers ( creditors, lenders, collection agencies ) must investigate disputes properly and correct any inaccurate information. 
4. FDCPA 15 U.S.C. 1692g If a debt collector can not validate the debt with original documentation, they must cease collection efforts and remove the account from reporting.

Request for Resolution : Remove this negative item from my credit report immediately due to non-compliance with federal regulations. 
Provide a written confirmation that the item has been removed. 
If this account is verified, provide full documentation proving its accuracy, including original signed agreements and validation records. 
Failure to comply with my dispute will result in further legal action and a complaint to the Federal Trade Commission ( FTC ) and my State Attorney Generals office. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AZ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This late payment does not reflect my payment behavior and is in error. Please revise my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MN

Complaint narrative:
I wanted to start the XXXX XXXX XXXX retainers. On XX/XX/year> I visited a local office location. At the location I had images taken and was determined I could start. That same day I paid {$250.00} fee as down payment and was told XXXX my the retainers arrive I will start payments. Before I even got the retainers they closed the company and filed for bankruptcy on XX/XX/year>. The app website and customer service number all were XXXX down. 

Not I was sent to collections for a product I never received or used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
claim number XXXX was reversed AS THEY FELT i AUTHORIZED THEM ... ONLY GAVE THE FINAL CAHRGE BACK OF {$52.00}. JUST BECAUSE THERE WERE RETURN THAT NOTHING TO DO WITH ME AND WHO EVER HAD MY CARD MY HAVE GOTTEN IT WHERE i BELIEVE TO HAVE LEFT IT AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$3.00} THESE WERE THE CHARGES : XXXX XXXX XXXX GA XX/XX/year> {$52.00} XXXX XXXX XXXX XXXX XXXXXXXX GA XX/XX/year> - {$13.00} XXXX XXXX XXXX XXXX XXXXXXXX GA XX/XX/year> - {$13.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX XXXXXXXX GA XX/XX/year> {$27.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$110.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XXXX XXXX XXXX, XXXX GA XXXXXXXX XXXX XXXX {$98.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX {$100.00} XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX {$25.00} THIS CHARGE WAS AN EXCEPTION AS IT WAS AN PRESET REOCCURING AUTO DRAFT CHARGE FOR A CAR WASH MEMBERSHIP XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX {$36.00} I NOTIFYIED THEM IMMEDIATELY UPON NOTICE AS I WAS CHECKING THE ACCOUNT TO PROCESS A PAYMENT IN MAY AND SAW THE CHARGES BETWEEN XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> THIS IS VERY FRUSTRATING!!! i HAVE LOCKED ALL MY CARD ACCOUNTS SO THEY CAN NO LONGER BE CHARGED BY THE WRONG PERSON MOVING FORWARD... 
I have offered to get a police report and continued to make my minimum payments as I dont want any further damage to my credit history. I CALLED TWICE FOR AN APEAL AND SEEM TO BE GETTING NO WHERE PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AZ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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 recently obtained a copy of my consumer credit report and noticed inaccurate at unverified information involving late payments in regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Gramm-Leach-Bliley Act protects the reporting of non public personal information from being disclosed on public platforms. 

In accordance with the FCRA, I XXXX XXXX am granted a right to privacy under 15 U.S.C. 1681 section 602. 15 U.S.C 1681 section 604a-2 states that a consumer reporting agency can not furnish an account without my written instructions. Exclusions Under 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. Under 15 U.S.C. 1681a ( 2 ) ( I ), consumer credit reporting agencies can not report transactions or experiences in which late payments are considered. Under 15 U.S.C. 6802, the consumer credit reporting agencies did not disclose to me the reporting of any negative or adverse information nor was I provided with the option to opt out. Under 15 U.S.C. 1681 section 611, all consumer credit reporting agencies must state their method of verification of : How it was verified What documents were used to verify Who verified these late payments Reporting unverifiable information is a violation of 15 U.S.C 1681 section 611a-7 I XXXX XXXX did not authorize the reporting of any late payments on any account through any written instructions nor have I been made aware through proper documentation that any of the information was properly verified. 

Please remove all late payments from the account in question immediately and update the status of on time positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I recently obtained a copy of my consumer credit report and noticed inaccurate at unverified information involving late payments in regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Gramm-Leach-Bliley Act protects the reporting of non public personal information from being disclosed on public platforms. 

In accordance with the FCRA, I XXXX XXXX am granted a right to privacy under 15 U.S.C. 1681 section 602. 15 U.S.C 1681 section 604a-2 states that a consumer reporting agency can not furnish an account without my written instructions. Exclusions Under 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. Under 15 U.S.C. 1681a ( 2 ) ( I ), consumer credit reporting agencies can not report transactions or experiences in which late payments are considered. Under 15 U.S.C. 6802, the consumer credit reporting agencies did not disclose to me the reporting of any negative or adverse information nor was I provided with the option to opt out. Under 15 U.S.C. 1681 section 611, all consumer credit reporting agencies must state their method of verification of : How it was verified What documents were used to verify Who verified these late payments Reporting unverifiable information is a violation of 15 U.S.C 1681 section 611a-7 I XXXX XXXX did not authorize the reporting of any late payments on any account through any written instructions nor have I been made aware through proper documentation that any of the information was properly verified. 

Please remove all late payments from the account in question immediately and update the status of on time positive payment history.

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