vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Public Record - Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BANKRUPTCY XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/XXXX Alleged last payment date on the account. 
XX/XX/XXXX I emailed Resurgent Capital Services disputing the debt as time-barred. 
XX/XX/XXXX I sent a certified letter to Resurgent confirming the dispute XX/XX/XXXX LVNV hired XXXX XXXX XXXX XXXX to continue collection efforts I am filing this complaint because LVNV Funding LLC and its agents have attempted to collect a debt that is time-barred under Georgia law . The alleged debt dates back to XX/XX/XXXX, and is therefore beyond the 6-year statute of limitations for written contracts. 

I previously notified LVNV Funding LLCs first collection agency, Resurgent Capital Services, via email and certified mail, that the debt is disputed and legally unenforceable. Despite this, Resurgent continued collection efforts, and LVNV subsequently hired XXXX XXXX XXXX XXXX to pursue the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX I made a payment of {$870.00} to Aidvantage/Department of Education . Aidvantage overdrawn my account by taking out {$970.00} for payment. I requested a refund on or around XX/XX/XXXX. When I received a letter stating my account was paid in full/closed. I knew I didnt pay my account in full so, I called Aidvantage immediately. Aidvantage then told me for the first time without consulting with me. Your remaining balance of {$33.00} was written off. I then told Aidvantage that I didnt want any type of assistance with a write off, credit or forgiveness. Also ask for a refund on the {$100.00} extra they overdrawn they denied it. Aidvantage reversed the write off after the phone call. Then redone the write off again. Aidvantage has never helped me with anything. I had ask for forgiveness on my loans with them in the past they refused to help me. On this issue I contacted Aidvantage XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. Aidvantage wrote a letter sent it to me stating if you pay {$33.00} we will reverse the write off and my balance would be {$33.00} this never made since to me. I wanted my credit report fixed so after almost a month I paid it and Aidvantage lied my balance when I called XX/XX/XXXX was XXXX XXXX  so they took my my and stole it because I was told the balance would be {$33.00} after the {$33.00} was paid XX/XX/XXXX. because they had been reporting to all 3 credit bureaus my account was closed/paid in full. I disputed this with the same XXXX credit bureaus and the denied my dispute. On XX/XX/XXXX I ask for a full refund of {$970.00} & {$33.00} because I have been lied to, account overdrawn, credit score was negatively impacted due to reporting misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I got an account with XXXX XXXX XXXXXXXX when I moved into my house. I got a credit card from them to get my furniture and the account automatically went to Synchrony Bank. Synchrony closed my account a couple of months before my promotional date ended and they did it without my permission and I was still paying off fees on the account. Once the promotional date ended, I got an interest charge of more than {$1000.00}. I am military and I have XXXX benefits which were not put into consideration when that charge was put on my account. The bank already moved the remaining funds from the closed XXXX 's account to my CareCredit account exceeding the credit limit by a lot on that account, but then the interest charged caused an even bigger conflict. Per my XXXX benefits, interest should be no more than 6 % if charged from credit companies and some reduce the percentage to 0 %. I was not given my benefits from Synchrony causing a conflict to my credit and to my financial responsibilities.

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 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Wrongfully accused of debts I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-20 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:
After reviewing my credit reports, I discovered several negative accounts and multiple duplicated hard inquiries that appear inaccurate, incomplete, or unverified. Several creditors are reporting chargeoffs and late-payment histories even though the payment data is missing for long periods or contains abrupt, inconsistent derogatory updates. For example, some accounts show years of missing information followed by sudden chargeoff reporting, while others show irregular delinquency sequences that do not match what was actually communicated to me. Additionally, multiple collection agencies are reporting debts without providing any validation, proof of ownership, or itemized breakdowns of the balances. I also found numerous duplicated hard inquiries from the same companies on the same dates, even though I did not authorize multiple separate credit pulls. These issues have been occurring across my reports throughout XXXX, XXXX, and XXXX, and the companies involved have not provided the proper supporting documentation required under federal law to justify these negative entries.

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 2025-11-20 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: MI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-20 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: MI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-20 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union is reporting unauthorized charge-off accounts and the credit bureaus failed to properly verify the account I am filing this complaint because Navy Federal Credit Union is reporting two chargeoff accounts that do NOT belong to me. I disputed these accounts with XXXX XXXX XXXX XXXX  requesting verification under FCRA 609 ( a ), 611, and 15 USC 1681i. The bureaus failed to provide any original documentation, contract, signature, or evidence linking me to these accounts. 
Instead of providing verification, the credit bureaus responded with generic statements claiming the accounts were verified, without showing : Who verified the accounts What documents were used Any signed contract Any validation of identity Any proof of ownership This is a violation of FCRA 611 ( a ) ( 7 ) and 15 USC 1681i.

I requested accounts were verified, without showing : Who verified the accounts What documents were used Any signed contract Any validation of identity Any proof of ownership This is a violation of FCRA 611 ( a ) ( 7 ) and 15 USC 1681i. 
I requested the Method of Verification and have still not been provided with any legally required validation. Navy Federal has not provided ANY evidence that I opened, authorized, or used these accounts.

These accounts are not mine and are damaging my credit profile. I am requesting the CFPB to require Navy Federal and the credit bureaus to : 1. Provide original documentation ( signed contracts, applications, identity verification ) 2. Explain the exact method used to verify the accounts 3. Delete the accounts immediately if no proof exists I am asking for full compliance with the FCRA and removal of all unverified accounts. 
Evidence I Will Upload : XXXX  Dispute Letter PDF XXXX  Dispute Letter PDF XXXX  Dispute Letter PDF Method of Verification Letter PDF Credit report showing the Navy Federal accounts Drivers license + proof of address Requested Resolution : Full deletion of all Navy Federal chargeoff accounts that can not be verified with original documentation, as required by federal law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-20 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, I made a payment of {$3800.00}, and on XX/XX/year>, I made a second payment of {$4700.00} toward my Chase XXXX XXXX account. On the morning of XX/XX/year>, I logged into my account to confirm that the payments had posted, but the account was already closed without any notice. 

I immediately called Chase, and the representative could not provide a reason. She stated the closure was vague and only listed closed due to policy. She confirmed that I had excellent payment history and even said that if it were up to her, she would reopen it, but it was outside of her control. She referred me to their escalation address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The reason I made the large payments was to prepare for my rent and a significant insurance premium that I intended to pay using my Chase card to receive my earned points. The sudden closure after accepting over {$8500.00} in paymentswithout providing a written adverse action reason appears to violate the Equal Credit Opportunity Act ( Regulation B ) and is highly disruptive to my financial planning. Im requesting a full explanation, reinstatement consideration, and confirmation this will not harm my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MD

Complaint narrative:
This complaint concerns an encounter I had through the chat support system. The agent involved was named XXXX. I contacted chat support because I needed help using my card with XXXXXXXX XXXXspecifically, I was unable to view my card numbers. I was at the grocery store checkout and unable to complete my purchase, so I reached out for assistance. 

At first, XXXX appeared to be helping. She asked if I wanted a new card sent out, and I repeatedly told her noI did not need a replacement card. I only needed access to my card numbers so I could add the card to my XXXX XXXX. Despite clearly stating this multiple times, she continued to focus on sending me a new card rather than addressing my actual issue. 

I became frustrated, as her responses made it clear she was not listening. I told her that many people ask me why I still use Chime, and now I understood why. I stated that I would be closing my account. She then asked if I wanted her to close it for me, and I made it clear that I did not need her to do anything with my account or cards. I emphasized several times that she should not make any changes. 

I left the chat and called customer support insteadonly to discover that XXXX had gone into my account and changed my cards without my permission. She did this after I specifically told her not to touch anything. Because of this unauthorized action, I was stuck in the store for nearly two hours. 

I later spoke with a supervisor who tried to help, but at that point, nothing could be undone immediately. I am requesting that this situation be taken seriously and that the chat logs between myself and XXXX be reviewed. She doesn't need this job because what she did was completely inappropriate, and she had no right to make any changes to my card or account without my consent. I have attached screenshots as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 disputing the following accounts on my TransUnion credit report. These charged-off accounts are being incorrectly reported, and I request that you review and correct these errors accordingly. 

Charged-Off Accounts XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Inquiries Disputes XXXX I am disputing the following inquiries on my XXXX credit report. These inquiries were either unauthorized or incorrectly listed, and I request an investigation into their accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
After reviewing my credit reports, I found several negative accounts being reported inaccurately and without proper verification from the companies involved. One creditor reported multiple late payments in XXXX even though I was never provided billing statements, delinquency notices, or any documentation showing I was past due. Another company reported a chargeoff without supplying the full chain of evidence, including the date of default, required notices, or itemized balance history. Additionally, one creditor is reporting chargeoff activity that conflicts with information shown by other credit bureaus, which indicates inconsistent and potentially inaccurate furnishing. The negative histories shown include XXXX, XXXX, XXXX delinquencies and repeated chargeoff reporting, none of which have been validated with complete original documentation. These issues have been appearing on my reports through XXXX, XXXX, and XXXX and have caused significant harm to my credit standing. I attempted to dispute these items through the credit bureaus, but the companies did not provide sufficient evidence to verify the derogatory information they are 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