vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
Experian Information Services XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Reporting under FCRA Account Number : XXXX To Whom It May Concern, I am writing to dispute several inaccurate and unlawful items being reported on my Experian credit report regarding the above-referenced account. This account contains multiple violations of the Fair Credit Reporting Act ( FCRA ), which require immediate correction or deletion. 

Here are the issues identified : XXXX. * * Balance Inaccuracy * * The reported balance ( {$16000.00} ) exceeds the original balance ( {$16000.00} ). Inflating balances without documentation violates FCRA 602 ( A ) and 623 ( a ) ( 1 ) ( A ). 

XXXX. * * Contradictory Status Reporting * * The account is listed as XXXX XXXX as of XX/XX/XXXX while also showing new delinquencies and payment history into XXXX. Once charged off, additional late payment notations are not accurate. This constitutes double reporting and violates FCRA 607 ( b ). 

XXXX. * * Re-Aging of Account * * Payment history continues past the charge-off date into XXXX, artificially extending the derogatory reporting timeline. This is prohibited under FCRA 605 ( c ). 

XXXX. * * Conflicting Balance Information * * The account states {$16000.00} written off while also reporting {$16000.00} past due. A balance can not simultaneously be considered charged off and past due. This violates FCRA 623 ( a ) ( 1 ) ( A ).

5. * * Missing Creditor Information * * The Original Creditor is not listed. FCRA 609 ( a ) ( XXXX ) ( A ) requires the consumer reporting agency to maintain and provide the original creditors name and address. 

XXXX. * * Failure to Update Correctly * * Status updated XX/XX/XXXX conflicts with ongoing reporting into XXXX, showing the account has not been updated accurately per FCRA XXXX ( b ). 

These inaccuracies harm my creditworthiness and violate my rights under federal law. Pursuant to the FCRA, I demand that Experian : - Conduct a reinvestigation into this account, - Provide all supporting documentation verifying the accuracy of each disputed item, and- Immediately correct or permanently delete the account if the information can not be verified with XXXX XXXX accuracy. 

If these violations are not corrected within the XXXX timeframe provided by the FCRA, XXXX will pursue further remedies, including filing complaints with the CFPB and seeking damages of {$1000.00} per violation under FCRA statutory provisions. 

Please provide me with written confirmation of your reinvestigation results. 

Sincerely,

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 2025-08-26 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: LEXISNEXIS
State: TX

Complaint narrative:
I requested a credit report from Lexis Nexis. As I reviewed it, I see there are addresses listed that I have never lived at. I am also now aware that they have been distributing this informsiton without my knowledge and without my approval. This has causes serious damage to my credit report, fair housing rights, and overall freedom to not have my private information distributed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: FL

Complaint narrative:
I took out a {$150.00} loan with Possible Finance on XX/XX/XXXX. 

Possible Finances own email confirms there was only XXXX charge-off date on XX/XX/XXXX. However, my credit reports currently show XXXX separate charge-off dates ( XXXX and XXXX ) and multiple collection notations for this same loan. 

I paid the loan in full on XX/XX/XXXX ( proof attached ), and the balance is now {$0.00}. Despite contacting Possible Finance multiple times and providing full documentation, they have not corrected these inaccuracies. 

These duplicate charge-offs and collections are damaging my credit score and are inconsistent with both the Fair Credit Reporting Act ( FCRA ) and Possible Finances own records. 

Due to the extended period of inaccurate reporting and the significant negative impact this has had on my creditworthiness, I am requesting that Possible Finance either : Correct the reporting to reflect XXXX charge-off date only ( XX/XX/XXXX ), update the account to Paid in Full / {$0.00} balance, and remove any duplicate collection entries, or Remove the tradeline entirely from all credit bureaus as a goodwill resolution. 

I believe full removal is a fair resolution given the ongoing reporting errors, the proven payment in full, and the harm caused by prolonged inaccuracies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

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 non-monetary relief
Consumer complaint received 2025-08-26 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-26 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-26 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:
I am a victim of identity theft. Fraudulent inquiries and accounts have been made in my name without my knowledge or consent, including a credit card account that I did not open. I request that these fraudulent items be removed from my credit report

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On Saturday, XX/XX/2025, I was in conversation with a party from XXXX XXXX to sell some chicken feeders. We arranged a pick up time and were going to do a money transaction through XXXX. The buyer had said that she was on the phone with a XXXX representative to help with the transfer due to the fact that she had a business account and mine was only a personal account. I thought it was a little odd, but what do I know. At first the amount to upgrade my account was {$500.00} plus the {$55.00} sale of chicken products. The XXXX representative said that the buyer will transfer the {$550.00} into my XXXX account, we'll update my account to a business account, and then I'll transfer the {$500.00} back to the buyer. The representative sent me a legitimate looking email, with links to follow to start the process. Then all of a sudden, I'm told that I need to download and open the Cash App in order to complete this transaction. So I downloaded the cash app and created an account. Then I'm asked to take a picture of my driver 's license, front and back, along with a selfie of myself to verify my identity. I didn't think anything box this part because I already have to do this in order to renew an operating license yearly. The next thing I know, they are directing me to the XXXX section in the cash app, where they then had me enter the amount of {$2000.00}. At this point I questioned as to why it's now {$2000.00} when the initial amount was only to be {$500.00}. The representative told me that in order for this transaction, the original XXXX transaction, to continue, I need to enter this amount. I entered the {$2000.00} as requested and nothing happened, the transaction failed. Then the representative had me enter in an amount of {$1000.00} ; two separate times, and that failed. Finally they had me enter in the amount of {$500.00} and that went through. The representative also asked me how much I had on my account as to which I did not give out this information. All while this is going on, the buyer is messaging me that she is also going through all of these steps and that's she's had to do this before. I had asked if we could cancel this XXXX transaction and just use cash instead. Her reply was that it wasn't possible to do that. Then all of a sudden, before I know it, I'm {$900.00} in total into this XXXX XXXXransfer before I finally understood what was going on. The gal from XXXX XXXX went silent and the XXXX representative because more demanding, asking me to download more apps, and even for my banking information. Needless to say, I'm out of {$900.00} of hard earned money that's to fees my children, a bank that is washing their hands of it, XXXX won't even acknowledge the fact that they were used in a scam and lastly, Cash app for washing their hands immediately insisting there is nothing they can do about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Caribou Financial, Inc.
State: PA

