vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

I looked at my Experian, XX/XX/XXXX&XX/XX/XXXXcredit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). 

And according to 15 USC 1XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall (XX/XX/XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (XX/XX/XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC XXXX they are suppose to 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.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the erroneous late payment entries on my accounts violate 15 USC XXXX. I have consistently paid on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am filing this formal dispute and legal demand regarding serious violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. XXXX et seq. ) byXX/XX/XXXX. 

A XX/XX/XXXX bankruptcy ( XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX ) has been reported in my credit files. This record is unauthorized. 

XX/XX/XXXX recently rejected my dispute claiming that I was not the individual submitting the dispute, which is completely false. I am the legitimate consumer, XXXX XXXX XXXX XXXX, and I personally appeared at the XXXX XX/XX/XXXX Court in XXXX, NY, where I took photos as evidence confirming my identity and attendance. These photos, along with my FTC Identity Theft Report and supporting documents, were submitted with my dispute. 

The inclusion and continued reporting of this false public record violates multiple provisions of the FCRA, including : 15 U.S.C. XXXX ( XXXX ) : prohibiting the furnishing of consumer information without consent or permissible purpose. 

15 U.S.C. XXXX ( b ) : requiring reasonable procedures to assure maximum possible accuracy. 

15 U.S.C. XXXX ( XXXX XXXX ) : requiring blocking or deletion of unverifiable information within XXXX business days after receiving a valid dispute. 

15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : prohibiting furnishers from reporting inaccurate information. 

Federal courts, including XXXX v. XX/XX/XXXX XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ) ; XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) ; and XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ), have held that the continued reporting of false or disputed public records misrepresents a consumers legal status and constitutes a violation of the FCRA. 

The reporting of this bankruptcy has caused significant damage to my credit profile, financial reputation, and overall consumer standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I applied for the Citi/ AAdvantage credit card based on the below promotion : Up to {$250.00} statement credit. Earn up to {$250.00} statement credit on eligible XXXX XXXX purhcases in the firstXX/XX/XXXX months of opening a card. 

The promotion was shown as a graphic showing {$250.00} reducing the price of your individual flight and then shows a new balance/statement credit that is {$250.00} less than the cost of your flights. 

I purchased these specific flights taking the {$250.00} less in account. 

When I reached out to CitiBank/AA they said the credit would come in XXXX business cycles. This is not disclosed on the promotional image and materially misleading. The image implies that the credit applies immediately, and this is not the case.

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 2025-11-05 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: SC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB XX/XX/XXXXXXXX Subject : Complaint Regarding Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ), I am filing this complaint regarding account number XXXX, reported or managed by XXXX XXXX XXXXXX/XX/XXXX 

This company has violated my rights under federal law by unlawfully obtaining, reporting, or maintaining information about this account without my consent or proper authorization. 

Under Title 15 U.S.C. XXXX ( Section XXXX ( a ) ), I am entitled to privacy and accuracy in the use of my personal and credit information. Additionally, Title 15 U.S.C. XXXX ( Section XXXX ( a ) ( XXXX ) ) clearly states that a consumer reporting agency may not furnish a consumer report or account information without the consumers written authorization or a legally permissible purpose. 

I have not provided any written authorization for XX/XX/XXXXto access, verify, or report this account, nor have I had any business relationship with this company. Therefore, its actions constitute a violation of my rights under the FCRA. 

I respectfully request that this matter be investigated, that XXXX XXXX XXXXXX/XX/XXXX be required to remove any unauthorized account information from my credit report, and that corrective action be taken to ensure full compliance with federal law. 

Sincerely, 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 2025-11-05 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XX/XX/XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Hi CFPB, Im reaching out because I just noticed a new collection account pop up on my XX/XX/XXXX credit report from a company called Bounce AI, listed as XXXX, for around {$6000.00}. I have no idea what this is, and Ive never received any notice or communication from them before this showed up. 
This account is not on myXX/XX/XXXXor XX/XX/XXXX reports, only XX/XX/XXXX which seems odd and makes me question the accuracy of the reporting. Ive never had any dealings with Bounce AI, and Im worried this could be a mistake, a reporting error, or even identity theft. 
I tried to look into it, but I couldnt find any real information or documentation about this debt. I feel like this company is just throwing things on peoples credit reports without proper verification. I want this investigated and removed if they cant prove its legit. 
Please help me get this resolved. I work hard to keep my credit clean, and this is really frustrating. 
Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX 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 explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am writing to dispute certain information on my credit reports. The following accounts listed are in dispute, and I believe they contain inaccuracies. Please investigate and take appropriate action to resolve these issues. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Dispute : I believe this account is inaccurately reported. Please verify the accuracy and completeness of this information. If this account can not be verified, I request that it be removed from my credit report. 

XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} Dispute : I believe this account is inaccurately reported. Please verify the accuracy and completeness of this information. If this account can not be verified, I request that it be removed from my credit report. 

Inquiries XX/XX/XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXXDate of Inquiry : XX/XX/XXXXXX/XX/XXXXate of Inquiry : XX/XX/XXXXXX/XX/XXXXDate of Inquiry : XX/XX/XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXXDate of Inquiry : XX/XX/XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
On XX/XX/XXXX 2025, I submitted formal disputes to all XX/XX/XXXX nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ), XXXX ( a ), and XXXX ( a ) ( XXXX ) ( A ) ). Despite providing proof of identity and detailed dispute letters, none of the bureaus responded within the statutory XX/XX/XXXX day period. The attached credit reports highlight systemic violations across multiple tradelines, including re aging of accounts, rolling charge offs, duplicate reporting, and unverifiable balances. These practices violate both the FCRA and Metro 2 reporting standards. I have highlighted and inserted notes on each tradeline I am disputing Key Violations by XXXX XXXX XXXX Bank ( XXXX accounts )XX/XX/XXXX notations every month into 2025 XX/XX/XXXXDuplicate tradelines across bureaus XX/XX/XXXX No signed agreements or ledgers provided XX/XX/XXXX Violations : FCRA XXXX ( a ) unverifiable ; Metro 2 improper coding XXXX XXXX ( XXXX accounts )XX/XX/XXXX Duplicate reporting across bureausXX/XX/XXXX No transfer documentation or accounting ledger o Violations : FCRA XXXX ( a ) ; Metro 2 duplicate tradelines XX/XX/XXXX Re aging of delinquency datesXX/XX/XXXX First payment never received remark improperly coded XX/XX/XXXX Inconsistent date of first delinquency across bureaus XX/XX/XXXXViolations : FCRA XXXX ( a ) ( XXXX ) ( A ) ; Metro 2 re aging XXXX XXXXXX/XX/XXXXRe aging of delinquency XX/XX/XXXX No signed agreement or accounting ledger XX/XX/XXXXContinuous XX/XX/XXXX reporting beyond charge off date o Violations : FCRA XXXX ( a ) ; XXXX ( a ) ( XXXX ) ( A ) XX/XX/XXXXXX/XX/XXXX Re aging of delinquency XX/XX/XXXX Sold to XXXX XXXX without chain of custody documentation XX/XX/XXXX No validation provided XX/XX/XXXX Violations : FCRA XXXX ( a ) ; Metro 2 improper reporting XXXX XXXX XXXXXX/XX/XXXX date of first delinquency listed as XX/XX/XXXX but major delinquency first reported in XX/XX/XXXX ( re aging XX/XX/XXXX No validation of debt provided o Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) ; FDCPA validation failure XX/XX/XXXX XX/XX/XXXXdate of first delinquency listed as XX/XX/XXXX but major delinquency first reported in XX/XX/XXXX ( re aging ) XX/XX/XXXX No validation of debt provided o Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) ; Metro 2 re aging The bureaus failure to respond within the statutory timeframe, combined with the documented re aging, duplicate reporting, and rolling charge offs, demonstrates systemic noncompliance. These accounts are legally unverifiable and must be deleted immediately. My driver license and billing statement is attached for proof of identification.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MS

Complaint narrative:
I recently came to y'all about a problem that I was having with cash app, money in my account was spent while I was in the hospital for a week with XXXX XXXX XXXX, My request for a refund was denied, so I made an appeal. Now my appeal has been denied. I've sent them proof and all documented information they needed and still got denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-11-05 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: LA

Complaint narrative:
I am submitting this dispute to Equifax for the following items. I respectfully request the verification of these accounts. If any information can not be verified, please remove it from my credit report, as I have a right to accurate and complete information under the FCRA. 

CHARGED OFF No accounts in dispute. 

INQUIRIES ALL STATE, XX/XX/year> XXXX, XX/XX/year> XXXX, XX/XX/year> POSITIVE No accounts in dispute. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute a fraudulent XXXX Card account listed on my credit report, pursuant to 15 U.S.C. 1681c-2, which mandates consumer reporting agencies block information resulting from identity theft within XXXX business days

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I noticed there's an amount of {$430.00} on my credit report from this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I'm writing to dispute inaccurate personal information that's currently being reported on my credit file. After reviewing my report, I noticed that some of the details under my personal information section including name variation ( XXXX ), addresses, or possibly even employment data are incorrect and not associated with me. 

Let me be clear : I dont live at those addresses, I never used those name variations, and if theres employment or other identifying information listed that doesnt match up with my actual history, then it should have never been there in the first place. This kind of inaccurate personal information is not only misleading, its affecting how my report is matched with accounts, and it opens the door to errors, confusion, or worse identity mix-ups.

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