vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: MD

Complaint narrative:
I am filing this complaint against Experian for failing to maintain accurate and legally compliant records on my credit report. Despite my good faith efforts to dispute this information directly, the following inaccuracies remain unresolved : XXXX. Wrong Addresses Reported : XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX These addresses are completely inaccurate and have never been associated with me. The presence of incorrect addresses on my report is a violation of FCRA Section XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in the files they maintain. 

XXXX. Improper Collection Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This collection account has a {$0.00} balance, indicating that it has been paid or resolved. However, Experian continues to report it in a way that damages my creditworthiness. Reporting a resolved collection in a derogatory manner violates FCRA Section XXXX ( b ) and misleads lenders about my current financial obligations. 

XXXX. Unauthorized Credit Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX never authorized these companies to access my credit report. There was no credit application submitted nor any account relationship that would permit this. Under FCRA Section XXXX ( a ), a credit report XXXX only be accessed with a permissible purpose and consumer authorization. These inquiries were done without consent, making them unlawful and harmful to my credit file. 

Despite my previous attempts to resolve these issues directly with Experian, they remain uncorrected. This negligence continues to negatively affect my credit score and exposes me to further harm.

Resolution Requested : I am requesting that the CFPB investigate this matter and compel Experian to : Immediately delete the two inaccurate addresses from my report Permanently remove the paid collection account that no longer has a balance Delete the unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX confirmation of these actions along with a corrected copy of my credit report Experians failure to correct these errors demonstrates a lack of compliance with the FCRA and fair consumer reporting obligations. I urge the CFPB to hold them accountable and ensure proper corrective action is taken.

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 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving My Account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked & deleted from my report as soon as possible.

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 2025-07-08 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:
XXXX XXXX is reporting a charge-off account with multiple late payments on my credit reports, even though the account has been closed and was partially settled. Additionally, there are inconsistencies in how the account is reported across the XXXX major credit bureaus ( TransUnion, Equifax, Experian ) .I have attempted to resolve this directly with the bureaus and the creditor but have not received a resolution. I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ) and may also be connected to data mishandling or a data breach.I am requesting that the account be properly verified. If the information can not be confirmed with clear and documented evidence, I respectfully request that the account and associated late payments be removed from all three credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
XXXX XXXX is reporting a charge-off account with multiple late payments on my credit reports, even though the account has been closed and was partially settled. Additionally, there are inconsistencies in how the account is reported across the XXXX major credit bureaus ( TransUnion, Equifax, Experian ) .I have attempted to resolve this directly with the bureaus and the creditor but have not received a resolution. I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ) and may also be connected to data mishandling or a data breach.I am requesting that the account be properly verified. If the information can not be confirmed with clear and documented evidence, I respectfully request that the account and associated late payments be removed from all three credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
I am writing to formally dispute the validity of any and all debts alleged to be owed to your company, which has been reported on my consumer credit report. I do not acknowledge this debt, and I am requesting proper validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and related regulations. Additionally, I hereby revoke any and all rights for you to contact or communicate with me in any way moving forward, effective immediately.

Under 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide specific validation information for any debt that you attempt to collect. To date, you have failed to provide this required information, despite placing a collection account on my consumer report.

Furthermore, I was not given the opportunity to dispute this debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This is a clear violation of my rights as a consumer, as I should have been afforded the chance to dispute the account before it was reported to any consumer reporting agencies.

I am requesting that you provide the following documentation : Validation of the debt in compliance with 12 CFR 1006.34 ( b ) ( 5 ).

The purchase agreement between your company and the original creditor, establishing your legal right to collect this debt.

Proof that your agency is licensed and bonded to collect debts in my state.

Your company has been in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of my rights under the FDCPA.

Additionally, your company has no legal authority to furnish any account to consumer reporting agencies without first providing all the necessary disclosures as required by law. Your actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Therefore, I request that this account be removed from my consumer report.

Finally, I want to remind you of my rights under 15 U.S.C. 1692c ( c ). In accordance with this section, I am demanding that you cease all communication with me regarding this matter. You are no longer permitted to contact me by phone, mail, or any other form of communication, except for legal notices regarding the closure of the account or if you are pursuing a legal remedy.

