vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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 hereby file this complaint demanding enforcement action against the credit reporting agencies and the financial institutions listed below for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the XXXX  Act ( GLBA ), 15 U.S.C. 6801. 

I am formally exercising my XXXX  right to OPT OUT of any sharing, use, disclosure, or reporting of my nonpublic personal information to any third party without my explicit written consent. I take full ownership of the accounts listed below, but ownership does not waive my XXXX privacy rights. Despite valid documentation and repeated notices, these agencies and furnishers have continued to share my information unlawfully and have refused to block or correct inaccurate entries. 

My consumer report was accessed and used for impermissible purposes in violation of 15 U.S.C. 1681b, and these actions represent a clear breach of federal privacy protections. Their continued misconduct has caused ongoing harm to my financial standing and reputation. 

I demand immediate corrective action by the CFPB and place all parties on notice that I am prepared to pursue full litigation and damages if these violations continue. 

Accounts : XXXX XXXX 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

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 2025-11-06 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: TX

Complaint narrative:
I hereby file this complaint demanding enforcement action against the credit reporting agencies and the financial institutions listed below for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the XXXX  Act ( GLBA ), 15 U.S.C. 6801. 

I am formally exercising my XXXX  right to OPT OUT of any sharing, use, disclosure, or reporting of my nonpublic personal information to any third party without my explicit written consent. I take full ownership of the accounts listed below, but ownership does not waive my XXXX privacy rights. Despite valid documentation and repeated notices, these agencies and furnishers have continued to share my information unlawfully and have refused to block or correct inaccurate entries. 

My consumer report was accessed and used for impermissible purposes in violation of 15 U.S.C. 1681b, and these actions represent a clear breach of federal privacy protections. Their continued misconduct has caused ongoing harm to my financial standing and reputation. 

I demand immediate corrective action by the CFPB and place all parties on notice that I am prepared to pursue full litigation and damages if these violations continue. 

Accounts : XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
In reviewing my credit report, I discovered a collection account reported by XXXX XXXX in the amount of {$15000.00}. This account is being reported as a personal collection, but it actually relates to a business or commission-related matter involving an insurance company that I previously worked with. It is not a consumer debt incurred for personal, family, or household purposes. 

I contacted both XXXX XXXX and the credit bureaus to request documentation verifying the nature of this account and my personal liability. Specifically, I requested a copy of any signed agreement, contract, or record showing that this obligation was consumer-based. No such documentation has been provided, yet the account continues to appear on my personal credit reports with Experian, Equifax, and TransUnion.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ), only consumer debts may be included in a consumer credit report. Reporting a commercial or employment-related matter as a consumer account violates 1681b ( a ) ( permissible purpose ) and 1681s-2 ( a ) ( 1 ) ( A ) ( duty to ensure accuracy ). By continuing to furnish this account without verification, XXXX XXXX and the credit bureaus are in violation of their obligations under 1681i ( a ) ( reinvestigation ) and 1681s-2 ( b ) ( furnisher duties after dispute ).

This reporting is materially misleading and damaging to my credit standing. I am requesting that the CFPB direct XXXX XXXX and the credit bureaus to delete this tradeline immediately, provide written confirmation of its removal, and ensure that any related information is permanently suppressed from my consumer credit files.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally report significant issues I have encountered with my Cash App account, which I believe warrant the attention of the XXXX XXXX XXXX. 

* * Account Details : * * - * * Account Holder Name : * * XXXX XXXX - * * Email : * * XXXX - * * Phone : * * XXXX - * * Date of Issues : * * XX/XX/year>, and ongoing # # # Summary of Issues : XXXX. * * Loan Limit Discrepancy : * * - My original borrowing limit was {$1000.00}. On XX/XX/year>, the system indicated that my loan limit had increased to {$1400.00} after applying a payment of {$130.00} from my paycheck. However, I was informed that I could not access this amount until my account balance was brought to {$0.00}. Despite paying a total of {$1000.00} ( including interest ), my account still shows an outstanding balance of {$350.00} and allows me to borrow only {$1000.00}. 

XXXX. * * Payment Breakdown : * * - I paid the full amount due as follows : - {$130.00} - Automatically applied from my paycheck - {$120.00} - Added via Cash App - {$600.00} - Cash received and applied - {$160.00} - Manually added to clear the remaining balance - Total payments : {$1000.00}. My account should reflect a {$0.00} outstanding balance, but it does not. Instead, it indicates that I owe {$350.00} to be paid on the XXXX and XXXX of the month. If I initially owed {$1000.00} plus {$28.00} in interest, why do I still owe more despite having made the full payment? Additionally, if I were to take out the same {$1000.00} again, I would end up owing almost {$1400.00}, which raises further concerns. 

XXXX. * * Inadequate Customer Support : * * - I contacted Cash App support regarding this issue. The XXXX  representative acknowledged the error but was unable to resolve it. Subsequently, the lending team emailed me today XXXX XXXX, insisting that I still owe this incorrect amount, indicating a lack of thorough investigation into my account. 

XXXX. * * Potential for Increased Debt : * * - If I were to take a new loan for the {$1000.00} XXXX paid, I would be facing a debt of nearly {$1400.00} due to the mismanagement of my account. This is concerning, especially considering that the limit was recently set and I have never borrowed that amount. 

# # # Request for Action : I respectfully request that the XXXX XXXX XXXX investigate these issues and the practices of Cash App, as I believe they are misleading and potentially harmful to consumers. Additionally, I would appreciate any guidance on how to resolve these discrepancies and protect myself from further financial implications. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to contest inaccurate and fraudulent information appearing on my credit report in accordance with 15 U.S.C. 1681c-2, and to formally request the blocking and deletion of this erroneous data. It was not possible to file a report with the FTC because the system is currently not available. For this reason, I am including an affidavit listing the accounts and inquiries that I do not recognize. I request that these accounts and inquiries be removed as soon as possible and treated as urgent. As required by law, upon submission of an identity theft report, credit reporting agencies must block any information identified as stemming from identity theft within four ( 4 ) business days. The following information on my credit report is the result of identity
theft and must be blocked : XXXXXXXX XXXX XXXX XXXXXXXX {$100.00} past due ( XX/XX/XXXX ) XXXX XXXX XXXX {$580.00} past due ( XX/XX/XXXX ) Inquiries to be removed : 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  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize or acknowledge this account/inquiry as mine. It was not opened, authorized, or initiated by me. Reporting this account constitutes a violation of my rights under : FCRA 605B ( 15 U.S.C. 1681c-2 ) Obligation to block information resulting from identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must report only accurate and verifiable information.

15 U.S.C. 1681b Prohibitions on impermissible use and reporting of non-public consumer information.

I request the immediate removal of the fraudulent account ( s ) and inquiries listed above from my credit report. Copies of this packet have been transmitted to your office via Certified Mail and/or Fax for proper record.

Sincerely,

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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-06 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I should have earned {$610.00} in cashback rewards for my statement from XX/XX/XXXX - XX/XX/year>. Out of nowhere I got a letter in the mail saying they closed my account because they thought I was likely to " not pay ''. I have 100 % on time payment history with this account and all accounts ive had for XXXX years with XXXX missed payments on any credit account. I was given no warning, no explanation, no phone calls or letters, nothing. I was in good standing with my account and never had an issue. They are refusing to honor the {$610.00} in cash back that I earned for the month.

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: FL

Complaint narrative:
CR Systems Intl / XXXX XXXXXXXX Account XXXX you reported a {$630.00} collection and changed reporting dates between bureaus while refusing to validate the debt. Your conduct is a willful misreporting of consumer information in violation of FCRA and Metro-2 formatting/accuracy requirements. I demanded validation more than 30 days ago none was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
On the XXXX  of XX/XX/year>, I received multiple emails from Chime indicating that a checking account had been opened in my name and that a debit card was mailed to an unfamiliar address. I did not open this account and believe it was created fraudulently using my personal information. 

I called Chime support that same night and again on XX/XX/XXXX to report the suspected identity theft. I provided my full legal name, date of birth, and the email address receiving the notifications. Despite this, Chime refused to confirm whether an account exists or take action to close it unless I also provided the last four digits of my Social Security number and a copy of my drivers license.

I am not attempting to access the accountI am reporting fraud. I attached the emails I received to my correspondence with Chime, but they still declined to escalate the case or close the account without additional sensitive information. I am uncomfortable providing such documents for an account I did not open. 

I am requesting that the CFPB investigate Chimes refusal to act on a clear case of identity theft without demanding excessive personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
The information reported under this entry does not accurately represent my financial behavior. Please correct this discrepancy in 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union withheld provisional credits, created internal adjustments, and applied unauthorized offsets after disputes were filed. 

Between XXXX and XX/XX/year>, I filed multiple disputes ( XXXX, XXXX, XXXX, XXXX, etc. ). Instead of issuing provisional credits within the 10-day period required by Regulation E, Navy Federal appears to have withheld or redirected those credits internally to offset other account balances, effectively depriving me of access to my own funds. 

I also found evidence of wire transfers, unauthorized holds, and account adjustments that were never reversed. My total loss, combining missing provisional credits and unrecognized transfers, is {$14000.00}. 

Patterns identical to mine appear in consumer complaints to the XXXX  and CFPB involving adjustment-DR, account made negative, and missing provisional credit. 

This behavior suggests systemic mishandling of disputes and internal offsets. I request a full regulatory review of Navy Federals dispute-handling and provisional credit practices, especially for members whose accounts became negative or were closed after business activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: KY

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed, and multiple applications were made in my name without my consent or authorization. These companies pulled my credit report without my permission, and I do not recognize any of these fraudulent inquiries nor have I applied to them. It is extremely distressing and unacceptable that my personal information has been misused in this way, violating my rights as a consumer. As a law-abiding citizen, I find this situation deeply insulting and alarming.

Company response to consumer: Closed with non-monetary relief