vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: MO

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). Despite my prior disputes and the evidence, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both. 
Collections : Name Corrections ( XXXX XXXX  XXXX XXXX XXXX  act # XXXX XXXX act # XXXX XXXX XXXX XXXX act # XXXX These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA 1681i, Experian is legally obligated to : 1. Conduct a timely and reasonable reinvestigation of disputed accounts.

2. Delete any item that can not be verified or is found to be inaccurate or incomplete. 3.

Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts.

- A detailed explanation of the methods used to verify the accuracy of each account.

- The removal of any account that remains unverifiable, inaccurate, or incomplete.

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 2025-08-17 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: MO

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). Despite my prior disputes and the evidence, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both. 
Collections : Name Corrections ( XXXX XXXX  XXXX XXXX XXXX  act # XXXX XXXX act # XXXX XXXX XXXX XXXX act # XXXX These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA 1681i, Experian is legally obligated to : 1. Conduct a timely and reasonable reinvestigation of disputed accounts.

2. Delete any item that can not be verified or is found to be inaccurate or incomplete. 3.

Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts.

- A detailed explanation of the methods used to verify the accuracy of each account.

- The removal of any account that remains unverifiable, inaccurate, or incomplete.

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 2025-08-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-08-17 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: TX

Complaint narrative:
XXXX XXXX ( Equifax ) Equifax reports No. of Months ( terms ) = XXXX for my open XXXX XXXX XXXX auto loan. TransUnion and Experian correctly show 60 months. Please correct Equifax to 60 months. 

XXXX late payment month misreported ( all bureaus that show the wrong month ) My XXXX XXXX account shows a single 30-day delinquency in early 2025, but the month differs across bureau . Please update the 30-day delinquency to the accurate month and remove it if unsupported. 

XXXX XXXX late payment months misaligned ( Experian, if incorrect on your proof ) XXXX XXXX cards two-year payment grid shows different months for 60- and 30-day late across bureaus. Please correct Experians month coding to match the actual history and remove it.

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Spring oak collection. I do not have debt with that company. They bought a closed account that was paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I paid the account I'm reporting on XX/XX/scrub> 2021 for the amount of {$2400.00}. There was no action taken since the account is still appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: AZ

Complaint narrative:
I was applying for a bank loan and was denied because of my credit score. When I checked the credit report I see an account for XXXX XXXX XXXX which I researched and seems to be a XXXX Tire credit card. I have never bought tires on credit and have never bought tires at a XXXX store. Even if I did, I would never be crazy enough to pay over XXXX for tires. 

The last time I bought tires, it was from the dealership because that's where I go for my auto service. I am 100 % sure I have not applied for this card and have not purchased anything from 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 2025-08-18 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: TX

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

Company 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 2025-08-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered significant fraudulent activity on XXXX business accounts I held with Cash App. The accounts were under the names of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) and XXXX XXXX XXXX ( XXXX XXXXXXXX ). The associated contact information for these accounts is as follows : XXXX XXXX XXXX  XXXX XXXX : Phone ( XXXX ) XXXX, Email : XXXX XXXX  XXXX XXXX : Phone ( XXXX ) XXXX Unauthorized Cash App credit cards were opened without my consent, leading to fraudulent transactions. 
I immediately contacted Cash App at XXXX to report the fraud. I spoke with a representative named XXXX, who stated he filed a complaint under reference number XXXX. 
I requested to close both accounts due to the identity theft and ongoing fraudulent activity. I also informed XXXX that I do not have access to any of the emails and phone numbers listed on the accounts. However, XXXX stated he was " not able to close out the accounts. '' When I asked to speak with a supervisor, he claimed none were available and could not provide any information on when one would be. 
When I requested that the funds remaining in my accounts be sent to me via mail after closure, XXXX informed me that I " would not get my money if I closed out the account. '' This is an egregious and unlawful statement. 

Cash App 's actions and inactions constitute violations of several consumer protection laws and regulations, including : The Electronic Fund Transfer Act ( EFTA ) : This federal law protects consumers involved in electronic fund transfers and limits a consumer 's liability for unauthorized transactions. Cash App is failing to meet its obligations under this act by not properly investigating and resolving my reports of unauthorized activity and by placing an undue burden on me to recover my funds. 
The Consumer Financial Protection Act of XXXX ( CFPA ) : This act prohibits " unfair, deceptive, or abusive acts or practices '' in the financial marketplace. Cash App 's refusal to close compromised accounts, their failure to provide access to a supervisor to resolve a critical issue, and the deceptive claim that I would forfeit my funds if I closed my accounts are all clear violations of the CFPA. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Cash App 's customer service provided inaccurate and deceptive information, specifically the statement that I would lose my money if I closed the accounts. This is a clear example of a deceptive practice intended to prevent me from taking action to protect myself, thereby allowing the company to retain my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that is inaccurate and fraudulent. These accounts were opened without my authorization as a result of identity theft. 

