vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Charge-Off Request for Investigation Dear Sir or Madam, I am writing to dispute the accuracy of the following information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Reported Item : Charge-Off This account is being inaccurately reported as a charge-off. I am requesting that the credit bureau investigate this matter and verify the accuracy and validity of the account under the FCRA. 

If the furnisher of this information can not provide proper documentation, including the original signed agreement and full payment history, this charge-off entry must be corrected or removed from my credit report. 

Please provide me with written confirmation of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Charge-Off Request for Investigation Dear Sir or Madam, I am writing to dispute the accuracy of the following information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Reported Item : Charge-Off This account is being inaccurately reported as a charge-off. I am requesting that the credit bureau investigate this matter and verify the accuracy and validity of the account under the FCRA. 

If the furnisher of this information can not provide proper documentation, including the original signed agreement and full payment history, this charge-off entry must be corrected or removed from my credit report. 

Please provide me with written confirmation of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

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 2025-08-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Re : Formal Dispute of Inaccurate Collection Account Reporting To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i regarding the account being reported by XXXX XXXX XXXX XXXX in the amount of {$5200.00}. This account is fraudulent, unverifiable, and must be removed immediately. 
I have previously disputed this account, and has failed to perform a reasonable reinvestigation as required by law. Continuing to report this item without verified documentation is a clear violation of federal law. Under 15 U.S.C. 1681c-2 ( a ), you are required to block and delete all information relating to an account resulting from identity theft or unverifiable information. Unless you can provide me with original signed contracts or documented proof linking me to this debt, you are in violation of the FCRA by allowing this account to remain.

If this account is not removed within 15 days, I will proceed with legal action for willful noncompliance under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, court costs, and attorneys fees. 
This is my final notice. I expect written confirmation that this account has been permanently deleted. 
Sincerely, XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX Date of birth. XX/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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-08-18 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: NC

Complaint narrative:
I had a financing agreement with XXXX for XXXX ( similar to XXXX ). After making XXXX payments, I discovered the merchant required an additional {$600.00} payment to an outside dentist before services could begin. This requirement was never disclosed at the time of purchase, making the product unusable. I immediately notified XXXX and requested cancellation. XXXX told me they opened an investigation, but they continued the loan and reported it as a charge-off even though I never received or used the product. I later disputed the account with Experian under the Fair Credit Reporting Act, but XXXX verified the loan simply as belonging to me, without addressing the misrepresentation or the fact that services were not rendered. Because of XXXX refusal to correct this, the charge-off remains on my Experian report. This has caused me significant harm, including being denied entry into a down payment program. 

On XX/XX/year>, the account was returned to XXXX  by the debt collector. Since then, no resolution has been provided. I contacted XXXX on XX/XX/XXXX, and they claimed they never received the returned account. I then reached out to the debt collector, XXXX XXXX, who confirmed via email, attached to this complaint that the account had indeed been sent back. Despite this, XXXX denied receipt and insisted that I should pay, even though I never received the service. On XX/XX/XXXX, I called XXXX again and set up a three-way call with XXXX XXXX. During that call, XXXX XXXX confirmed that the account had been returned to XXXX, and they submitted another attempt to return the account to XXXX  as of today, XX/XX/XXXX. Despite this, XXXX continues to claim they have not received the account, and no resolution has been provided, as they refuse to acknowledge that XXXX XXXX returned the account twice. XXXX has refused to correct my credit report even though the merchant misrepresented the service and XXXX failed to properly close the loan after my timely dispute.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AL

Complaint narrative:
I was taken advantage of and also scammed on a XXXX game which had an ad for online slots, which they charge in LOTS of small amounts to cover them ... I have had more than {$40000.00} charged to me that I ABSOLUTELY did not do... I will NOT be paying it... have always been responsible and would NEVER spend that kind of money on a game online... it has truly made me sick and ruined my credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Bankruptcy Unlawful and Inaccurate Reporting To Whom It May Concern, I am formally demanding the immediate removal of the bankruptcy being reported in my XXXX  XXXX file, allegedly sourced from LexisNexis. This reporting is in direct violation of Consumer Law, the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX standards. 

Key Facts : XXXX. I have confirmed in writing from the XXXX XXXX XXXX XXXX XXXX XXXX of XXXX  that the court does not furnish, verify, or report bankruptcy records to XXXX, LexisNexis, or any other credit reporting agency. 


2. Any third-party, such as LexisNexis, that claims to provide bankruptcy reporting is not an official source of court records and therefore can not be considered reliable or verifiable under FCRA 1681e ( b ), which requires maximum possible accuracy.

3. Reporting this bankruptcy through LexisNexis constitutes unlawful furnishing of unverifiable information, and is a willful violation of FCRA 1681i ( a ) ( failure to conduct a lawful reinvestigation ) and FCRA 1681e ( b ). 



XXXX XXXX Compliance Failures : XXXX XXXX Standards require that all data furnished to consumer reporting agencies be accurate, complete, and verifiable. 

Because the bankruptcy information did not come directly from the courts, it can not meet XXXX XXXX accuracy and verification standards. 

Continuing to report this item constitutes false reporting, which requires immediate deletion under XXXX XXXX guidelines. 


Legal Violations : FCRA 1681i ( a ) ( 5 ) ( A ) requires deletion of information that can not be verified.

FCRA 1681e ( b ) prohibits reporting information without maximum possible accuracy.

FCRA 1681n and 1681o hold furnishers and reporting agencies liable for willful or negligent noncompliance.

18 U.S.C. 1001 prohibits knowingly falsifying or misrepresenting information within federal systems including consumer credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I dispute this account as the balance is inaccurate due to creditor calculation errors. The creditor failed to properly credit {$230.00} in sale proceeds and added excessive costs totaling {$590.00} above reasonable amounts. Investigation requested.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I made multiple purchases through someone on XXXX XXXX for some baseball cards, I did not receive the cards and requested a refund and they would not give me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I am in disagreement with the item listed below which still appears on my credit report, even after your investigation. I am requesting that this item be immediately re-investigated. This inaccuracy is highly injurious to my credit rating and constitutes a violation of my federally protected rights. 

The following inquiry was not authorized and should not be reporting on my credit file : TransUnion : XXXX XXXX XX/XX/year> Violations of the Fair Credit Reporting Act ( FCRA ) This inquiry has violated my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681, Section 602 ( a ) : Affirms my right to privacy and confidentiality in credit reporting.

15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) : States that no consumer reporting agency may furnish a report without my written instructions. I never provided written authorization for this inquiry.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits consumer reporting agencies from including adverse information older than seven years. Any adverse item reported beyond this period is unlawful. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know, or have reasonable cause to believe, is inaccurate. This inquiry is inaccurate and lacks a permissible purpose.

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 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paysend US LLC
State: NM

Complaint narrative:
b'On XXXX XXXX XXXX, I sent a transfer through Paysend from the United States to my XXXX bank account XXXX). The amount transferred was $XXXX USD (with a $XXXX  USD fee), for a total of $XXXX USD. According to the receipt, the exchange rate provided was XXXX USD = XXXX XXXX and the total to the recipient was XXXX XXXX.\n\nThe transaction was confirmed as Sent with transaction number XXXX XXXX XXXX XXXX Paysend indicated that the delivery time was a maximum of 3 days, with an estimated delivery date of XXXX XXXX XXXX. However, as of today, the funds have not been delivered to my XXXX account.\n\nI contacted my bank, but they confirmed no funds have arrived. I am requesting that Paysend investigate this issue and ensure that the funds are delivered immediately or refunded as soon as possible.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TN

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for reporting false and inaccurate information on my credit file. The information being reported does not belong to me and/or is incorrect, yet the credit bureaus have continued to report it despite my disputes. This false reporting has negatively impacted my creditworthiness, financial opportunities, and peace of mind. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), including submitting disputes and requests for reinvestigation. However, the credit bureaus have failed to comply in a timely manner.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains inaccurate and misleading information across multiple accounts. These tradelines are being reported with errors such as improper balances, inflated utilization on closed accounts, post-closure derogatories, and unverifiable debt entries. Despite prior disputes, the information has not been properly corrected or verified with documentation. This is materially harming my credit and violates the Fair Credit Reporting Acts requirement that all information be accurate, complete, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-18 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:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation