vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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 filing this complaint regarding inaccurate, incomplete, and unverifiable information on my credit report. My report lists two addresses, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX which are inconsistent and incorrect. It also shows an XXXX account ending in XXXX with a balance of {$2600.00} and a XXXX XXXX account ending in XXXX with a balance of {$950.00}. I have never received proper debt validation for either account, and reporting them without verification may constitute false, misleading, or unfair practices under FDCPA 807, 808, and DCPA 809. Some information appears outdated or the Date of First Delinquency ( DOFD ) is incorrect, violating FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Under FCRA 611 and 609 ( a ) ( 1 ), I am exercising my right to dispute all inaccurate or unverifiable information and request full disclosure of supporting documentation. These errors are affecting my creditworthiness, financial opportunities, and ability to obtain accurate credit 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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am self employed and 90 % of my customers pay via Cash app Cash app closed my account stating.i violated their terms and all i ever did was send money and accept money. I asked for proof of the violation and they want provide. I also asked for a Appeal no contact from Cash app. They have cost me money by closing my account. I want a appeal and the details why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NV

Complaint narrative:
XXXX XXXX is reporting inaccurate and incomplete information on my Experian credit report for my former secured card. The account is closed and charged off, but they are still reporting active credit usage of 95 %, which is impossible and misleading because a closed/charged-off account can not have current utilization. This is harming my credit score. 

They are also reporting inconsistent dates : They show a last payment of XX/XX/year> A past due status as of XX/XX/year> A balance update on XX/XX/year> They list the entire balance of {$820.00} as past due even after the account was charged off. 

Once an account is charged off, the past-due amount should not continue updating or being treated as active. This violates FCRA 1681e ( b ) ( failure to assure maximum possible accuracy ). 

The highest balance of {$860.00} also appears incorrect and does not match my records.

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 2025-11-21 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: GA

Complaint narrative:
XXXXXXXX XXXX I did not authorize this account and I disputed several times with transunion, Equifax, and experian they will not remove this unauthorized account from my credit profile that I did not open They keep denying my dispute last four of my ssn 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 non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: KY

Complaint narrative:
Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX ] for my [ auto loans ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XXXX XXXX XXXX XXXX ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my records, this account was opened on XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. The account is currently reported as having late payments or misrepresented balances, which contradicts my verified account statements. Such reporting is inaccurate, incomplete, and materially misrepresents my credit history. Under FCRA 607 ( b ), furnishers and credit reporting agencies must implement reasonable procedures to ensure maximum possible accuracy of reported information. Reporting errors, such as unverified late payments or incorrect balances, violate these requirements and may unfairly impact my creditworthiness.

Upon reviewing the account history, I noticed that reported delinquencies can not be substantiated by any valid documentation. I have consistently met my financial obligations according to the terms of my account, and there is no credible record supporting the alleged late payment activity. Under FCRA 611 ( a ) ( 5 ) ( A ), I am entitled to request a reinvestigation of any disputed information that is incomplete or unverifiable. I request that your bureau conduct a thorough reinvestigation with XXXX XXXX to verify the account balance, payment history, and all reported delinquencies. If the information can not be verified, it must be corrected immediately to reflect the accurate account status. 
Furthermore, this inaccuracy violates my rights under FCRA 611 ( a ) ( 5 ) ( A ), which provides me the ability to dispute information that is incomplete or unverifiable. I request that, upon reinvestigation, your bureau promptly update my credit file to include this account with all accurate details : the opening date, balance, and payment history. I also request written confirmation of the reinvestigation process, including the methods and sources used to verify this account. Correcting this information is essential to preserve the integrity and completeness of my credit profile, ensuring compliance with federal law and preventing potential harm to my credit evaluation in future transactions.

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 2025-11-21 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my records, this account was opened on XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. The account is currently reported as having late payments or misrepresented balances, which contradicts my verified account statements. Such reporting is inaccurate, incomplete, and materially misrepresents my credit history. Under FCRA 607 ( b ), furnishers and credit reporting agencies must implement reasonable procedures to ensure maximum possible accuracy of reported information. Reporting errors, such as unverified late payments or incorrect balances, violate these requirements and may unfairly impact my creditworthiness.