Unauthorized Accounts to Be Removed : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : n/a Date Opened : n/a Reported Balance : XXXX Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX Reported Balance : XXXX  I have never applied for, authorized, or used these accounts. They are the result of identity theft, and therefore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I have the right to request that these fraudulent accounts and any related negative information be blocked and removed from my credit 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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Date of incident : XX/XX/scrub> 2025 Amount : {$700.00} Called my bank and let them know that I was scammed and they gave me a credit for the amount. After further investigation, they deemed I was liable and the scammer received the money I sent over for a false XXXX advertisement on a home rental.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've noticed that theres some inaccuracies on my credit report.i need them deleted immediately.All old address, all old numbers and old employers not related to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a checking account with chase on XX/XX/XXXX and my dad sent me {$500.00} I then tried to send that to my mom for rent and chase suspended my account for fraudulent activity when I called they couldnt confirm identity over the phone said I had to go in person unable to make it in time they then closed my account and sent me a letter stating they would send a check by mail for my remaining balance of {$500.00} then on XX/XX/XXXX received by mail my final statement saying account closed as of XX/XX/XXXX. It has been XXXX weeks still no check received for my balance of {$500.00}. This in no way was fraud it was my mom and dad that I was sending money to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
I see the report you shared. It shows a XXXX XXXX XXXX XXXX account marked as : Condition : Derogatory Status : Collection / Charge-off Remarks : Charged off as bad debt | Profit and loss write-off Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Reported : XX/XX/XXXX Balance : {$2200.00} ( original {$5800.00} ) [ Your Name ] [ Your Address ] [ City, State ZIP ] [ Date ] To : [ Experian / Equifax / TransUnion ] [ Address ] Re : Dispute of Inaccurate Reporting under FCRA 611 & 623 Account : XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the accuracy of the reporting of the above account on my credit file. This account is being reported with serious inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ) : 1. The account shows a reported date of XX/XX/XXXX, which is a future date and factually impossible. This is inaccurate and misleading. 
2. The account is marked as Charged off as bad debt | Profit and loss write-off, yet still reflects a changing balance. Once a debt is charged off, the reporting must be accurate and can not be re-aged or updated inconsistently.

3. The current reporting may improperly extend the reporting period beyond the 7-year limitation under FCRA 605 ( c ).

In accordance with FCRA 611 ( 15 U.S.C. 1681i ), I request that this item be investigated and either : Corrected immediately to reflect accurate and complete information, or Permanently deleted from my credit report if it can not be verified in full compliance with the law.

Please provide me with written confirmation of the outcome of this investigation within 30 days, as required by law.

Sincerely, [ Your Full Name ] [ SSN last 4 digits ] [ Date of Birth ] Charge-off with balance If a creditor has written off the debt ( profit and loss write-off ), it must be accurately reported. Sometimes creditors continue updating balances incorrectly, which can be challenged under the FCRA 623 ( duty of furnishers to report accurately ). 
2. Reporting Date The account shows Reported : XX/XX/XXXX which is in the future. Thats an inaccuracy, since creditors cant report future-dated information. 
3. Re-aging risk If they push the reported date forward, it can improperly extend how long the account stays on your report. The FCRA 605 ( c ) strictly prohibits re-aging beyond 7 years from the date of first delinquency ( DOFD ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Dear XXXXdministrator ( s ) CHIME Bank is breaking promises that it made and advertised to me in order to entice me to sign up with them.

When I signed up with them, they stated that no fees would be charged since I have direct deposit. 
It was also stated that while my card was frozen, no transactions would be allowed on my card. 
After I froze my card in XXXX, that promise was also broken. They should keep the word of their representatives and advertisements. 
.. They have refused to reimburse me the funds they allowed to be taken off my card, and the fees they took. 
Your attention is appreciated regarding this matter. 
You can reach me at XXXX. XXXX. 
You can access my account if needed, or tell me when you are ready to receive documents in this matter. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
" Several credit companies have reported hard inquiries on my credit report without my authorization. These inquiries were made without my consent, impacting my credit score and violating my rights under the Fair Credit Reporting Act. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: IN

Complaint narrative:
" Several credit companies have reported hard inquiries on my credit report without my authorization. These inquiries were made without my consent, impacting my credit score and violating my rights under the Fair Credit Reporting Act. ''

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 2025-08-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
" Several credit companies have reported hard inquiries on my credit report without my authorization. These inquiries were made without my consent, impacting my credit score and violating my rights under the Fair Credit Reporting Act. ''

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