Complaint narrative:
I was using XXXX XXXX when I saw an advertisement from Caribou XXXX XXXX promising a chance to lower my interest rate on my car loan. The company had access to my loan details, including the make, model, and year of my vehicle. Despite having this information, the advertisement claimed I could improve my interest rate. My car is a XXXX XXXX XXXX with approximately XXXX miles. When Caribou checked my credit ( which is over XXXX ), they indicated that I could only reduce my monthly payments by extending my loan term, and that the new interest rates would be higher than my current rate. This feels misleading, as both XXXX XXXX and Caribou 's advertising gave the impression I could secure a lower rate. I feel misled, and as a result, my credit report was negatively impacted. I would like an explanation and the specific interest rate associated with the marketing presentation I received as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Date of Birth : XX/XX/XXXX Consumer Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX Consumer Social Security Number : [ XXXX ] Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block 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, inaccurate, and false information consists of a personal loan account reported as follows : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$360.00} Reported Balance : {$1000.00} ( as of XX/XX/XXXX ) Monthly Payment : {$120.00} Terms : XXXX XXXX Status : Open {$1000.00} past due as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Creditor Phone : ( XXXX ) XXXX I do not recognize or acknowledge this account. I did not authorize, open, or initiate this personal loan account. This account is the direct result of identity theft and fraud. 

The XXXX account has caused fraudulent reporting and derogatory marks to appear on my TransUnion consumer credit file. These items are not mine and were not initiated by me. 

I have attached : A copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that this account is the result of identity theft and fraud. 
A copy of my consumer credit report showing the fraudulent XXXX account. 

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to : XXXX. Block all reporting of the XXXX account on my consumer credit file within XXXX business days of receipt of this request. 
XXXX. Provide me written confirmation that the fraudulent account has been permanently blocked and will not reappear in any future reporting. 
XXXX. If you determined this account was ever verified, provide me with a description of the procedure used, including the original documentation and the method used in your investigation, per FCRA 611 ( a ) ( 7 ). 

This complaint is made of my own initiative and all correspondence regarding this dispute should be returned to me at the address listed above.

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 2025-08-26 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:
Consumer Name : XXXX XXXX Consumer Date of Birth : XX/XX/XXXX Consumer Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX Consumer Social Security Number : [ XXXX ] Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block 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, inaccurate, and false information consists of a personal loan account reported as follows : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$360.00} Reported Balance : {$1000.00} ( as of XX/XX/XXXX ) Monthly Payment : {$120.00} Terms : XXXX XXXX Status : Open {$1000.00} past due as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Creditor Phone : ( XXXX ) XXXX I do not recognize or acknowledge this account. I did not authorize, open, or initiate this personal loan account. This account is the direct result of identity theft and fraud. 

The XXXX account has caused fraudulent reporting and derogatory marks to appear on my TransUnion consumer credit file. These items are not mine and were not initiated by me. 

I have attached : A copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that this account is the result of identity theft and fraud. 
A copy of my consumer credit report showing the fraudulent XXXX account. 

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to : XXXX. Block all reporting of the XXXX account on my consumer credit file within XXXX business days of receipt of this request. 
XXXX. Provide me written confirmation that the fraudulent account has been permanently blocked and will not reappear in any future reporting. 
XXXX. If you determined this account was ever verified, provide me with a description of the procedure used, including the original documentation and the method used in your investigation, per FCRA 611 ( a ) ( 7 ). 

This complaint is made of my own initiative and all correspondence regarding this dispute should be returned to me at the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate and verify inaccurate information on my credit report, in violation of FCRA 611 ( a ). 

The following accounts are in dispute : XXXXXXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX  ( Duplicate Entry ) Account # XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX The XXXXXXXX XXXX  account is duplicated, creating misleading and inaccurate reporting. 

The XXXXXXXX XXXX XXXX account contains inconsistencies in open date, balance, and late payment history, raising concerns about accuracy and Metro 2 compliance. 

No supporting documentation has been provided to verify the alleged late payments or derogatory marks. 

Under FCRA 611 ( a ) ( 7 ), I request a full explanation of the verification process, including the names, addresses, and telephone numbers of any furnishers contacted and all documents relied upon to verify the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have consistently made my payments on time, and these discrepancies in reporting are both unjust and unlawful.

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 2025-08-26 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief