vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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 am submitting this complaint regarding inaccurate and unverified credit reporting by Equifax. As a consumer, I am exercising my rights under the Fair Credit Reporting Act to dispute information that is incomplete, inaccurate, or can not be properly verified. 

Charged-Off Accounts Equifax is reporting the following charged-off accounts that I dispute : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX, balance {$2900.00} XXXX Account # XXXX XXXX opened XX/XX/XXXX, balance {$890.00} XXXX dispute the accuracy, balance, and charge-off status of these accounts. Equifax has failed to provide competent evidence that these accounts were verified in accordance with FCRA requirements. 

Late Payment Reporting Equifax is reporting late payments on the following accounts, which I dispute : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX I am requesting Equifax provide complete payment histories and documentation validating these late payments. If Equifax can not verify this information, it must be removed from my credit file. 

I am requesting Equifax immediately correct or delete any inaccurate or unverifiable information and confirm compliance with FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
TransUnion is reporting an XXXX, XXXX account that was previously disputed and marked completed investigation consumer disagreed. This indicates the furnisher failed to verify the accuracy of the account. Despite this, TransUnion continues to report the tradeline with conflicting information, including postcharge-off payment activity, a past-due balance on a closed account, and misleading payment terms. Under FCRA 611 ( a ) ( 5 ), unverifiable information must be deleted. I am requesting deletion of this tradeline from my TransUnion credit report.

Completed investigation consumer disagreed It means : I disputed Transunion did not provide proof you agreed Transunion left the account as-is anyway Under FCRA 611 ( a ) ( 5 ), if accuracy can not be verified, the item must be deleted, not noted. 

Transunion basically admitted : We didnt resolve it, but we kept it. 
Thats illegal. 

Charge-Off + Payments After Closure Lets line this up : Date closed : XX/XX/year> Pay status : Charge-off Last payment made : XX/XX/year> Payment received : $ 521 Monthly payment : {$0.00} A charged-off, closed installment loan can not : Accept payments as current activity and Continue reporting a past-due balance without reclassification Thats postcharge-off activity reporting, which must be extremely precise. Yours is not.

Conflicting Status Logic ( Another Violation ) Transunion are reporting : Charge-off Past due balance {$15000.00} $ XXXX monthly payment 60-month term still referenced That is not consumer-comprehensible.

Violates FCRA 1681 ( a ) ( 1 ) misleading reporting. Violates 1681 ( a ) ( 2 ) no maximum possible accuracy Estimated Removal Date = NOT LAW Estimated removal XXXX/2030 means nothing legally if : The account is inaccurate The investigation was defective The data can not be verified CRA policy federal law.

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 2025-12-15 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year> I listed an item on XXXX. That same day, I received an email from what looked like XXXX telling me that the item had sold. I then received another email from the same address, saying that I would need to add my payment information in order to receive the payment. I followed the steps to verify my payment. I then got another email telling me that I didn't have enough funds in my account. At that point, I stopped and looked more carefully at the email address and realized it was probably a scam. I closed all of the windows I had open and ignored the other emails that came in from the email address. 
That evening I happened to check my XXXX balance and saw that a payment of {$1100.00} was processing to something called XXXX. I called XXXX and told them that I thought I was scammed and the person I spoke to immediately canceled the processing payment. He never warned me that the money could still be removed from my XXXX account. The next morning I woke up to see that the {$1100.00} had been processed. 
On XX/XX/XXXX I filed a dispute with XXXX  over the phone. XXXX days later they denied my dispute and tole me it had been filed incorrectly. I then filed another dispute over the phone with XXXX, I was able to upload screenshots of the misleading XXXX emails. I have since called XXXX every couple of weeks to ask for a status update and I have been told each time that the dispute is still under review and that I will have an answer on or before XX/XX/XXXXXXXX XXXX XXXX keeps pushing me off with vague answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to dispute the following information on my TransUnion credit report. I believe these accounts have been incorrectly reported and need to be corrected or removed. 

CHARGED OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-15 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Sunset Management, Inc
State: GA

Complaint narrative:
The said company of this complaint has out right lied and provided false documentation to reporting bureaus. Equifax as of the XXXX of XXXX, received the included document. I had not only made my payments but had paid of the loan in its entirety on the XXXX of XXXX. You will see the dates listed on included file attatchment Also said company has provided personal and private information to the credit bureaus. 
By providing amounts of payments and balances instead of reporting that the account is late or up to date. The company is directly violating statute law under which it is bound to uphold. For each transaction there is a remedy. 
Yes the credit reporting bureaus are also responsible for publishing personal and private information, but ultimately this company has supplied such information and in doing so has committed an unlawful act that directly damaged another. 

Also being as my name is copyrighted and said company has been made aware. So reporting anything with my name without my direct permission is a violation under copyright law. 

I am not including the possibly fraudulent activity whether it be securities fraud or verbal fraud out of this equation for the moment but would be more than happy to follow this route if need be.

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 2025-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I checked my credit report and had an open collection from Ability Recovery Services on behalf of XXXX XXXX XXXX opened on XX/XX/year> for the amount of {$2800.00}. This is a debt collection that does not belong to me. I have never visited this establishment nor received services from the XXXX XXXX XXXX or any of its affiliates. This debt collection has negatively impacted my credit score and need this removed and fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Financial Services of Tampa, FL LLC
State: OH

Complaint narrative:
This account is a closed, charged-off auto loan with Consumer Financial Services XXXX XXXX XXXX XXXX ). The account was charged off and closed in XX/XX/XXXX. My last actual payment was made on XX/XX/XXXX, which is documented in written correspondence from the company.

Despite this, CFS has continued to report inaccurate information. In XX/XX/XXXX, they updated the account as newly delinquent and increased the balance by {$85.00} without providing any itemized explanation or contractual basis. A charged-off account should reflect a fixed historical delinquency and balance, and should not be updated with new late statuses or unexplained charges years later.

In addition, CFS has repeatedly updated this account on a monthly basis for several years after charge-off, reporting new delinquency activity despite the account being closed. I have requested that these inaccurate updates stop and that the account reflect a fixed historical charge-off status, but the company has continued to update the tradeline each month.

I previously contacted CFS and requested written clarification and documentation supporting the amount being reported, an explanation for the post-charge-off balance increase, confirmation of the correct last payment date, and correction of the inaccurate delinquency reporting. The company did not provide this information and did not correct the reporting. 

CFSs actions constitute false and misleading representation of the amount owed and the status of the account, including illegal re-aging and balance inflation. This inaccurate reporting continues to harm my credit and misrepresents the true history of the account. 

I am requesting that this account be corrected to accurately reflect the historical charge-off information or removed from my credit reports due to repeated inaccurate reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
In spite of a recent payment and a previous dispute, a credit card account is still being reported with wrong and conflicting balance and delinquency information internally. 

The credit report which is dated XX/XX/year>, indicates a balance of {$490.00} on a credit limit of {$500.00} ( 99 % utilization ) and XXXX late payment. On the other hand, the same report shows a last payment date of XX/XX/year>, and a balance update on XX/XX/year>, without any explanation of how the payment was applied or why the balance was not reduced. 

The payment history has been reported using ambiguous and non-standard terms, including the XX/XX/XXXX notation, which does not correlate with any clear billing cycle or delinquency date, making the claimed late payment impossible to verify. 

The account had been disputed before and the furnisher claims that the investigation has been completed. Nonetheless, the same inaccuracies are still being reported, which means either the dispute was not adequately investigated or unverifiable information is still being furnished. 
The inability to apply a payment correctly, the ongoing reporting of an incorrect balance, and the raising of an unverified delinquency after a dispute are all procedural violations of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), such as not conducting a reasonable investigation and failing to ensure maximum possible accuracy. 

I have informed the creditor in writing about my dispute, requesting the erroneous balance to be corrected or removed along with the negative reporting. At the time of this complaint, the disputed information still remains the same and is negatively impacting my credit profile.

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 2025-12-15 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: PA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not claim these accounts and request they be removed within 15 days, pursuant to the Fair Credit Reporting Act.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Issue : Billing dispute closed improperly / Fraud Goods Not as Described Complaint Narrative : Navy Federal accepted my dispute involving fraud and goods not as described, requested supporting documentation, and explicitly stated I would have one business day to upload evidence. 

The investigation was closed before the promised documentation window, without allowing submission of evidence. This constitutes a procedural failure. 

The dispute involves a commercial vehicle purchased through misrepresentation. A licensed dealership confirmed the engine is blown and that the sellers repair claims were false. 


I am attaching proof of fraud, dealer diagnostics, and regulator complaint confirmations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 must emphasize that this complaint is not filed in error. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are causing significant distress and ongoing negative impacts on my life, and correcting them would provide substantial relief during this challenging period.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit report. I followed the proper dispute process and submitted a formal written request to the credit bureau asking for the removal of incorrect personal information, outdated or inaccurate accounts, and unauthorized hard inquiries. The bureau has not provided verification or proper documentation to validate these items. Some of the information being reported does not belong to me, and no signed authorization has been provided for the hard inquiries. These errors have negatively affected my credit score and overall creditworthiness.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverifiable information on my TransUnion credit report. The items listed below do not comply with FCRA reporting standards. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX Unauthorized / Unrecognized Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Reporting in Dispute 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information appearing on my TransUnion credit report. 

Charged-Off Accounts I dispute the accuracy, balance, ownership, and reporting of the following 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 XXXXXXXX These accounts are being reported inconsistently across credit bureaus, which raises serious concerns about their accuracy and verification. 

Late Payment I am disputing the late payment reporting on the following account due to inaccurate payment history and incomplete reporting : XXXX XXXX XXXX Acct # 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