vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: GA

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 2025-07-29 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: SC

Complaint narrative:
On XX/XX/year>, I entered into a deferment with XXXX. Later, I discovered that XXXX had reported inaccurate and misleading information on my credit report, resulting in a significant XXXX drop in my credit score. Upon review, I noticed that a late payment was reported for XX/XX/year>, and I was XXXX  days late as of XX/XX/year>, despite the account being in deferment, and the account is marked as delinquent even though I am in good standing. I filed a dispute with Experian, and there was no response after 30 days. On XX/XX/XXXX, I opened another dispute regarding the inaccurate information.

This incorrect reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which requires furnishers of credit information to report accurate, complete, and up-to-date information to consumer reporting agencies. 

I contacted both XXXX and the credit bureaus to dispute this inaccuracy, but the issue remains unresolved. I have not received proper documentation, verification, or correction from XXXX, and no meaningful attempt to rectify this matter has been made. 

The negative reporting is causing serious harm to my financial health, including increased interest rates, denied credit applications, and emotional stress. I am requesting that the CFPB investigate and take appropriate enforcement action to require XXXX to immediately correct or remove the inaccurate information from all credit reporting agencies.

Also my FERPA was violated and my rights were violated during a data breach.

This situation reflects non-compliance with FCRA obligations, and I am requesting relief under the authority of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates accuracy in reporting. Please delete this account from my credit 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
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-29 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: CA

Complaint narrative:
submitted a formal dispute to Equifax under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), regarding multiple accounts on my credit report that contain inaccurate and/or unverifiable information. Despite this, Equifax continues to report these items without proper correction or verification. 

The following accounts were part of my dispute : XXXX XXXX XXXX XXXX XXXX  ( # XXXX ) : Reporting as charged off with a {$0.00} balance and marked as sold/transferred, yet it continues to display derogatory payment history and activity that is inconsistent and unverified. 

XXXX XXXX ( # XXXX ) : Reports a high credit limit of {$16000.00}, far exceeding the actual loan amount. This appears inflated and unverifiable. 

XXXX XXXX Bank ( # XXXX ) : No changes since XXXX. The dispute remains unresolved, with Equifax failing to verify or update the account status. 

XXXX XXXX ( # XXXX ) : Continues to show a static charge-off balance, with no verification or documentation provided. 


Equifax has not provided any evidence or documentation to verify these entries, nor have they deleted them as required under FCRA 1681i ( a ) ( 5 ) when items are inaccurate or unverifiable. Their inaction violates the FCRA and is damaging my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
submitted a formal dispute to Equifax under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), regarding multiple accounts on my credit report that contain inaccurate and/or unverifiable information. Despite this, Equifax continues to report these items without proper correction or verification. 

The following accounts were part of my dispute : XXXX XXXX XXXX XXXX XXXX  ( # XXXX ) : Reporting as charged off with a {$0.00} balance and marked as sold/transferred, yet it continues to display derogatory payment history and activity that is inconsistent and unverified. 

XXXX XXXX ( # XXXX ) : Reports a high credit limit of {$16000.00}, far exceeding the actual loan amount. This appears inflated and unverifiable. 

XXXX XXXX Bank ( # XXXX ) : No changes since XXXX. The dispute remains unresolved, with Equifax failing to verify or update the account status. 

XXXX XXXX ( # XXXX ) : Continues to show a static charge-off balance, with no verification or documentation provided. 


Equifax has not provided any evidence or documentation to verify these entries, nor have they deleted them as required under FCRA 1681i ( a ) ( 5 ) when items are inaccurate or unverifiable. Their inaction violates the FCRA and is damaging my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME DEPOT XXXX XXXX {$2500.00} XXXX XXXX XXXXXX/XX/XXXX I NEVER AUTH TO BE ADDED AS AUTH SIGNER TO NEITHER OF THE ABOVE ACCOUNTS

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 2025-07-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I previously disputed an account reported by Portfolio Recovery Associates ( PRA ) for an account XXXXXXXX XXXX XXXX XXXX XXXX. I requested validation/verification of the debt under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) 1692g and the Fair Credit Reporting Act ( FCRA ) 1681i.

PRA responded with a vague summary that lacked the necessary documentation to prove the debt is mine. They did not provide a signed contract, no itemized account statements, no proof of legal authority to collect, and no legitimate chain of assignment. Instead, they gave me a generic claim that they purchased the debt, and nothing more.

This violates : FDCPA 1692g failure to properly validate debt FCRA 1681i failure of credit bureaus to reasonably investigate dispute Texas Finance Code 392.202 failure to respond to written request for debt validation Texas Finance Code 392.303 continued collection without proper basis This situation has caused undue stress and negatively impacted my creditworthiness due to their failure to follow the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
CFPB Complaint Statement XXXX XXXX XXXX Subject : Repeated Failure to Correct Inaccurate Information and Verify Disputes Under the FCRA I am submitting this formal complaint against Experian, Equifax, and TransUnion for their ongoing failure to lawfully respond to multiple credit reporting disputes I initiated concerning inaccurate, outdated, and potentially unverifiable information on my credit reports. 

Despite repeated notices and disputes submitted in good faith, the credit bureaus have failed to conduct proper reinvestigations and have instead returned generic responses claiming the information was " verified '' without supplying the required " method of verification '' or any supporting documentation. This behavior violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose the method of verification 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting Disputed Information Still Unresolved : Chapter XXXX Bankruptcy Furnisher : XXXX Case Number : XXXX Unauthorized Hard Inquiry Creditor : XXXX XXXX NA Date of Inquiry : XX/XX/XXXX Unauthorized Hard Inquiry Creditor : XXXX XXXX NA Date of Inquiry : XX/XX/XXXX Late Payment ( Closed/Paid ) Furnisher : XXXX  XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) Furnisher : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Furnisher : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Furnisher : UPGRADE XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Furnisher : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Furnisher : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Personal Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Incorrect Personal Information Address XXXX XXXX MOUNT XXXX XXXX XXXX XXXX MI XXXX Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Despite multiple disputes XXXX the bureaus failed XXXX : Provide the method and process used to verify each item Identify the furnishing parties with name, title, and contact details Supply any documentation relied upon to continue reporting these items

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 2025-07-29 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Equifax compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX DE XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-1 and 1681g, I am formally disputing a fraudulent account reported by an apartment complex located out of state, which claims I owe {$7300.00} as of XX/XX/year>. I have never resided at, applied to, or signed any lease agreement with this property, and this account is a result of identity theft. Under 15 U.S. Code 1681c-2, I request that this fraudulent tradeline be blocked from my credit report after submission of proper identity theft documentation. Additionally, under 15 U.S. Code 1681b, any furnishing or sharing of my personal information without a permissible purpose or my authorization is a violation of federal law. I demand immediate investigation, removal of the account, and a copy of all documentation used to verify its 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 explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of an account on my credit report which I never authorized, opened, or agreed to in any capacity. I have reviewed all of my financial records and can confirm with certainty that I did not initiate or approve this account. This entry is both erroneous and damaging to my financial profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-07-29 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have been experiencing repeated issues with my XXXX  account where transfers and card additions are consistently declined without any clear explanation. Despite multiple attempts to resolve this through XXXX  customer support, I have only received generic responses stating that the declines are due to internal automated risk controls that can not be overridden or reviewed by any representative. 

XXXX  support has been unable to provide any specific reasons for these declines or offer a solution to restore my access to my own funds. This lack of transparency and inability to resolve the problem has caused significant inconvenience and frustration, especially as I rely on this platform for timely financial transactions. 

I am requesting a thorough investigation into these automated declines and an explanation for why my transactions are being blocked. Furthermore, I ask that XXXX  improve its customer service by providing clear communication and escalation options to resolve issues affecting users access to their funds. 

Thank you for your attention to this matter. I look forward to a resolution that allows me to use XXXX  services reliably and securely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This account should be removed due to multiple accounts on my end to coming up with payment plans. Things happen and they were not accommodating

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