vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
I respectfully request that you kindly review the following accounts that appear to be reported inaccurately or incompletely. I ask that you investigate the information listed below and correct any discrepancies found. 

Disputed Accounts : Charged Off Accounts : XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$840.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$14000.00} SANTANDER - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Late Payments : XXXX - Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: ID

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-10-31 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-31 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: FL

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 2025-10-31 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: AL

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a proper reinvestigation and for continuing to report inaccurate collection accounts. 

In XXXX and XX/XX/year>, I disputed XXXX accounts ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). XXXX results claimed these items were verified, yet no verification documents or explanations of the verification method were provided. 

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), Experian is required to provide a full explanation of how the information was verified and with whom. They have failed to do so, and the accounts remain on my file despite lack of validation. 

I am requesting that Experian remove these collection accounts from my credit report and be investigated for non-compliance with the FCRAs reinvestigation and consumer-notification provisions. Supporting evidence ( letters, tracking numbers, dispute results ) can be uploaded upon request. 

Since then, I have been sued by XXXX XXXX, in which I countersued, due to lack of evidence, we had to settle and as per our settlement, they have to remove the inaccurate reporting account within 30 days from XX/XX/year>. 

Since then, I have been sued by XXXX XXXX, in which I countersued, due to lack of evidence, we had to settle and as per our settlement, they have to remove the inaccurate reporting account within 30 days from XX/XX/year>.

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 2025-10-31 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-31 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by Portfolio Recovery Associates. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. Portfolio Recovery Associates can not lawfully continue reporting or collecting without proper validation.

I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and C. The date the account was acquired by or assigned to Portfolio Recovery Associates .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Offer : Chase Business Complete Checking {$500.00} bonus for depositing {$10000.00}, maintaining 60 days, and completing 5 qualifying transactions within 90 days ; payout within 15 days after completion. 

- Actions and dates : - XX/XX/year> : Two ACH credits posted to fund the account. 
- XX/XX/year> : Two Chase QuickDeposit check deposits posted. 
- XX/XX/year> : One debit card purchase posted. 
- Balance maintained {$10000.00} thereafter. 
- XX/XX/year> : All five qualifying transactions completed within 90 days of enrollment. 
- XX/XX/year> : 17 days passed without bonus credit XXXX XXXX XXXX XXXX says within 15 days ). 

- Company responses : - Two Chase agents previously confirmed I had met all requirements.

- An escalation officer later denied the bonus, asserting only 3 transactions count and that the 5 qualifying transactions must occur after the {$10000.00} funding threshold. 
- After thorough review, the XXXX XXXX XXXX does not say the 5 qualifying transactions must occur after the {$10000.00} is depositedonly within 90 days of offer enrollment. The XXXX & XXXX defines which transactions qualify and which dont, but not any ordering/sequence rule. So the last agents claim about timing after the {$10000.00} threshold is not supported by the XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Colony Brands, Inc.
State: TX

Complaint narrative:
GINNYS INC Inaccurate Information : Reported as Charged Off and Closed by XXXX inconsistently ; no activity history provided. 
Violations : FCRA 607 ( b ) Inaccurate reporting.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of ownership.

Violations : 4

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Charged Off Accounts : XXXX  XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1100.00}. Please verify and update this account. 

XXXX  XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1400.00}. Please verify and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$100.00}. Please verify and update the status of this 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by Synerprise Consulting Services. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. Synerprise Consulting Services can not lawfully continue reporting or collecting without proper validation.

I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and C. The date the account was acquired by or assigned to Synerprise Consulting Services .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I made my payments on my XXXX plan for XX/XX/year> through XX/XX/year> to Mohela XXXX. Then in XXXX Mohela put me in administrative forbearance. Suddenly my payments from XXXX to XXXX, which had said they would account towards forgiveness as soon as I submitted my employment certification, were now showing that I had been in forbearances and had not paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$430.00} Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$400.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$2300.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Date opened XX/XX/XXXX Balance {$47000.00} Account name XXXX XXXX Account number XXXX Account type Cell Phone Date opened XX/XX/XXXX Balance {$350.00} Account name XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution 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 non-monetary relief
Consumer complaint received 2025-10-31 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: OH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-31 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: LA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under XXXX U.S.C. XXXX, and I will not tolerate these illegal actions. 

Violation of XXXX U.S.C. XXXX, Section XXXX ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of XXXX U.S.C. XXXX, Section XXXX ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of XXXX U.S.C. XXXX ( a ) ( XXXX ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of XXXX U.S.C. XXXX ( A ) ( XXXX ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX ( Account : XXXX XXXX XXXX XXXX XXXX XXXX Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

BANKRUPTCY ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$0.00} is inaccurate. Please investigate and provide the correct entry for this 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 2025-10-31 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: MD

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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