vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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:
I am submitting this formally dispute due to certain negative entries on my credit report related to the following accounts : First Premier Bank Account # XXXX Bank XXXX XXXX Account # XXXX These entries have been reported as charge-offs and/or collections, and I believe they have been reported in violation of several federal laws and without the required legal basis for such actions. I request that a formal investigation be initiated and that both the data furnishers and credit reporting agencies provide the documentation proving the legitimacy, ownership, and permissible purpose of these reported accounts. 

18 U.S.C. 1028A Aggravated Identity Theft I suspect that XXXX or more of these accounts XXXX involve misrepresentation or unauthorized use of my personal identifying information. Under this law, any individual or entity using personal identification without lawful authority is in violation of federal statutes regarding identity theft. 

15 U.S.C. 6802 Privacy of XXXX XXXX XXXX ( XXXX XXXX ) This law mandates financial institutions to protect consumers ' private financial information. If either creditor shared or misused my financial data without proper authorization or consent, this would constitute a clear violation of the law. 

15 U.S.C. 1681b Permissible Purposes of Consumer Reports ( FCRA ) Under this provision of the Fair Credit Reporting Act, a consumer report may only be obtained for specific, permissible purposes. I demand proof that these institutions had such permissible purpose at the time of obtaining or reporting my consumer data. If no such purpose can be verified, these accounts must be removed from my credit file. 

Pursuant to my rights under the Fair Credit Reporting Act and related consumer protection laws, I respectfully request that : An investigation be opened into the legitimacy of the reporting by XXXX XXXX Bank and Bank XXXX XXXX. 

These institutions provide complete documentation verifying that I authorized the accounts, along with proof of the amount owed and the basis for the charge-off/collection status. 

If the creditors and/or reporting agencies can not produce such documentation, the negative entries be permanently deleted from all credit reporting agencies.

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 2025-08-06 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:
I am submitting this formally dispute due to certain negative entries on my credit report related to the following accounts : First Premier Bank Account # XXXX Bank XXXX XXXX Account # XXXX These entries have been reported as charge-offs and/or collections, and I believe they have been reported in violation of several federal laws and without the required legal basis for such actions. I request that a formal investigation be initiated and that both the data furnishers and credit reporting agencies provide the documentation proving the legitimacy, ownership, and permissible purpose of these reported accounts. 

18 U.S.C. 1028A Aggravated Identity Theft I suspect that XXXX or more of these accounts XXXX involve misrepresentation or unauthorized use of my personal identifying information. Under this law, any individual or entity using personal identification without lawful authority is in violation of federal statutes regarding identity theft. 

15 U.S.C. 6802 Privacy of XXXX XXXX XXXX ( XXXX XXXX ) This law mandates financial institutions to protect consumers ' private financial information. If either creditor shared or misused my financial data without proper authorization or consent, this would constitute a clear violation of the law. 

15 U.S.C. 1681b Permissible Purposes of Consumer Reports ( FCRA ) Under this provision of the Fair Credit Reporting Act, a consumer report may only be obtained for specific, permissible purposes. I demand proof that these institutions had such permissible purpose at the time of obtaining or reporting my consumer data. If no such purpose can be verified, these accounts must be removed from my credit file. 

Pursuant to my rights under the Fair Credit Reporting Act and related consumer protection laws, I respectfully request that : An investigation be opened into the legitimacy of the reporting by XXXX XXXX Bank and Bank XXXX XXXX. 

These institutions provide complete documentation verifying that I authorized the accounts, along with proof of the amount owed and the basis for the charge-off/collection status. 

If the creditors and/or reporting agencies can not produce such documentation, the negative entries be permanently deleted from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian lists XXXX XXXX as an " Also Known As '' name. This is incorrect. My legal name is * * XXXX XXXX XXXX * *, and no other variations apply. Please remove any incorrect or misspelled names from my 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 2025-08-06 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: AR

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or removed provided. 
XXXX XXXX XXXX XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX * * * Balance Owed : {$150.00} XXXX XXXX XXXX XXXX * * Balance Owed : {$800.00} XXXX XXXX * * * * * * * * * * * * * * * * * * * Balance Owed : {$0.00} XXXX AUTO XXXX XXXX * * * * * * * Balance Owed : {$4800.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$240.00} XXXX CRED XXXX Creditor : XXXX  XXXX BANK N.A. XXXX * * * Balance Owed : {$690.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-08-06 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: AR

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or removed provided. 
XXXX XXXX XXXX XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX * * * Balance Owed : {$150.00} XXXX XXXX XXXX XXXX * * Balance Owed : {$800.00} XXXX XXXX * * * * * * * * * * * * * * * * * * * Balance Owed : {$0.00} XXXX AUTO XXXX XXXX * * * * * * * Balance Owed : {$4800.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$240.00} XXXX CRED XXXX Creditor : XXXX  XXXX BANK N.A. XXXX * * * Balance Owed : {$690.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: GA

Complaint narrative:
I got 2 stimulus checks direct deposit into a cash app account and before I could get the money I was incarcerated so I have recently got out and cash app refuses to give me access to the account claiming I haven't proven my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I submitted disputes regarding two charged-off XXXX XXXX XXXX XXXX XXXX  XXXX accounts listed on my Experian credit report. 

Instead of correcting or removing the accounts due to lack of proper verification, Experian re-aged both accounts by changing the past due as of date from XX/XX/XXXX to XX/XX/XXXX, despite no new activity or payments since the accounts were charged off years ago ( last updated XX/XX/XXXX ). 

This re-aging violates FCRA Section 605 ( c ), which prohibits changing delinquency dates to make an account appear newer than it is. It also reflects a failure to conduct a proper investigation under FCRA Section 611, especially since no proof of verification or furnisher response was provided after I requested a Method of Verification ( MOV ).

I am attaching before-and-after screenshots showing the account changes and am requesting the immediate deletion of both accounts from my Experian credit file. If not corrected, I will escalate legally for damages caused by false and outdated reporting.

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 2025-08-06 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

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 2025-08-06 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-06 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: NC

Complaint narrative:
I am writing to formally notify you of the deletion of the XXXX XXXX account ending in XXXX, which had a charge-off balance of {$7200.00}, from my XXXX credit report following a dispute I filed. The removal was completed on XX/XX/scrub> 2025, after your investigation affirmed that the information was unverifiable. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, if an account is deemed unverifiable and is removed from one credit reporting agency, it should similarly be deleted from all consumer reporting agencies, including yours. As the XXXX report no longer lists this account, I urge you to follow suit and eliminate the unverifiable charge-off from my credit report within the next 30 days.

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 2025-08-06 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:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Validate Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

2. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

8. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 


9. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 

11. Validate Account XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

12. Validate Account XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

13. Validate Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you will conduct a reevaluation of these items by contacting the creditor responsible for their inclusion. I kindly ask that any information that the creditor is unable to substantiate be expunged. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), they are required to complete this reinvestigation within 30 days of receiving this correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
My identity has been exposed by XXXX  in the data breach around XXXX. XXXX  XXXX XXXX XXXX XXXXXXXX is still reporting this debt on my credit report and to third party companies without my consent and the validation of debt information being provided to me. In regards to such The LAW has made it clear that financial institutions may NOT sell or disclose my nonpublic information without " MY WRITTEN INSTRUCTION '' " CONSENT '' " PERMISSIBLE PURPOSE '' " OPPORTUNITY TO OPT OUT '' This is a violation of the FCRA, GLBA, and FDCPA. 15 US Code 6802. Furthermore, transactions and experiences were illegally shared on my consumer reports from XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681a ( 2 ) ( i ), reporting information solely as to transactions or experiences between the consumer and the person making the report should not be reported. The experience is the unverified balance company say I owe being shared with third party companies without being verified or my consent. Along with many IRS violations, there are significant levels of financial and cyber crimes committed on both state and federal levels. Section 2 discusses exclusions therefore I am demanding that the transactions and experiences of this account be removed from all consumer reports. In addition, it's in direct violation that a financial institution directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I am writing to formally notify you of the deletion of the XXXXXXXX XXXX XXXX account ending in XXXX, which had a charge-off balance of {$4900.00}, from my XXXX credit report following a dispute I filed. The removal was completed on XX/XX/year>, after your investigation affirmed that the information was unverifiable. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, if an account is deemed unverifiable and is removed from one credit reporting agency, it should similarly be deleted from all consumer reporting agencies, including yours. As the XXXX report no longer lists this account, I urge you to follow suit and eliminate the unverifiable charge-off from my credit report within the next 30 days.

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 2025-08-06 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:
please remove this fraud off my report this info is not mine

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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