Upon reviewing the account history, I noticed that reported delinquencies can not be substantiated by any valid documentation. I have consistently met my financial obligations according to the terms of my account, and there is no credible record supporting the alleged late payment activity. Under FCRA 611 ( a ) ( 5 ) ( A ), I am entitled to request a reinvestigation of any disputed information that is incomplete or unverifiable. I request that your bureau conduct a thorough reinvestigation with XXXX XXXX to verify the account balance, payment history, and all reported delinquencies. If the information can not be verified, it must be corrected immediately to reflect the accurate account status. 
Furthermore, this inaccuracy violates my rights under FCRA 611 ( a ) ( 5 ) ( A ), which provides me the ability to dispute information that is incomplete or unverifiable. I request that, upon reinvestigation, your bureau promptly update my credit file to include this account with all accurate details : the opening date, balance, and payment history. I also request written confirmation of the reinvestigation process, including the methods and sources used to verify this account. Correcting this information is essential to preserve the integrity and completeness of my credit profile, ensuring compliance with federal law and preventing potential harm to my credit evaluation in future transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my records, this account was opened on XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. The account is currently reported as having late payments or misrepresented balances, which contradicts my verified account statements. Such reporting is inaccurate, incomplete, and materially misrepresents my credit history. Under FCRA 607 ( b ), furnishers and credit reporting agencies must implement reasonable procedures to ensure maximum possible accuracy of reported information. Reporting errors, such as unverified late payments or incorrect balances, violate these requirements and may unfairly impact my creditworthiness.

Upon reviewing the account history, I noticed that reported delinquencies can not be substantiated by any valid documentation. I have consistently met my financial obligations according to the terms of my account, and there is no credible record supporting the alleged late payment activity. Under FCRA 611 ( a ) ( 5 ) ( A ), I am entitled to request a reinvestigation of any disputed information that is incomplete or unverifiable. I request that your bureau conduct a thorough reinvestigation with XXXX XXXX to verify the account balance, payment history, and all reported delinquencies. If the information can not be verified, it must be corrected immediately to reflect the accurate account status. 
Furthermore, this inaccuracy violates my rights under FCRA 611 ( a ) ( 5 ) ( A ), which provides me the ability to dispute information that is incomplete or unverifiable. I request that, upon reinvestigation, your bureau promptly update my credit file to include this account with all accurate details : the opening date, balance, and payment history. I also request written confirmation of the reinvestigation process, including the methods and sources used to verify this account. Correcting this information is essential to preserve the integrity and completeness of my credit profile, ensuring compliance with federal law and preventing potential harm to my credit evaluation in future transactions.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX  - Date opened XX/XX/year> - BALANCE : {$23000.00}

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Subject : Prosper Marketplace Reporting an Incorrect Account Amount Request for Investigation I am submitting this complaint because Prosper Marketplace is reporting an inaccurate amount on my credit reports, and the XXXX XXXX  credit bureaus ( XXXX, XXXX, and XXXX  ) are continuing to show this inaccurate balance. 

Creditor : Prosper Marketplace Account Type : Personal Loan Issue : Incorrect balance/amount being reported Details of the Problem The amount Prosper Marketplace is reporting is inaccurate and does not reflect the correct balance owed. This misinformation is harming my credit profile and affecting my ability to obtain credit and financial opportunities. 

I have attempted to dispute this information with the credit bureaus, but the amount remains incorrect. Under the Fair Credit Reporting Act ( FCRA ), information furnished to consumer reporting agencies must be accurate and verifiable. 

Prosper Marketplace has failed to correct the inaccurate amount or provide proper verification. 

What I Am Requesting I am requesting that the Consumer Financial Protection Bureau : XXXX. Require Prosper Marketplace to conduct a full investigation into the incorrect amount being reported. 
XXXX. Require Prosper Marketplace to provide documentation that verifies the balance they are reporting. 
XXXX. Ensure the credit bureaus correct or remove the incorrect information if Prosper Marketplace can not verify it. 
XXXX. Help enforce my rights under the FCRA for accurate and fair reporting. 

Harm Caused Because of this inaccurate amount : My credit score has been negatively impacted I have been unfairly denied or limited in credit opportunities My financial reputation has been damaged Relief Requested I request that the CFPB assist in ensuring : The incorrect amount is corrected to the accurate figure, or The account is removed if Prosper can not verify the correct amount Thank you for your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Continental Finance Company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Re : Cease and Desist & Removal of Inaccurate Credit Account Account Number : XXXX To Whom It May Concern : This letter serves as my formal notice for you to cease and desist all communication with me regarding the above-referenced Continental Finance Company XXXX Additionally, under the Fair Credit Reporting Act ( FCRA ), I am demanding that you stop reporting this account to any credit bureaus unless you can provide complete and verifiable documentation proving its accuracy. 



This account is inaccurate, unverified, and incomplete, therefore it must be removed immediately from my credit report. Continuing to report this account without proper validation constitutes violations of : 15 U.S.C. 1692c ( c ) Cease communication 15 U.S.C. 1681s-2 Duty to ensure accurate reporting 15 U.S.C. 1692e False or misleading credit information I am requesting written confirmation that : You have ceased all communication with me regarding this account. 

You have removed or requested removal of this account from all credit bureaus ( XXXX, XXXX, XXXX  ). 

You will not sell, transfer, or assign this account to any third party. 



If you fail to comply, I will file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Tennessee Attorney Generals Office This letter is sent in good faith with the expectation of your immediate cooperation. 



Sincerely, 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 2025-11-21 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: 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.

15 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation