vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XXXX XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate investigation and removal of an inaccurate and unverifiable account from my Experian credit report, listed as : - Creditor Name : XXXX XXXX XXXX Amount : {$20.00} - Account Type : Charge-Off Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to conduct a reasonable investigation of any disputed information within 30 days of receipt of this notice. This account is not verifiable by any documentation I have received from either the credit reporting agency or the data furnisher. I have made previous efforts to dispute this information and have not received any legitimate evidence proving the accuracy or legal responsibility of this debt. 

If this account can not be verified with documented evidence from the original creditorsuch as a signed contract or billing statementsthen by law, it must be deleted from my credit file.

In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if the investigation finds the information to be inaccurate or unverifiable, the credit bureau must delete or correct the item within 30 days. Continued reporting of unverifiable and inaccurate information is a willful violation of the FCRA and can result in civil liability under 15 U.S. Code 1681n and 1681o.

Furthermore, under 15 U.S. Code 1681s-2 ( b ), a data furnisher must also conduct a proper investigation once a dispute is initiated. If they fail to do so, and you continue to report inaccurate information, both the furnisher and the credit bureau may be held liable.

Action Requested : I demand that this unverifiable account be permanently removed from my Experian credit report within 30 days or less, as required by federal law. If this account is not deleted within the time frame provided by law, I will pursue further legal remedies including, but not limited to : - Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) - Filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney General - Pursuing legal action for willful noncompliance with the FCRA, including damages and attorneys fees Thank you for your prompt attention to this matter. Please provide written confirmation once the investigation is completed or the item is removed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a credit card in the mail from Citibank... I never applied for it. 

I DID receive an email several weeks ago thanking me for my application and they said they needed a copy of my picture ID to process my application. I NEVER sent it and I called them ( citi ) and told them I did not apply for a card. They told me there were no pending applications under my name ( I now suspect it was because it was a business card ). 

I got a text message last week ( I was on vacation ) asking me to text the last XXXX digits of my new card to activate it. I called and it took quite a while and three different ppl to find the account and close it. 

Then I got a card in the mail when I got back from vacation. It's a business card. It was opened under my name and business name. 

I found the " hard '' credit check on my equifax report and disputed it already.

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 2025-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MT

Complaint narrative:
On XX/XX/XXXX XXXX I received a text from time that asked if I tried to use my credit builder card in XXXX for a hotel. I replied no next text message said a XXXX would call me and immediately. I got the call and he said, my credit builder card was compromised that they would need to send me a new card. I was on hold for about an hour off and on just thinking I'm getting a new card i was checking emails and seen one said your saving account closed then another saying my credit builder account closed I hung up with whoever the person was and checked chime app to see XXXX balance and XXXX accounts closed so I called chime to ask them what the heck happened they weren't co corned about ig they filed dispute and told me to wait for investigation. Not to worry we'll that was all the money I had XXXX total gone so I waited til next day called again the guy hung up on me I called the next day XX/XX/XXXX they had no answers and I called back XXXX days later they told me to check my email. They had a decision on my investigation in the dispute and that it will explained to me how they came up with their decision.all it said was dispute closed no fraud activity found so I called back and they wouldn't, they said it was close and nothing, they could do about it.I asked about my account that records against my will.They said that was a different department and transferred me to the credit builder department. Then I got a file dispute then about my account being closed and they said they would investigate that and then about XXXX days later, they reopened my credit builder account and my savings account, but still no {$500.00} has been given back to me And I don't know what else to do or I sent everything.I had for proof evidence to them and I don't understand how they could say there was no friend

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX regarding a dispute that was incorrectly handled and closed without a resolution. 

On XX/XX/XXXX, I purchased an item from the online marketplace XXXX for {$74.00}. Upon receipt, I discovered that the item was not as described. After several attempts to resolve the issue directly with XXXX, including providing photographic evidence, the company refused to issue a refund and did not provide a return shipping label or address. 

I then opened a dispute with XXXX ( Order ID : XXXX ) & ( Transaction ID : XXXX ), providing all relevant documentation, including pictures of the incorrect item and XXXX XXXX denial of my refund request. During the dispute process, XXXX repeatedly instructed me to provide a return shipping label, despite my explanations that I could not do so because XXXX had not provided one. 

Ultimately, XXXX closed the case in favor of the merchant, XXXX, without a thorough investigation and without providing me with an opportunity to present my full case. I received no refund and feel that XXXX 's process was unjust and failed to protect me as a consumer. 

I believe this case warrants a review by the CFPB, as XXXX 's handling of the dispute was flawed and resulted in a financial loss for me. 

Thank you for your attention to this matter.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion Consumer Solutions P.O. XXXX XXXX, XXXX Experian XXXX. XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX Last XXXX of XXXX : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. 

You are reporting a late payment on ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ) on the account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

This is not true, I was not late on ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ). 

I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am the victim of identity theft. In XXXX XXXX, I discovered that multiple fraudulent accounts were opened and collections reported in my name without my knowledge or consent. I have already submitted a formal FTC Identity Theft Report and am requesting immediate removal and blocking of this account under the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) and reinvestigation under Section 611 ( 15 U.S.C. 1681i ). Please also cease all collection and furnish details of the verification method used. No valid authorization exists.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax Misclassification of Dispute ( ID Theft Block Error ) XXXX  Account I am filing this complaint against Equifax for misclassifying a valid dispute on my credit file. 

On XX/XX/year>, I submitted a dispute regarding the XXXX account ( XXXX ) for inaccurate reporting. My dispute was intended to be a standard FCRA dispute ( incorrect account status ). 

However, Equifax misclassified my dispute as an Identity Theft Block Request despite the fact that I never submitted an identity theft claim. I have not alleged identity theft, nor have I provided identity theft documentation because this is not an identity theft case. 

As a result : My dispute is being processed incorrectly. 

Equifax has effectively stalled a proper investigation. 

This misclassification is interfering with my rights under the Fair Credit Reporting Act ( FCRA ) to have my dispute accurately investigated. 

I am attaching screenshots showing Equifaxs misclassification of my dispute as an identity theft block. 

This is a pattern of behavior. I have previously submitted disputes where Equifax has altered the dispute reason code, delayed investigations, or failed to provide proper explanations of their actions. This misclassification appears retaliatory or negligent, and I request regulatory oversight to ensure compliance. 

Thank you for your prompt review and intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this dispute against experience, transition and Equifax information reported on my credit report. concerning XXXX XXXX ( XXXX  XXXX XXXX ), account number XXXXXXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1991, all information reported must be accurate, complete. 
Details of the Disputed Account Account Number : XXXX XXXX XXXX Creditor : XXXX XXXX ( XXXX XXXX XXXX ) Reported Status : Collection/Chargeoff, Unpaid Ballance Last Payment Date : XX/XX/XXXX Balance Owed : {$740.00} Account has been open under no acknowledgment to me. 
I have requested multiple times for this account to be deleted and verified, but no results have been taken. I have submitted all documentations. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that your agency investigate this matter within 15 days of receipt of this leter. I request it be updated refiect. the correct status as " Paid '' and " Closed. '' FCRA, credit reporting agencies and furishers are required to report accurate, complete, and verified information ( 15 U.S.C. 1681e ( b ) ). Consumers have the right to dispute any inaccurate or incomplete information and request its correction or deletion ( 15 U.S.C. 15811 ).

Furthermore, 15 U.S.C. 1681s-2 requires fumishers of credit information to update or correct the data they provide to credit bureaus upon notification of inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and/or unverified late payments reported by XXXXXXXX XXXX XXXX to the credit bureaus ( Experian, Equifax, and/or TransUnion ). These late payments are negatively impacting my credit and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Dates of reported delinquency : [ XXXX ] I have disputed the account with the furnisher directly and requested verification, but no sufficient documentation or correction has been provided. Under FCRA 15 U.S.C. 1681s-2, furnishers are obligated to report only accurate and complete information and must correct or delete inaccurate data after notice of a dispute. 
I am requesting that the CFPB investigate this matter and that XXXX XXXX XXXX  either provide full validation of the reported late payments or remove them from all credit reporting agencies. This inaccurate reporting is causing measurable financial harm, and I am seeking resolution under applicable federal consumer protection laws.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The criminally fraudulent credit reporting cabal called Experian reports my credit score almost XXXX points lower than the other agencies, and refuses to make any effort to correct their fraudulent reporting despite many contacts by me. All suggestions are to hire credit counselors but i should not need to spend money to get these criminals to simply be honest. I have repaired my credit through much patience and work and this Experian company refuses to update the status and clearly ignores all available information. I will file suit soon if they don't erase me entirely from their fraudulent system or at least report my credit history as accurate as their criminal colleagues at the other agencies. What a horrifying group of thieves. I hope someday they are exposed and disbanded as the liars that they are.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: IL

Complaint narrative:
Timeline & error XXXX / XXXX / XXXX  ProCollect issued the attached Release Letter for XXXX XXXX lease account # XXXX, stating the balance is {$0.00} and any derogatory credit will be deleted. 
A tradeline for XXXX appeared on my XXXX  report tied to my SSN and dropped my XXXX  score XXXX points. 
Visually, the account now prints under Satisfactory Accounts with Pay Status Paid, Closed, but the hidden XXXX XXXX fields ( Portfolio Type / Compliance Condition Code ) still tag it as a collection, so the scoring model treats it as a major derogatory. 
ProCollects internal record still lists my roommate ( XXXX XXXX XXXX as the account holder, so their reps say they cant correct the data for me. 
I disputed with TransUnion ; they closed the case claiming no derogatory marks, but the hidden collection code and score drop remain. 

Why its inaccurate / incomplete ( FCRA 623 ) 1. The release letter instructs deletion of any derogatory credit.

2. The tradeline is tied to the wrong consumer ( only my SSN reported ). 


XXXX. The underlying XXXX XXXX coding ( collection flag ) contradicts the paid/closed status shown to consumers, causing unjustified score damage.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear CFPB, Debt Collector : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including XXXX XXXX  A signed contract or agreement bearing my signature XXXX  A full itemized accounting of the debt XXXX Proof of legal assignment or ownership XXXX  The Forward Flow Agreement showing what documents were transferred XXXX Proof of the collectors license to collect in my state If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft and would like these accounts removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft and would like these accounts removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of Identity theft and would like these accounts removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation