vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am a consumer reviewing my Experian credit report to ensure that all information being reported is accurate, complete, and verifiable. 

I am disputing the following charged-off and collection accounts currently reporting on my Experian credit file : XXXX XXXX XXXX Acct ending XXXX opened XX/XX/XXXX, balance {$4600.00} ) XXXX XXXX XXXX Acct ending XXXX opened XX/XX/XXXX, balance {$1000.00} ) XXXX XXXX ( Acct ending XXXX opened XX/XX/XXXX, balance {$6600.00} ) XXXX XXXX  XXXX Acct XXXX opened XX/XX/XXXX, balance {$620.00} ) XXXX XXXX ( Acct ending XXXX opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXX ( Acct ending XXXX opened XX/XX/XXXX, balance {$10000.00} ) XXXX XXXX XXXX ( Acct ending XXXX opened XX/XX/XXXX, balance {$410.00} ) XXXX XXXX XXXX ( Acct ending XXXX opened XX/XX/XXXX, balance {$13000.00} ) XXXX XXXX XXXX ( Acct XXXX opened XX/XX/XXXX, balance {$7500.00} ) I do not believe these accounts have been properly verified. Some may be inaccurately reported, outdated, duplicated, or lack documentation supporting the reported balances, dates, or ownership. I am requesting that Experian conduct a full investigation pursuant to the Fair Credit Reporting Act and remove or correct any information that can not be verified. 

I am also disputing the accuracy of the following late payment reporting on my Experian report : XXXX XXXX XXXX XXXX ( Acct ending XXXX ) XXXX XXXX XXXX  ( Acct XXXX ) XXXX XXXX XXXX ( Acct XXXX ) Please investigate and ensure all late payment history is accurate and properly documented.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App Missing Funds Page 1 Cover / Summary Name : XXXX XXXX XXXX Issue : Missing funds from Cash App Total missing : {$270.00} Verified refunds : XXXX XXXX/ XXXX XXXX {$19.00} on XX/XX/2025 Pending refunds : XXXX ( tracking separately ) Page 2 Complaint Text ( Fact-Only ) I am submitting this complaint regarding missing funds from my Cash App account totaling {$270.00}, which have not been restored. 

I initially believed there were additional charges from XXXX XXXX/ XXXX XXXX totaling {$19.00} that I did not purchase. I later verified that I did purchase these items and they have been refunded. They are not part of the current complaint. 

The missing funds of {$270.00} are separate from those verified purchases. I have reviewed my account statement and transaction history, and these funds remain uncredited. 

Some refunds from other merchants, including XXXX, may not have posted due to account or card changes previously instructed by Cash App. I am tracking those amounts, but they do not affect the missing balance reported here. 

I have contacted Cash App support multiple times but have not received a meaningful resolution. 

This financial loss has caused immediate hardship, as I have limited income and rely on these funds for necessities such as food. 

Requested action : 1. Full investigation of the missing {$270.00} 2. Restoration of the missing funds 3. Written explanation of Cash Apps findings I have attached a supporting account statement PDF showing all debits, credits, and the missing balance of {$270.00} XX/XX/2025 XXXX XXXX/ XXXX XXXX {$19.00} Refunded Verified purchase ; resolved [ Date ] XXXX XXXX Pending Refund not credited yet ; tracking separately [ Date ( s ) ] Cash App transactions {$270.00} Missing Verified in attached account statement Page 4 Supporting Statement This PDF is submitted along with my CFPB complaint as supporting evidence. It demonstrates : Verified refund from XXXX XXXX XXXXXXXX XXXX Missing balance of {$270.00} Pending refunds from XXXX All supporting transactions are documented in the attached account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am filing a complaint against Experian for inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Experian is reporting a XXXX XXXX auto loan on my credit report that is inaccurate and should not be reporting as open or past due. The cosigner on this account filed for bankruptcy, and the loan obligation was satisfied and paid off approximately XXXX months ago. 

This account was never previously reported on my credit report, and the information Experian is reporting shows a last update date of 2021, which is inaccurate and misleading. Despite the obligation being satisfied, the account is still being reported in a way that negatively impacts my creditworthiness. 

As a result of this inaccurate reporting, I have been denied vehicle financing opportunities. This reporting does not reflect the true status of the account and is causing financial harm. 

I am requesting that Experian immediately investigate this matter and either correct the account to reflect a XXXX balance and closed status or remove it entirely from my credit report if it can not be verified accurately. 

Please provide written confirmation once the investigation is complete.

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 2025-12-28 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: CT

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several items listed on my credit report. Below are the details of the accounts that I am disputing : CHARGED OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, {$3700.00}

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 2025-12-28 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: NY

Complaint narrative:
I am writing to dispute several items on my credit report that I believe to be inaccurate or incomplete. Below is a detailed account of the items in question, separated by bureau. I respectfully request that these items be investigated, corrected, or removed as appropriate. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1900.00} LATE PAYMENTS XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverifiable information appearing on my credit reports. I am a consumer attempting to correct my credit history and ensure that only accurate, complete, and verifiable information is being reported in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Account I dispute the following account as inaccurate and/or unverifiable : XXXX XXXX XXXX Account XXXX ( Reported opened XX/XX/XXXX, balance {$11000.00} ) I do not believe this account is being reported accurately. I am requesting that Experian verify the ownership, balance, and complete payment history. If this information can not be fully substantiated, it should be removed.

