vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
Subject : Dispute of Inaccurate XXXX XXXX Account Reporting Account Number : XXXX To whom it may concern, I am disputing the XXXX XXXX account listed above. The tradeline contains factual inaccuracies and must be corrected or removed under the Fair Credit Reporting Act. 

The issues are : Missing Date of First Delinquency ( DOFD ) The account shows payment codes but does not list the DOFD, which is required for all derogatory accounts. 

Incorrect Past Due Amount The account is closed, yet the report shows the full balance as past due, which is inconsistent with standard reporting guidelines for closed wireless accounts. 

Conflicting Status Dates The tradeline states Status updated XX/XX/XXXX, yet also displays reporting activity through XXXX. These conflicting dates suggest inaccurate updating. 

Because these items are materially inaccurate, I request that the account be deleted in accordance with the FCRA. 

Please conduct a reinvestigation and notify me of your findings.

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 2025-11-26 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
XXXX  Equifax and TransUnion, all reporting information that's not mine an are seriously wrong an misleading!!! My identity has been stolen since 2021 .. An also XXXX  has stolen over XXXX dollars of my federal income tax payment from those years that when the data breach occurred an I have had problems with people stealing my identity every since .. Also I have letters from TransUnion an Equifax stating that the have leaked my social security number and other personal information in the past 5 years an recently.. I need all of my information reviewed .. No one wants to give me my full credit report like with the statements that I have cars in my name from a state I never lived in. An I had to pay XXXX XXXX XXXX just to get that little but if information. Please help me asap thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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. PURPOSE OF THIS ESCALATION This filing serves as a formal escalation to the Consumer Financial Protection Bureau ( CFPB ) regarding Experians willful, repeated, and ongoing violations of the Fair Credit Reporting Act ( FCRA ). Experians template response failed to investigate, verify, or correct inaccurate personal identifiers on my credit file.

II. EXPERIANS RESPONSE FAILED TO MEET FCRA REQUIREMENTS A. Violation of 1681e ( b ) : Failure to Maintain Maximum Possible Accuracy Experian admitted it merely stores data sent by furnishers, violating its duty to ensure accuracy. Key Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) B. Violation of 1681i ( a ) : Failure to Conduct a Reasonable Reinvestigation Experian provided no documentation, verification, or specific findings. Key Case Law : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) C. Violation of 1681g : Failure to Disclose Sources of Information Experian illegally refused to disclose furnishers and sources. Key Case Law : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX. EXPERIAN ILLEGALLY SHIFTED THE BURDEN TO THE CONSUMER CRAs can not shift investigative duties onto consumers. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Stevenson v. TRW , Inc., 987 F.2d 288 ( 5th Cir. 1993 ) IV. WILLFUL NONCOMPLIANCE UNDER 1681n Experians conduct meets the reckless disregard standard. Key Case : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) V. REQUEST FOR CFPB ACTION I request the CFPB compel Experian to : 1. Conduct a lawful reinvestigation. 2. Remove unverifiable personal identifiers. 3. Provide complete 1681g disclosures. 4.

Supply a non-template response. 5. Confirm compliance with 1681e ( b ).

VI. CONCLUSION Experians response is inadequate, unlawful, and negligent. I request CFPB intervention to enforce compliance.

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 2025-11-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-26 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 have found a fraudulent XXXX XXXX XXXXXXXX account opened on XXXX please remove it from my credit report. and hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OK

Complaint narrative:
Chime closed my account without explanation and will not allow me to reopen or verify my eligibility. I am requesting a full review and confirmation that I am not fraud-flagged. I need this corrected so I can open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
This is a follow-up complaint regarding [ XX/XX/XXXX / Equifax / XX/XX/XXXXXXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. XXXX ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), and XXXX v. XX/XX/XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX BANK XXXXXX/XX/XXXXXX/XX/XXXX INQ : XXXX : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, I hope you're well. Accounts below are the subject of this letter. This is on my credit report and affects me greatly. Identity theft compromised my identification, thus these accounts appear on my credit record. Because they are not mine and I shouldn't be responsible for something opened without my knowledge, these accounts are really bothering me. You wouldn't want to pay for something you don't know, haven't done business with, or used. I hope to buy a house and get promoted in XXXX, which involves a credit check.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
When your company previously contacted me by phone, I clearly informed your representative that I have never opened or authorized any account of this nature. During that call, I requested proof of the alleged account multiple times, including documentation showing : The original creditor The original signed agreement or application Any statements or transaction records Proof that I am the individual responsible for the alleged debt Despite my repeated requests, your representative was unable to provide any of this information. As a result, no verification or validation of this alleged debt has ever been supplied. 

Because this account is not mine, any attempt to collect it is improper, and continued reporting or collection activity may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am demanding the following : Immediate investigation into this fraudulent account.

Immediate cessation of all collection activity related to this account.

Immediate removal of any negative reporting to the credit bureaus.

Written confirmation that the account has been closed and that you recognize it as fraudulent. 

Any continued attempts to collect, report, or verify this fraudulent debt after receiving this notice will result in complaints filed with the CFPB, FTC, and State Attorney General, and I will pursue all available legal remedies. 

Sincerely, Name : XXXX XXXX Address : XXXX XXXX XXXX Account/Reference Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-26 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: SC

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is an inaccurate bankruptcy reported on my credit file. I respectfully request an investigation to correct and remove this entry within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: RI

Complaint narrative:
I am disputing the reporting of a charge-off on my credit report by XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX ). 

Despite my request for verification and validation, the creditor has failed to provide proper documentation that the reported balance and account status are accurate and complete, in violation of the Fair Credit Reporting Act ( FCRA ).

This conduct violates : FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher may not report information that is not complete and accurate.

FCRA 623 ( a ) ( 2 ) : A furnisher must update or correct information that is inaccurate or incomplete.

FCRA 611 ( a ) / 15 U.S.C. 1681i ( a ) : Consumers have the right to request verification of any disputed information, and furnishers must investigate and correct or delete inaccurate information. 

The charge-off is currently reported as owed or delinquent, despite [ insert any supporting facts : e.g., 1099-C issued, settled, or paid ].

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
On XX/XX/year>, a debt in the amount of {$1300.00} was reported by Jefferson Capital LLC as purchased/assigned to their agency. I have never conducted business with Jefferson Capital LLC, nor have I received documentation proving that this alleged account is valid. This collection appeared unexpectedly and without merit, as I have no record of owing any debt associated with their company or any creditor they may represent.

I am formally requesting verification of this account, including original creditor information, account history, proof of ownership/assignment, and validation of the balance owed. Until proper validation is provided, I dispute the accuracy and legitimacy of this account and request that it be reviewed and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
It is very upsetting to see that these inaccurate accounts are still on my credit report, and nothing was done to remove them. I am desperately requesting that the documents I submitted be looked at with attention, so I can finally stop dealing with this constant worry.

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 2025-11-26 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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