vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: LEXISNEXIS
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent decision dated XX/XX/XXXX, regarding my identity theft dispute under the Fair Credit Reporting Act ( FCRA ). You stated that my documentation does not support the claim of fraud. I strongly disagree with this conclusion. 

Identity theft occurs in many forms, including unauthorized applications, misuse of personal data, and synthetic identity fraud. A police report is not the sole form of verification under federal law. I have already provided evidence that supports my claim and shows that I did not authorize the accounts or inquiries being reported. 

The FCRA ( 15 U.S.C. 1681i ) requires that all consumer reporting agencies reinvestigate any item a consumer disputes and delete any information that can not be verified. You have failed to verify this information or provide evidence that ties me directly to these accounts. Additionally, FCRA ( 15 U.S.C. 1681c-2 ) provides the right to block information resulting from identity theft with a proper identity theft report, which I have submitted through the FTC. 

Therefore, I am demanding the immediate deletion of the disputed entries from my consumer file at XXXX. If you continue to report inaccurate or unverifiable information, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 

Please send a written response within 15 days confirming deletion of the disputed entries or providing full documentation of your verification process and the original application ( XXXX ) or signature ( XXXX ) used to open the account ( XXXX ) in question. 

Sincerely, * * XXXX XXXX * * XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted documentation to Fair Collections & Outsourcing ( XXXX  ) in response to their request regarding a disputed debt being reported on my credit file. The debt in question is in the amount of {$7400.00}, allegedly incurred between XX/XX/XXXX, and XX/XX/XXXX. 

As requested, I provided a utility bill from XXXX XXXX in my name, confirming that I did not reside at the property or have financial responsibility during the reported date range. This utility bill directly contradicts the claim that I was associated with the account or the property at the time the debt was incurred. 

XXXX received this documentation on XX/XX/XXXX, and has acknowledged its receipt. In addition, I filed a police report reporting this incident as a case of identity theft, and I submitted this report to XXXX along with the supporting documentation. 

Despite being presented with clear, verifiable evidence that I am not liable for the debt, XXXX has continued to report the account to credit bureaus and has not removed the tradeline from my credit file. 

This constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ), which requires furnishers of credit information to : Conduct a reasonable investigation upon receipt of a dispute, Review all relevant information provided by the consumer, and Promptly delete or correct any information found to be inaccurate or unverifiable. 

Furthermore, XXXX XXXX continued reporting of a debt that they have been informed is fraudulent may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in the collection of a debt. 

I am formally requesting that the Consumer Financial Protection Bureau take appropriate action and require XXXX to : Immediately delete the inaccurate debt from all consumer credit reporting agencies, Cease all collection activity related to this account, Provide written confirmation that the account has been permanently removed from my credit report. 

XXXX has been provided with sufficient documentation and legal notice to comply. Their failure to act is unjustified, unlawful, and continues to negatively impact my credit profile and financial standing. 

Thank you for your assistance in ensuring this matter is resolved in accordance with federal consumer protection laws.

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 2025-08-07 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: OH

Complaint narrative:
I have submitted several disputes regarding me not having a contract with debt collectors, to Experian and they allow a copy of a previous bill as ownership. All of these have been closed accounts. I do not have contacts with any of the debt collectors on my credit report. I have requested removal but Experian has supported the third party debt collectors and has not removed from my 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 2025-08-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Law 15USC 1681 A4 Consumers right to privacy My XXXX XXXX Bankruptcy is on my public record. I am a consumer with a right to privacy, this bankruptcy is on my credit report for everyone to see. This is a violation of my right to privacy. 

XXXX is 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 2025-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
The beginning of XXXX I tryed to make a transaction on my cash app card for my car payment I always use this card but this one particular day it wouldnt go through and I had the funds so cash app told me to order a new card which I did once I received my card i was unable to activate it it kept saying security reasons so I reached out to a agent they told me I had to wait 15 days to activate my card which I didnt understand why because yall requested that I even got a new card in the first place the 15days passed I reached back out in the cash app chat thats when I was told my card couldnt be activated for security reasons but nobody could tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MOHELA
State: MD

Complaint narrative:
I have never signed a promissory note with MOHELA, nor have I entered into any agreement with them that would legally obligate me to repay any loan. I previously submitted a request for debt validation through the CFPB, and MOHELA has failed to respond. Their lack of documentation raises serious concerns about the legitimacy of the debt being reported. 
TransUnion has already removed these accounts from my credit report after reviewing my dispute and confirming that MOHELA could not provide sufficient documentation. However, XXXX XXXX XXXX continue to report these accounts despite my formal dispute and request for reinvestigation.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-07 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: NY

