vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-19 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-19 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX number ending in XXXX I am formally disputing the above account under my rights provided by the Fair Credit Reporting Act ( FCRA ). The account is being reported inaccurately, incompletely, and in a misleading way. Because this account was sold/acquired by another lender, the current reporting contains multiple errors that violate federal law. 



XXXX. Account Was Sold/ Acquired Reporting Must Be Accurate ( FCRA 623 ) The account is clearly labeled : ACCOUNT ACQUIRED FROM ANOTHER LENDER When a debt is sold or transferred : The original furnisher must stop updating the account. 
The reporting must clearly reflect the exact status at the time of sale. 
No new dates or activity can be added after the transfer. 

Any updates after the sale violate : FCRA 623 ( a ) ( 2 ) Duty to correct and update information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or should know is inaccurate 2. Invalid Date Reported Future Date ( FCRA 607 ( b ) ) My credit report shows a future Date Reported of XXXX, which is impossible.

This is a violation of : FCRA 607 ( b ) maximum possible accuracy FCRA 611 ( a ) right to dispute inaccurate information This future date also makes it appear as if the account is recent or active, which is misleading. 
XXXX. Missing Date of Last Activity Reporting Is Incomplete ( FCRA 611 ) The account shows : Date of Last Activity : ( missing ) This makes the account unverifiable and incomplete.

Under federal law : FCRA 611 ( a ) ( 1 ) ( A ) incomplete or unverifiable information must be corrected or deleted FCRA 609 ( a ) ( 1 ) consumers have the right to all information used to verify an account 4. Possible Illegal Re-Aging ( FCRA 623 ( a ) ( 5 ) & 605 ( c ) ) The DOFD is correctly listed as 08/31/2019, but the 2025 date reporting attempts to make the account look newer than it is.

This violates : FCRA 623 ( a ) ( 5 ) DOFD must be accurate and can not be changed FCRA 605 ( c ) 7-year reporting period runs from DOFD, not from later dates FCRA 623 ( a ) ( 2 ) furnishers must not update sold accounts with new activity Under the FCRA, I request that you : 1. Conduct a full investigation of this account. 
XXXX. Provide documentation verifying : The date the account was sold or acquired The DOFD The Date of Last Activity The correct Date Reported 3. Delete this account if the furnisher can not verify these dates with original records.

4. Remove the future Date Reported and any activity reported after the account was sold.

If the information can not be verified within 30 days, the account must be removed according to FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my Experian credit report. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information being reported to the credit bureaus. I request a thorough investigation and the correction or deletion of the following accounts due to the identified inaccuracies and violations : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$14000.00} Dispute Reason : Data Breach : Missing payment information and incorrect reporting of foreclosure/repossessions. 
FCRA Violation : The account has been reported as a foreclosure when the payments were active at the time. 
Account Name : XXXX  Account Number : 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  Date Opened : [ Date ] Balance : [ Balance ] Dispute Reason : FCRA Violation : Reported as Open when payments were not applied correctly and the account was charged off. 
Account Name : XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : [ Date ] Balance : [ Balance ] Dispute Reason : Data Breach : The account has been reported incorrectly under a third partys name. 
FCRA Violation : This account must be verified or removed from the report as it was not mine. 
Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : [ Date ] Balance : [ Balance ] Dispute Reason : FCRA Violation : Duplicate accounts for the same creditor reporting separately. 
Data Breach : Credit grantor failed to report the correct payment status.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$390.00} XXXX XXXX - XX/XX/XXXX XXXX {$560.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-19 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-19 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: SC

Complaint narrative:
XXXX is reporting three inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year> ) and XXXXXXXX XXXX ( XX/XX/year> ). I did not apply for any bank accounts on those dates and did not give either bank permission to access my ChexSystems report. Under FCRA 604, a bank must have a permissible purpose and verified authorization before pulling a consumer report. I disputed these items with ChexSystems and provided my identification, but they failed to properly reinvestigate or remove the inquiries. These inaccurate, unauthorized inquiries are preventing me from opening new bank accounts. I am requesting CFPB intervention to require deletion or proof of authorization.

Please see attachments below.

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 2025-11-19 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
On or around XX/XX/year>, I logged into my account to check on my recent payroll direct deposit. At the time, there were no issues or notifications about my account or its status. Cash App offers a " Borrow '' feature or lending option. When I attempted to use this feature, it asked me to re-verify my information. I verified my name, address, date of birth, and social security number. After verifying my information, I was then kicked out of the application ( Cash App ). I immediately logged back in to Cash App to get a message saying my account was closed, with no explanation. I contacted support several times to ask why my account was closed and to file an appeal of the decision. I was told my account was " closed because I violated the terms of service, '' but never told exactly what my violation was. My appeal was denied, stating I violated the terms of service and my account would remain closed, but again not stating which clause was violated. I previously filed a complaint through the CFPB, and Cash App 's response was still the same : " My account was closed due to violating Terms of Service ''. Again, not stating which terms were violated. I've attempted to inquire about the specific violation several times, only for Cash App to respond with the same generic message.

In the past several months, since my account was closed, I've spoken with several people who've had their accounts closed, the same way mine was, and they were given the same generic message about their account being closed for violating Terms of Service, but not given the specific violation. I've also spoken to others whose accounts were closed for violating terms of service for other reasons, and they were given the specific reason ( like gambling, selling prohibited items, or purchasing from prohibited countries ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AZ

Complaint narrative:
I am writing to dispute the following charged-off accounts and inquiries that appear on my credit report. These accounts contain inaccurate or incomplete information that I request be investigated and corrected. 

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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
On XX/XX/year>, my daughter received a call from someone who claimed to be a compliance officer named XXXX. She provided my daughter with a phone number ( XXXX ) and a claim number ( XXXX ). I immediately called back. 

When I provided the claim number, I asked for the name of the business. She said National. I then asked if that was the full name of the business, and she confirmed that it was. She verified my name, a prior address, and the last four digits of my Social Security number.

She then stated that the matter involved an Acima debt, and that they were now suing me in court for approximately {$2000.00} for fraud. I told her that I would like something in writing. She never asked for my current address or any information to send written documentation. Because of the high number of scams, I repeated that I would need something in writing.

She then instructed me to contact Acima directly and go through the channels to get to them, but stated that they would be filing a lawsuit against me in the meantime.

I am unsure if this is a scam, but if it is not, I am submitting this claim because I believe this is an improper and potentially illegal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
My credit report shows two inquiries I do not recognize, and I never gave permission to these companies to access my credit report nor did I apply to them. I do not appreciate my rights as a consumer being violated, especially when I am already dealing with enough stress in my life. These unauthorized inquiries are unfairly harming my credit score and causing unnecessary worry.

Company response to consumer: Closed with explanation