vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
The address currently listed on my credit report is completely incorrect and does not belong to me. This false information is actively damaging my credit file and should never have been reported in the first place. The unauthorized address being reported is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This address must be deleted immediately because it is not associated with me in any way. My correct address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Experian is required under federal law to maintain accurate reporting, yet this incorrect address remains on my credit file. This is a direct violation of 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681b, which prohibits reporting information without a valid permissible purpose. Reporting an address that I never authorized further violates my rights under 15 U.S.C. 1681c-2. I am demanding the CFPBs immediate assistance because Experian has failed to resolve this issue despite notice. I have also filed an FTC complaint regarding this matter. If this is not corrected immediately, XXXX  will be in continued willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. This unauthorized address must be permanently removed and must never be reported again.

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 2025-11-28 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-28 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: TX

Complaint narrative:
I am filing this complaint regarding multiple accounts on my Experian report that are inaccurate, duplicated, or unverifiable, in violation of FCRA requirements. 

XXXX XXXX / XXXX Accounts : DEPTEDXXXX ( XXXX, XXXX, XXXX ) obsolete accounts, over XXXX XXXX XXXX. 

XXXX ( XXXX, etc. ) outdated and should be removed. 

XXXX XXXX, XXXX XXXX XXXX, and XXXX request verification from the original creditor, as ownership and balance details are unclear. 

XXXX ( XXXX ) appears duplicated under different names ( XXXX, XXXX, etc. ). 

Several accounts such as XXXX, XXXX XXXX, and XXXX show {$0.00} balances but remain marked as charged off, which may be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX show inconsistencies between Experian and other bureaus. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) confirm these were authorized. 

Late Payments : XXXX XXXX XXXX XXXX XXXX  payment history appears inconsistent with my records. Please validate and update if needed.

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 2025-11-28 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: WA

Complaint narrative:
I would greatly appreciate your help in addressing these accounts, which I did not authorize or open. They appear fraudulent, and supporting evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-11-28 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have been a credit card holder since XXXX XXXX rate but because I complained that I did not think it is fair to punish and penalize me with a rate of 39.99 % for XXXX late payments it is then they said I need to stay on that rate for XXXX billing cycles! I said no way! And made hefty payments, after finding out that i am being charged 39.99 % XXXX! Life change event for when i had my XXXX late payment when i moved to care for my mom from XXXX XXXX XXXX move. Upon bringing it to the attention that they are still charging 39.99 % they said it has to stay that rate for XXXX cycles. I began paying down the balance and had had an available credit of approximately {$700.00} with a credit limit of approximately {$1300.00}. 
So On on XX/XX/XXXX I made a {$480.00} payment on the credit card also on XXXX XXXX I made a {$110.00} payment on the card and also on XX/XX/XXXX I made a {$41.00} payment of on my credit card in which i had available credit in the amount of {$700.00}. But to my surprise no notice! On XX/XX/XXXX I called to inquire about my available credit for a purchase that I need and the agent told me that I have {$18.00} available credit and that the company decreased my credit limit on XX/XX/XXXX, and that a letter was mailed by XXXX on XX/XX/XXXX the same day that they decreased my credit giving me a available credit of only {$18.00} & over the up to the the limit of {$600.00} of limit.had over approximately close to {$800.00}. Available credit. On XX/XX/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 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prog Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint about the way XXXX ( a XXXX XXXX XXXX XXXX installment service ) is reporting and handling my payments. 

XXXX attempts to automatically withdraw my installment payments at XXXX XXXX on the due date, not at a set time. For security, I keep my debit card locked. When XXXX XXXX XXXX attempt tries to pull funds, the locked card causes the attempt to decline. 

Even though I always unlock my card and manually pay the installment the same day, before the due date ends, their system immediately marks the payment as past due. This happens even when it is still early morning and the payment is not actually late. 

For example, on XX/XX/XXXX, XXXX marked a payment as past due at XXXX XXXX  even though the payment was due that same day, and I had not missed the due date. I have attached the screenshot showing this. 

Because of these system-generated past due labels, my account is being incorrectly penalized and my spending limit is being reduced despite the fact that I have not made any late payments. Customer service has refused to correct the issue or remove the inaccurate late flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

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 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC
State: WV

Complaint narrative:
I received a call from Good Leap on XX/XX/year>, stating my payment was not received. Upon researching the issue, I noted Good Leap cashed the check. XXXX from Good Leap noted that the payment was applied to another account. XXXX provided Case Number XXXX for the account ending in XXXX and XXXX XXXX XXXX for the account ending in XXXX where my payment was improperly applied by Good Leap. XXXX stated after a XXXX minute call while coordinating with her XXXX that no collection would call me and that Good Leap would rectify the accounting error. However as of today the issue has not been resolved by good leap, the collections department is constantly calling and no one at the company is correcting my account which is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute certain information on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit file, I have identified several discrepancies and inaccurate entries that need to be corrected. I respectfully request that you investigate and resolve these matters promptly. Below are the details of the disputed items : XXXX. FCRA Violations : Incomplete or Inaccurate Reporting : The reported information does not match my records or fails to reflect accurate payment history, balances, or account statuses. 
Failure to Update Information : Accounts that have been paid off or settled are still reflected as open or charged-off. 
Outdated Information : Items that should have been removed based on the FCRA 's XXXX year rule for negative accounts are still being reported. 
Data Breach : I believe that my personal information may have been compromised in a recent data breach, which could explain the inaccurate information being reported. 
Below are the specific accounts that I am disputing : Disputed Accounts : XXXX. XXXX, XXXX o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Balance : {$3600.00} o Status : Collection o Issue : Account information disputed by consumer. The reporting should reflect the dispute status accurately. 
XXXX. XXXX XXXX o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Balance : {$150.00} o Status : Collection o Issue : Account information disputed by consumer. The reported status should reflect that the dispute is ongoing. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Balance : {$220.00} o Status : Collection o Issue : The account should reflect the disputed status properly, as the balance and payment history are contested.

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 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
XXXX. The APR ( Annual Percentage Rate ) listed is 36.03 % But your payoff sheet shows 35.99000 %, not 36.03 %. 


Amount Financed includes a Balance Paid on Prior Account {$5500.00} XXXX. Filing fee of {$230.00} XXXX. Daily per-diem does NOT match the contract math Your payoff sheet shows : Per diem = {$6.00} XXXX. Security Agreement lists : Riding mower {$3000.00} XXXXinch TV {$2000.00} XXXX-inch TV {$1000.00} Total : {$6000.00} collateral. Late Charge, NSF fees, and repayment schedule The contract allows : Min late fee : {$9.00} Max late fee : {$23.00} NSF fee : {$30.00} These fees must be correctly calculated and awarded only when applicable. 

If your per-diem is wrong, late fees become wrong, too. 




XXXX. Mandatory disclosures appear inconsistent The Federal Truth in Lending Disclosures page lists : Finance charge : {$4700.00} Amount financed : {$7200.00} Total of payments : {$12000.00} XXXX. Payment Schedule Interest rate discrepancy ( 36.03 % vs 35.99 % ) Optional insurance possibly added without true consent Per-diem interest incorrectly calculated Payoff quote not matching contract terms Possible misapplication of payments Overcharging for fees Failure to provide accurate TRUTH IN LENDING disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App wrongfully banned my account for illegal gambling when Ive never done illegal gambling in my life. Now I can not withdraw my funds as I dont have any bank account with my maiden name on it. So now my {$300.00} is locked in Cash App with no way to get it off. I filed an appeal, which instantly got denied with no proof as to why. I called today to file a second appeal, and it feels hopeless. As someone who has never used Cash App for anything illegal this is really a slap in the face right before XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
I am writing to formally dispute the following inaccuracies on my credit reports. These items have negatively impacted my credit, and I request a thorough review and correction in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts : CHARGED OFF EQ : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$960.00} INQUIRIES EQ : [ No inquiries listed for EQ ] LATE PAYMENT EQ  : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am writing to dispute certain items on my credit report with the major credit bureaus. Please find below a detailed list of the accounts that I believe to be inaccurate, incomplete, or incorrectly reported. I respectfully request that these issues be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief