vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: SC

Complaint narrative:
I am submitting this complaint against XXXX and any related XXXX  consumer reporting or data analytics subsidiaries because I am a documented victim of identity theft, and fraudulent credit accounts continue to circulate through consumer reporting systems despite my providing extensive proof of identity theft and data compromise. 


Multiple fraudulent credit accounts were opened in my name without my knowledge or consent. These accounts are not mine. Those accounts are XXXX XXXX XXXX XXXX  and XXXX, which have been identified as ID theft. 

CoreLogic and its related entities are maintaining, distributing, or reselling inaccurate and fraudulent information about me, including identity theft tradelines and related inquiries, to lenders and other users. CoreLogic operates as a consumer reporting agency and data broker, and I understand it supplies merged credit reports, tenant and risk reports, and other consumer files to mortgage lenders and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am disputing the accuracy of the following charged-off accounts, inquiries, and late payments as reported by Experian. I request that these items be investigated and updated according to the Fair Credit Reporting Act ( FCRA ) and that any inaccuracies be corrected or removed. 

Charged Off Accounts XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX  XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX  XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX  XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$9900.00} XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$1500.00} Inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: PA

Complaint narrative:
I am writing to file a complaint against Cash App ( Square Financial Services ). My Cash App account was suddenly closed without warning or explanation, and despite my repeated attempts to contact their support team, they have refused to provide any reason for the closure or a timeline for resolution. 

I have used Cash App responsibly and in compliance with their terms of service. When I contacted support, I was only told that my account was permanently closed and that they could not share further details. This has caused significant inconvenience and financial hardship, as I use the account for legitimate personal and/or small business transactions. 

I am requesting that the CFPB review this issue and assist in obtaining : 1. A clear explanation from Cash App for why my account was closed. 
2. Access to any remaining funds linked to the account.

3. Assurance that Cash App will handle this matter fairly and in compliance with federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report. I respectfully request that these accounts be verified and corrected as necessary. If they can not be verified, I request they be removed in compliance with FCRA 607 ( b ). 

CHARGED OFF DEPTEDNELNET Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} WESTERN FUND Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} INQUIRIES XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENT XXXX Account No : 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the information currently listed on my Experian credit report. Some of the charged-off accounts are showing inaccuracies in both the account balance and status. I request that these items be fully investigated, and if they can not be verified, removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$12000.00} The reported balance of {$12000.00} is incorrect, and I believe the account was charged off prematurely. I request that this be verified and corrected. 

XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} This account is listed with a {$0.00} balance but marked as charged off. I believe there XXXX be an error in the reporting of this balance. Please verify the account status. 

INQUIRIES : XXXX XXXX, Date : XX/XX/XXXX I dispute this inquiry as it does not belong to me. Please remove this inquiry from my Experian report.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute the following accounts and inquiries that have been reported on my XXXX  credit report. The accuracy of these entries is in question, and I request that they be investigated thoroughly. If the information can not be verified, I respectfully request the removal of these items from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Below is a detailed list of the items in dispute : Disputed Accounts : CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$110.00} INQUIRIES XXXX, XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Johnson Mark LLC
State: CO

Complaint narrative:
I am submitting a complaint against Johnson Mark, XXXX. regarding unprofessional and improper handling of a disputed garnishment. 

I emailed their office as instructed and received an automatic confirmation, but they claim they never received it. They told me complaints take 72 hours to review ; it has been longer than 72 hours and they still can not locate my message. They continue to direct me to email the same inbox without resolution. 

Additionally : Customer service representatives and supervisors were rude and dismissive. 

Requested documentation related to my disputed garnishment was refused. 

XXXX XXXX stated that legal doesnt entertain anyone like you, despite my willingness to represent myself. 

Their process for handling complaints is not being followed. 

The ongoing garnishment and their mishandling of this matter is causing stress and harming my well-being. 

I am concerned about their lack of professionalism and failure to follow their own procedures.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this dispute regarding inaccuracies and unverified information on my credit report, as provided by the major credit bureaus : Equifax. The following are the accounts in dispute. 

CHARGED OFF Accounts : XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX UNAUTHORIZED MEDICAL COLLECTION - XXXX I respectfully request that the above accounts be verified in accordance with FCRA regulations. If the information can not be verified, I request that these accounts be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
ENERBANK USA In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC section 604a section 2 also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation