vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
This serves as my formal dispute and demand for deletion and reinvestigation under my rights afforded by the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). Your bureau is currently reporting accounts that contain incomplete, unverifiable, and inconsistent information, and in some cases, data integrity breaches in violation of federal law. 
Accounts in Question : 1. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as Charged Off with inconsistent activity dates.

o Late history reported ( 30-day, 90-day ) with no verifiable payment records.

o Violations : FCRA 607 ( b ) ( failure to ensure accuracy ), 611 ( failure to conduct a reasonable reinvestigation ), 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate data ). 
2. XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate reporting ( Closed and Open ) and inconsistent status codes. 
o Violations : FCRA 602 ( a ), 607 ( b ), 610 ( b ) ; Metro-2 reporting guideline : Data inconsistency on Account Status and Payment History.

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Closed and Open simultaneously listed.

o No proof of permissible purpose.

o Violations : FCRA 604 ( a ) ( 3 ) ( A ) and 609 ( a ) ( 1 ).

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Duplicate reporting with mismatched activity dates.

o Violations : FCRA 607 ( b ), 610 ( b ), 616617 ( negligent or willful non-compliance ). 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No validation of debt under 609 ( a ) ( 1 ) ; reporting updated without my consent ( Data Breach risk ).

o Violations : FCRA 605 ( a ), 607 ( b ), 609, GLBA 502 ( b ).

Specific Legal Violations FCRA 602 ( a ) Failure to maintain maximum possible accuracy.

FCRA 607 ( b ) Reporting information without reasonable procedures to assure accuracy.

FCRA 611 ( a ) Failure to conduct a lawful and complete reinvestigation.

FCRA 616617 Civil liability for negligent or willful non-compliance.

FCRA 605A605B Potential Identity Theft / Data Breach concerns.

GLBA 501502 ( b ) Failure to protect nonpublic personal information.

Metro-2 Compliance Improper coding and simultaneous open and closed statuses violate the CRRG requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Last 4SSN : XXXX DateXXXX Recently I performed an investigation on my credit report and found several items on the reported inaccurately. 



Under 15USC 1681 ( e ) ( b ) Accuracy of report 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.

Under 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) Generally If, 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. 

Please remove the following items from my credit immediately : Accounts * 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 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: MO

Complaint narrative:
Although this collection does not appear on my TransUnion file currently, I am submitting this preventive dispute to ensure no inaccurate or outdated information is reinserted or shared between bureaus. 
Please confirm in writing whether any record for XXXX XXXX XXXX or XXXX XXXX exists in my file. If it does, investigate it for accuracy and completeness under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

If no such account exists, please provide written confirmation that none is present. If any version is present, please delete it unless it can be verified with full ownership documentation and itemized data.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), I am formally disputing the accuracy and completeness of the following items appearing on my credit file : 1. XXXX XXXX Auto Loan ( Account # XXXX XXXX XXXX XXXX XXXX ) Reported as Charge-Off / Bad Debt with a balance of {$34000.00}. 
o Inaccuracies : Date of First Delinquency, current balance after charge-off, and reporting as Profit and Loss Write-off without proper verification. 
XXXX. XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) Reported as Collection/Charge-off with a balance of {$710.00}. 
o Inaccuracies : No verifiable chain of title or proof of collection rights ; inconsistent balance history. 
XXXX. XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX  ) Reported as Derogatory Installment with a balance of {$5000.00}. 
o Inaccuracies : Missing payment-status details and inconsistent dates between bureaus.

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 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
CFPB Complaint Summary Complainant : XXXX XXXX XXXX XXXX of Incident : XX/XX/year> XX/XX/year> Debt Collector : National Credit Systems , Inc . Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7700.00} Account Location : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO Case Reference : XXXX XXXX XXXX XXXX XXXX XXXX Case No. XXXX ( Active Litigation ) Nature of Complaint : I am filing this complaint against National Credit Systems ( NCS ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to validate a disputed debt, continued collection activity during active litigation, and hostile conduct during disability-related communication. 

Timeline of Events : On XX/XX/year>, I received notice from XXXX XXXX that my account had been placed with NCS for collection. 

I immediately submitted a formal dispute and validation request under FDCPA 1692g, citing that the debt was under active litigation. 

On XX/XX/XXXX, NCS responded stating they had no record of the account. 

On XX/XX/XXXX, I received a call from NCS. I requested validation documents, which were never provided. 

On XX/XX/XXXX, I submitted a second dispute letter documenting the call and requesting validation again. 

On XX/XX/XXXX, I called NCS after receiving another vague voicemail. During the call : NCS claimed they had sent validation on XX/XX/XXXX, but I never received it. 

They admitted they had no lease or supporting documentation. 

They repeatedly referenced the debt being sent to collections despite it already being disputed. 

The call was escalated to a supervisor who was dismissive and refused to acknowledge the legal dispute. 

Violations Alleged : FDCPA 1692g ( b ) : Continued collection activity without validation after formal dispute FDCPA 1692e : Misrepresentation of legal status and authority FDCPA 1692f : Unfair and abusive practices Failure to accommodate disability-related communication needs, potentially violating XXXX and FHA protections Additional Notes : I am autistic, and the conduct during these calls was distressing and dismissive of my XXXX status. 

The debt is currently being litigated in Missouri state court, and NCS has been notified of this multiple times.

I have attached emails, dispute letters, and a recording of the XX/XX/XXXX call to support this complaint. 

Requested Resolution : Immediate investigation into NCSs collection practices Suspension of all collection and credit reporting activity until validation is complete and litigation is resolved Written confirmation that this account will not be pursued further without proper documentation Review of XXXX/FHA compliance in handling disability-related disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I took out XXXX dollars from my ATM machine at my bank. But i never got the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year>, I placed a call for XXXX on XXXX on Robinhood. As soon as the market opened I was having issues selling my trade it wasnt giving me the option which caused the price to drop as it dropped dramatically within 3-4 minutes my profits were {$1800.00} to negative. I had to stay in as Im here for profits. At XXXX I noticed a significant gain from XXXX to XXXX then immediately to XXXX which caused me to sell on XX/XX/year> for a position that was showing a confirmed XXXX XXXX  {$1400.00} profit XXXX XXXX  as XXXX. The Robinhood app immediately entered sell status, locked in the execution price, and displayed the {$1400.00} profit as realized. Within minutes, I noticed the funds were * * not deposited * * into my account. Upon refresh, the trade had * * silently reverted * *, the profit disappeared, and my account balance reflected * * {$0.00} * * from the sale.

This is * * not the first time * * this has occurred. Robinhoods recurring system issues have previously caused confirmed sell orders to fail or revert after showing profit, costing me money on multiple occasions. Once a sell order reaches execution status and should display a locked-in price/profit, standard brokerage practice requires the trade to either execute at the quoted price or clearly cancel with notification not disappear without explanation. 

As a direct result of this glitch, I lost {$1400.00} in earned profit that was displayed and confirmed by the platform. 

I wouldve never sold if I was not in profit because clearly within 5 to 10 minutes and through the rest of the day XXXX hit its high of XXXX. I wouldve tripled my profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

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 explanation
Consumer complaint received 2025-10-28 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: CT

Complaint narrative:
Company : XXXX Issue : Inaccurate Credit Reporting / Failure to Issue 1099-C / Dispute Not Resolved Complaint : XXXX reported my account as a charge-off with a settlement flag, even though part of the debt was forgiven. They did not issue the required IRS Form 1099-C for the forgiven amount.

I previously disputed this account, but XXXX failed to resolve my dispute. Reporting the debt as settled without issuing the 1099-C is inaccurate under the Fair Credit Reporting Act ( FCRA ) and violates IRS reporting rules.

Resolution Requested : Correct or remove the inaccurate settlement flag from my credit report.

Issue the required 1099-C for the forgiven debt. 

Properly resolve my dispute in compliance with FCRA. 

I expect confirmation of receipt and a timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
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 explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
In XX/XX/XXXX, I financed a vehicle through XXXX XXXX. Since the purchase, I was never provided with any copies of the Retail Installment Contract, billing statements, or account disclosures. Despite repeated attempts to request documentation, the company failed to provide any written information or payment records.

In mid-XXXX, my vehicle was repossessed without receiving any Notice of Default or Right to Cure, which are required under my states consumer protection laws. After the repossession, I was also never given a Notice of Sale or a Deficiency Balance Notice as required under UCC 9-611 and 9-614. Because these notices were never issued, I was deprived of my legal right to redeem the vehicle or verify the claimed balance. 

The company is now reporting this account as a charge-off/derogatory on my credit reports, showing a balance of approximately {$14000.00} as of XX/XX/XXXX. This reporting is inaccurate and unverifiable, since the company has failed to provide supporting documentation or proof of the alleged balance. Reporting unverifiable or incomplete information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am requesting that the company provide full documentation of the loan agreement, payment history, repossession notices, and any sale or deficiency records, or remove this account entirely from all credit reporting agencies due to inaccurate and incomplete reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
In XX/XX/XXXX, I financed a vehicle through XXXX XXXX. Since the purchase, I was never provided with any copies of the XXXX XXXX XXXX, billing statements, or account disclosures. Despite repeated attempts to request documentation, the company failed to provide any written information or payment records. 

In XXXX, my vehicle was repossessed without receiving any Notice of Default or Right to Cure, which are required under my states consumer protection laws. After the repossession, I was also never given a Notice of Sale or a Deficiency Balance Notice as required under XXXX XXXX and XXXX. Because these notices were never issued, I was deprived of my legal right to redeem the vehicle or verify the claimed balance. 

The company is now reporting this account as a charge-off/derogatory on my credit reports, showing a balance of approximately {$14000.00} as of XX/XX/XXXX. This reporting is inaccurate and unverifiable, since the company has failed to provide supporting documentation or proof of the alleged balance. Reporting unverifiable or incomplete information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am requesting that the company provide full documentation of the loan agreement, payment history, repossession notices, and any sale or deficiency records, or remove this account entirely from all credit reporting agencies due to inaccurate and incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
XXXXExeter Finance LLC issued a Notice of Intent to Accelerate and threatened repossession while refusing to validate my debt. I sent a certified debt validation demand that Exeter received on XXXX (USPS Certified No. XXXX XXXX XXXX XXXX XXXX XXXX). Exeter then issued a Notice of Intent to Accelerate. I submitted a XXXX payment under protest on XXXX (Confirmation NoXXXX XXXX) to prevent repossession. Exeter has not provided validation, but proceeded with collection/acceleration threats. This is a violation of FDCPA  809(b) and FCRA  1681s-2, and state UDAP laws. I request a CFPB investigation, immediate suspension of acceleration/repo activity, written validation, and relief for damages and costs. Attached: acceleration letter, certified mail receipt, payment confirmation, prior validation letters.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 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

Company response to consumer: Closed with non-monetary relief