Credit Inquiries I dispute the following inquiries as unauthorized or inaccurately reported : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries and request proof of permissible purpose. 

Late Payments I dispute the accuracy of the following late payment reporting : XXXX  XXXX / XXXX Acct XXXX XXXX XXXX Acct XXXX These late payments are not being reported accurately or lack proper verification. 

Previous Addresses I dispute the following addresses as inaccurate and request their removal : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, XXXX CA 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 2025-12-28 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: GA

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts I am disputing, separated by each bureau. 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX Account Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverifiable information appearing on my credit reports. I am a consumer attempting to correct my credit history and ensure that only accurate, complete, and verifiable information is being reported in compliance with the Fair Credit Reporting Act ( FCRA ). 
Credit Inquiries I dispute the following inquiry as unauthorized : XXXX XX/XX/year> I do not recall authorizing this inquiry and request documentation showing permissible purpose. 

Late Payments I dispute the following late payment reporting : XXXX  XXXX / XXXX Acct XXXX XXXX XXXX Acct XXXX These late payments are inaccurate and not properly verified. 

Previous Addresses I dispute the following addresses as incorrect : XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX CA 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 2025-12-28 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: GA

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts I am disputing, separated by each bureau. 

Inquiries : XXXX XXXX Account Date : XX/XX/year>

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 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: MN

Complaint narrative:
This loan is over a 149 % apr I did not know that I thought it was only a 20 % apr and now I cant afford to pay it back and I know its illegal in MN for this insanely high APR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
My federal student loan ( s ) were serviced by XXXX. Without my consent or prior authorization, XXXX  transferred my loan servicing to XXXX and a new servicing account was created in my name. 

I did not request or approve this transfer, and I was not provided advance notice, written consent documentation, or proof of Department of Education authorization approving the reassignment. After the transfer, XXXX began reporting account information and balances that differed from what had previously been reported. 

I attempted to obtain clarification and documentation regarding : The legal basis for the transfer Proof of borrower consent Proof of authority to service the loan A complete and accurate loan history and balance The information requested was not provided. Any responses received were incomplete and did not include documentation validating the transfer or the accuracy of the information being reported. 

As a result, inaccurate and/or unverifiable information has been reported regarding my federal student loans, causing confusion and potential harm to my credit profile. The failure to provide clear, complete, and documented information prevented me from verifying the legitimacy of the account and resolving the issue directly with the servicers. 

I am requesting a formal investigation, full validation of the transfer and servicing authority, correction or deletion of any inaccurate reporting, and cessation of reporting until verification is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: VA

Complaint narrative:
I am disputing inaccurate and incomplete information being reported on my Experian credit report.

Address Discrepancies : Experian lists my previous addresses as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These ZIP codes and formats appear incorrect. Please verify and correct to match proper address records. 

Charged-Off Accounts in Dispute : XXXX  XXXX Account # XXXX XX/XX/XXXX {$0.00} XXXX XXXX Account XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX Account # XXXX XX/XX/XXXX {$180.00} I am requesting full reinvestigation to confirm these accounts accuracy, including balances and charge-off dates. 

Hard Inquiries to Review : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please confirm whether these inquiries were made with my authorization and remove any unauthorized ones. 

Late Payment Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify and correct any inaccurate late payment 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 2025-12-28 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: IN

Complaint narrative:
They have my personal information and alias names that I have never heard of on my credit 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
They have my personal information and alias names that I have never heard of on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: IL

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-28 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information reported on my credit file. These discrepancies are negatively affecting my credit score, and I request that they be thoroughly investigated and corrected as required by the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute, categorized by bureau : CHARGED OFF XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$690.00} XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$3000.00} XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$5000.00} XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$27000.00} LATE PAYMENTS XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-28 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information reported on my credit file. These discrepancies are negatively affecting my credit score, and I request that they be thoroughly investigated and corrected as required by the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute, categorized by bureau : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$3000.00} XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$0.00} LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CO

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding the accounts listed below. I believe there are inaccuracies or incomplete information related to these accounts, which I request be thoroughly reviewed and corrected. 

I have identified an error with the following account in my credit report with Experian : CHARGED OFF Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Please investigate and correct any inaccuracies with this account.

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 2025-12-28 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: CA

Complaint narrative:
I am disputing the accuracy of the following account reported on TransUnions credit report. 

Charged Off : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$23000.00} Late Payment : Account Name : XXXX Account Number : XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2025-12-28 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: MD

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXXDOFED Account Number : XXXX XXXXDOFED Account Number : XXXX XXXXDOFED Account Number : XXXXXXXX XXXX/DOFED 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