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. 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 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 2025-08-07 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: Army and Air Force Exchange Service
State: NH

Complaint narrative:
I had an old Military Star card with AAFES that went delinquent in XXXX. It was placed into collections in XXXX and I paid the full balance in XX/XX/XXXX to make the account a {$0.00} balance. My AAFES credit information is not complete and correct on all XXXX credit reporting agencies. I have disputed the information numerous times with the CRAs with no resolution and the results come back within a day with no serious investigation or confirmation of correct information. They are all missing the Date of First Delinquency as well as not showing Accurate and complete historical monthly statuses. When placing my most recent dispute with Experian and Equifax they updated the account information with further incorrect information and now list the account in collections from XX/XX/XXXX to XX/XX/XXXX with a C designation for all of those months even though the account was paid in full XX/XX/XXXX. I have emailed AAFES multiple times at their credit dispute email and have not received a response. When calling the toll free number they are able to connect me with that department to resolve and offer no ability to resolve this issue. I requested my complete account information from the collections department and they advised that I have to pay for them to send the information and anything older than XXXX XXXX requires a court order. This stops me from being able to submit evidence to the CRAs.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App is a subsidiary of XXXX XXXX  ; however, the basis of its system is XXXX XXXX XXXX which is a platform based on apps versus software and open access terminals. When you lose privileges to a phone number of certain device, it creates a deficit to the customers it services by not allowing access to the accounts and finances they've created with this company. This makes it easier for monetary funds to be stolen and redistributed as there is no customer service route to an actual person and technical difficulties are not addressed with an actual person either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
Ive kept up with my payments consistently, so this may be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Last Fall, I opened a XXXX year fraud alert with Experian. Last week, I logged on to check its status and tried to renew it to no avail. Then on XXXX, XX/XX/XXXX, I received a notice in the mail indicating that my fraud alert had been cancelled. In the last XXXX XXXX, I have tried no less than XXXX times to get an answer from Experian, both in e-mail and by phone, to first check the real status on the fraud alert and second to ascertain why I got a letter indicating it was cancelled. The e-mail responses indicated that the only ay I could be helped was by calling their number, which I did, again and again. Each time, after verifying my identity, the automated service would not allow me access to a human to answer my questions, told me I had to get the information I needed online ( which was not possible since the cancellation letter was not included there ) and then disconnected, every time I called. It's been XXXX XXXX  trying to get answers to XXXX simple questions - XXXX. Is my fraud alert active. ( According to my online page, it is. ). XXXX. If yes, when does it expire and how do I renew it. ( There is nothing online to address this. ). XXXX. If yes, why did I receive a cancellation letter ( Again, no mention of it online. ). And there has been no human contact from Experian to help.

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 2025-08-07 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: NJ

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. 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 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 2025-08-07 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-07 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: CA

Complaint narrative:
CFPB Complaint XXXX  / Experian Reporting Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX Last XXXX of XXXX : XXXX Subject : Credit Report Dispute Experian Company Complaint Is About : XXXX XXXX XXXX Category : Credit reporting, credit repair services, or other personal consumer reports Sub-Issue : Incorrect information on your report I am disputing an account reported by XXXX XXXX XXXX that appears on my Experian credit report with the following issues : XXXX. Inaccurate Balance Reporting : The account was charged off in XX/XX/year> with a write-off of {$3300.00}. However, as of XX/XX/year>, the balance is reported as {$4300.00}, which exceeds the original balance of {$3300.00}. This indicates that additional interest or fees were added after the charge-off, which may violate the Fair Debt Collection Practices Act ( FDCPA ) and/or applicable state law. XXXX. Continued Late Payment Reporting After Charge-Off : The payment history reflects late marks and CO ( charge-off ) entries every month after the XX/XX/year> charge-off date. 
This misrepresents the account status and unfairly penalizes my credit. XXXX. Missing Creditor Information : The report fails to list the original creditor and omits the monthly payment amount. This violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting. 
Requested Action : I request the immediate investigation and correction of this account, including : - Removal of all late payments reported after the charge-off date. - Removal of any post-charge-off interest or fees that were not contractually authorized. - Full deletion of the account if the original creditor and accurate reporting details can not be verified. 
Sincerely, 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 2025-08-07 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief