vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-23 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: NJ

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, Equifax XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NC

Complaint narrative:
I am a survivor of human trafficking. I am writing to dispute an alleged debt of {$150.00} being reported by the debt collector " Conserve ''. Pursuant to the Debt Bondage Repair Act ( DBRA ) and the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 1681c-3, any debt incurred as a result of human trafficking is legally void and prohibited from being reported on a consumer credit file. 

I have formally notified the collector via email of my status as a survivor and a participant in a state Address Confidentiality Program. I have demanded validation of the debt under FDCPA 809 ( b ) and requested that they immediately cease all collection activities. Despite these protections, the item remains on my credit report. The company has not provided the requested validation documents, including proof of their authority to collect or proof of licensure in North Carolina.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

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 " US BK COURT -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( US BK COURT ) 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 explanation
Consumer complaint received 2025-12-23 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:
Dear Sir/Madam, I am writing to dispute the information reported on my credit reports with the major credit bureaus : TransUnion. Below is a detailed account of the items I am disputing, separated by bureau. 

Charged Off Accounts : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payment : XXXX XXXXXXXX, Account # XXXXXXXX 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 2025-12-23 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: FL

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-23 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:
The personal information on my credit report were outdated.

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 2025-12-23 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: NJ

Complaint narrative:
I am filing a complaint to address ongoing issues with inaccurate personal information on my credit file. Despite filing an FTC Identity Theft Report certain erroneous details, including incorrect addresses and a phone number that do not belong to me, remain on my report. These inaccuracies were added without proper verification and continue to appear, which is creating significant confusion and risk of harm. 

The information reported violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in consumer files. I request that these errors be immediately removed from my credit report to ensure compliance with the law and to protect my credit standing. 

I demand that the inaccurate addresses ( XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX ) and phone number ( XXXX ) be deleted from my file, as they were reported without my consent or authorization. I seek confirmation that my credit report is up to date and free of any fraudulent or incorrect entries. 

This matter must be taken seriously, and I expect it to be resolved promptly. Please provide a detailed response outlining the steps you will take to ensure that my credit file reflects accurate and authorized information only.

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 2025-12-23 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: CA

Complaint narrative:
THE LATE PAYMENT REPORTED ON MY ACCOUNT IS INACCURATE AND DOES NOT REFLECT MY CONSISTENT HISTORY OF ON-TIME PAYMENTS. I REQUEST THAT THIS LATE PAYMENT BE REMOVED AND THAT MY ACCOUNT BE UPDATED TO SHOW CORRECT AND ACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-23 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : 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 non-monetary relief
Consumer complaint received 2025-12-23 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I received an email notification regarding possible fraudulent activity on my CareCredit account. At that time, my account balance was {$0.00} and had not had any charges for approximately XXXX months. 

Approximately XXXX weeks later, after reviewing my account in detail, I noticed XXXX unauthorized charges totaling {$71.00}. I immediately contacted CareCredit to report the fraud. During that call, I stated that the charges were not mine and that I have documentation proving I was at work during the dates and times the card was used.

I also informed CareCredit on multiple occasions that I never received the replacement card that was issued and mailed to me. I do not currently possess the card that was used for these transactions, nor have I ever had it in my possession. 

These charges were made without my authorization, knowledge, or consent.

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 monetary relief
Consumer complaint received 2025-12-23 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: VA

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
I am filing a complaint regarding Sunrise Credit Services reporting and attempted collection of an account that does not appear to belong to me and has not been properly validated. 

Sunrise Credit Services is reporting a collection account ( account number XXXX, allegedly from XXXX XXXX ) on my credit reports. I do not recognize this account and have no record of opening, authorizing, or being financially responsible for the alleged debt. 

I submitted a written dispute requesting validation of this debt on XX/XX/year>, and followed up on XX/XX/year>. Sunrise Credit Services has failed to provide any documentation proving that I am legally responsible for this account, such as a signed service agreement, billing statements showing my name and address at the time of service, or proof of assignment. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a debt collector may not continue to report or attempt to collect a debt that can not be validated after dispute. Continued reporting of this account without proper verification is inaccurate, misleading, and harmful to my credit profile. 

I am requesting that Sunrise Credit Services : Provide full validation proving this debt belongs to me, or Immediately delete this account from all credit reporting agencies if validation can not be provided. 

I am also requesting that Sunrise Credit Services cease collection activity until proper validation is produced.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, while traveling in XXXX, XXXX, I was the victim of a criminal incident that resulted in the theft of my wallet, debit card, credit card, phone, and other personal belongings. 

During the same time period ( XXXX XXXX XXXX ), I was medically incapacitated and under medical treatment, as documented by medical records from a licensed physician. Due to this condition, I was unable to access or monitor my financial accounts. 

While I was incapacitated, unauthorized access occurred on my Chime account, including : A new account login from XXXX, XXXX ( XXXX XXXX ) that was not performed by me An unauthorized ATM PIN change on my Chime Credit Builder card Multiple unauthorized transactions and withdrawals I did not authorize any of these actions. 

Once I regained access and became aware of the activity, I immediately secured my account and reported the fraud. A formal police report was filed and accepted by local authorities, and the case was assigned to the Prosecutors Office. 

Additionally, Chime approved and reimbursed several unauthorized ATM withdrawals from the same timeframe, confirming that unauthorized activity did occur during this incident. 

Despite the consistent timeline, supporting evidence, and partial fraud approval, the remaining disputed charges were denied and my account was subsequently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-23 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:
Charged-Off / Collection Accounts in Dispute I dispute the accuracy of the following accounts on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX Acct # XXXX Balance {$400.00} XXXX  XXXX XXXX Acct # XXXX Balance {$350.00} XXXX  XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$230.00} XXXX  XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$480.00} XXXX XXXX XXXX Acct XXXX XXXX Balance {$290.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX Balance {$840.00} XXXX XXXX XXXXXXXX Acct XXXX XXXX Balance {$3300.00} XXXX XXXXXXXX XXXX Acct # XXXX XXXX {$2000.00} I dispute the balances, dates, and reporting accuracy of these accounts and request full verification. 

Inquiries in Dispute I dispute the following inquiries and request proof of authorization : XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payments in Dispute I dispute the late payment reporting on : XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # 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 non-monetary relief
Consumer complaint received 2025-12-23 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I made a formal dispute and request to provide the above mentioned documents and did not receive any correspondence or confirmation that request was fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. 
My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. 
These errors are having a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. 
Resolving this issue is not only necessary, it is critical.

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