I expect that you will address this matter immediately and provide written confirmation that my requests have been fulfilled. Failure to comply may result in further legal action to protect my rights as a consumer. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have tried disputing this account. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. As per USC 1681 ( c ) ( 2 ), I believe these reports may have been result of identity theft. The information is not information relating to any transaction by me as a consumer. It shows that the account was opened under a XXXX and I am not a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 

ACCOUNTS : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX HARD INQUIRIES : XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Few hours, while trying to pay for groceries at a store, I discovered that my Chime account had been suddenly closed. I was unable to complete my purchase and was completely locked out of the app. I received no warning, email, phone call, or in-app message from Chime about the closure. At the time, my account held a balance of over {$2700.00}, which I can no longer access. I rely on these funds for everyday expenses, and this sudden action has caused serious hardship. 

A few weeks prior to this incident, I was asked by Chime to verify my identity. I promptly uploaded the required documents as requested. I complied fully with that process and had no issues using my account afterward until the closure happened. 

I have not violated any terms to my knowledge. I am requesting that Chime immediately release my funds and open my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XXXX, I was a XXXX customer and consistently paid my bills on time. XXXX day, I received a notice claiming I owed XXXX {$75.00}. Confused, I contacted XXXX customer service directly. They confirmed that I did not owe any money and informed me that the charge appeared to be a scam. 

I submitted a dispute through XXXX  and provided screenshots of my conversation with XXXX. XXXX  investigated the matter and ultimately sided with me, confirming that I did not owe the debt. 

At the time, I assumed that disputing and resolving the issue with XXXX credit bureau would apply across all bureaus. Unfortunately, I recently checked my TransUnion credit report and found that not only is the false XXXX debt still listed, but the amount has increased to {$200.00} and has been sold to XXXX XXXX XXXX. 

I disputed this with TransUnion and explained the prior resolution, but they responded stating the account was verified as accurate, without any meaningful investigation or documentation. 

This item is false, already resolved by XXXX, and continues to negatively affect me whenever I apply for credit. I am constantly forced to explain a situation I had no part in causing. XXXX requesting that this account be permanently removed from all credit reporting, as it is unfair, unsupported, and continues to cause unnecessary stress and harm. I did nothing wrong and should not be held accountable for a fraudulent or erroneous charge. I have attached my credit report for experian on the documents as proof, showing that experian did side with me. Thank you.

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 2025-07-08 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: NY

Complaint narrative:
Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX XXXXXXXX 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and seek resolution ACCOUNTS : XXXX XXXXXXXX {$1200.00}, XXXX XXXX  {$480.00}, XXXX XXXXXXXX {$450.00}, XXXX XXXXXXXX {$750.00}, XXXX XXXX {$380.00}, XXXX XXXX {$18000.00}, XXXX XXXX {$710.00}, XXXX XXXX {$1200.00}, XXXX XXXXXXXX {$520.00}, XXXX XXXX {$2800.00}, XXXX XXXXXXXX {$1100.00}, XXXX XXXX {$300.00} XXXX XXXX XXXX {$120.00}, XXXX XXXX {$850.00}, XXXX XXXX XXXX {$1300.00}, XXXX XXXXXXXX {$38.00}, XXXX XXXX {$1300.00}, XXXX XXXXXXXX {$610.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX  XXXX {$300.00} XXXX INQUIRIES : 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 2025-07-08 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and seek resolution ACCOUNTS : XXXX XXXXXXXX {$1200.00}, XXXX XXXX  {$480.00}, XXXX XXXXXXXX {$450.00}, XXXX XXXXXXXX {$750.00}, XXXX XXXX {$380.00}, XXXX XXXX {$18000.00}, XXXX XXXX {$710.00}, XXXX XXXX {$1200.00}, XXXX XXXXXXXX {$520.00}, XXXX XXXX {$2800.00}, XXXX XXXXXXXX {$1100.00}, XXXX XXXX {$300.00} XXXX XXXX XXXX {$120.00}, XXXX XXXX {$850.00}, XXXX XXXX XXXX {$1300.00}, XXXX XXXXXXXX {$38.00}, XXXX XXXX {$1300.00}, XXXX XXXXXXXX {$610.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX  XXXX {$300.00} XXXX INQUIRIES : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 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 may 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 2025-07-08 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:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief