vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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 because Experian failed to properly process my identity-theft dispute under FCRA 605B . My initial documentation consisted of a formal FBI XXXX Cybercrime Complaint because the federal government shutdown prevented me from filing an FTC Identity Theft Report. Experian should have treated the XXXX filing with the same urgency and weight as an FTC Report, but instead processed my dispute as a standard investigation, not a 605B identity-theft block. 

This CFPB submission is my escalation and includes my newly filed FTC Identity Theft Report, which I filed today because the FTC portal only recently became accessible after the shutdown. 

Even after receiving the XXXX filing, Experian did not block identity-theft-related items within four business days as required. Some accounts were updated, but none of the fraudulent inquiries were addressed at allnot by mail, not online, and not in the written results. 

Most importantly, Experian did not provide any Method of Verification for any item it marked verified, in violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

My personal information has been compromised in multiple large breaches XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Monitoring alerts confirm exposure of my SSN, email credentials, passwords, and debit-card information on the dark web. I have also lived with other adults who had access to my personal documents. As a result, unauthorized accounts, inquiries, and inaccurate addresses began appearing on my Experian file. 

Experians handling violates FCRA 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ) ( A ), and 605B, as well as Alabamas Deceptive Trade Practices Act ( Ala. Code 8-19-5 ).

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 2025-12-08 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act Milestone Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I want to make it absolutely clear that this complaint is valid and not the result of any misunderstanding. My credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are having a significant and ongoing negative impact on my life, and it is imperative that they be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NV

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-08 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
CNAC is reporting an account on my credit reports that is inaccurate, incomplete, and unverifiable. I disputed this information with both XXXX XXXX XXXX and neither bureau provided any reinvestigation results, documents, or explanation. CNAC also failed to provide any validation or documentation to confirm the accuracy or ownership of the alleged debt. 

This account continues to report a balance, derogatory status, and negative payment history without any supporting documentation. CNAC did not provide : A full itemized account ledger A copy of the signed contract Proof of ownership or assignment Payment history breakdown Verification documents used to confirm the debt This violates multiple federal laws, including : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing information that is inaccurate FCRA 623 ( b ) ( 1 ) ( A ) - ( D ) Requires a reasonable investigation after a dispute FCRA 607 ( b ) Duty to maintain maximum possible accuracy FCRA 611 ( a ) Dispute obligations not met by the bureaus or the furnisher FCRA 616617 Willful and negligent noncompliance FDCPA 809 ( b ) Failure to validate the alleged debt ( if CNAC is using a collector or servicing the debt ) CNAC is reporting this account without validating it, without providing documentation, and without complying with the FCRA. It is impossible to determine the true accuracy or validity of this debt based on the incomplete information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am filing a complaint against Kimball , Tirey & St. John LLP regarding an alleged debt they claim I owe in the amount of {$120000.00}. I requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). The collector responded, but their response did not satisfy the legal requirements for proper validation. 
They provided a moveout itemization and a copy of my lease ; however, they failed to supply : Receipts or invoices for cleaning, painting, or repairs Proof that the final bill was ever mailed or delivered to me in 2022 Documentation showing their legal authority or assignment to collect the alleged balance Additionally, the moveout statement they provided was unsigned, indicating it was never finalized or approved. These missing elements mean the debt remains unvalidated. 
I have disputed the debt with the credit bureaus and notified the collector that their documents were insufficient. They have not provided proper legal validation as required by the FDCPA. 
I am requesting the CFPB to investigate this matter and require the collector to either fully validate the debt or cease all collection and credit reporting. I also request the removal of this alleged debt from my credit reports until ( and unless ) proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5800.00} Balance updated XX/XX/XXXX dispute Account info Account name IQ DATA IXXXX Account number XXXX Account type Collection I am writing to dispute certain inquiries on my credit report that I believe were accessed without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( a ) ( 2 ).

Under this section of the FCRA, a consumer reporting agency may furnish a consumer report only with the consumers written instructions or authorization. I did not authorize the following company or anyone to purchase or make payments to company. I am unaware of who made this collection. Because I did not grant permission for this inquiry, it violates my rights under the FCRA. I am requesting that this unauthorized inquiry be removed immediately from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
I am filing this complaint because Equifax continues to report a XXXX  XXXX bankruptcy even though there is no lawful furnisher who can verify this record. Before submitting this complaint, I reviewed the official policies of the US Bankruptcy Court for the XXXX XXXX XXXX XXXX. The Court states it does not furnish information to credit reporting agencies, does not verify records for any bureau or vendor, and does not authenticate accuracy for any credit reporting purpose. These statements are posted publicly on the Courts own website. 

Because the XXXX refuses to verify or furnish bankruptcy data, no credit reporting agency has an authorized source capable of confirming any bankruptcy information. Despite this, Equifax still publishes the record and continues to mark it as verified. 

Equifaxs own disclosures confirm it obtains bankruptcy information from XXXX XXXX XXXX. XXXX is a private data aggregator and not a lawful furnisher under federal law. In written responses, XXXX admitted that its verification comes only from the PACER system. PACER is a public access system and it specifically states that it does not verify accuracy, identity, or authenticity of court filings. This means Equifax relies on a source that can not legally verify anything. 

Since the Bankruptcy XXXX does not verify, PACER can not verify, and XXXX is not a furnisher, the bankruptcy is legally unverifiable. Under the FCRA, unverifiable information must be deleted. Instead, Equifax continues to publish the record and continues to claim verification. 

Equifax is also reporting my XXXX or XXXX account as Included in Chapter XXXX even though this remark is inaccurate and entirely dependent on the same unverifiable bankruptcy record. This violates FCRA accuracy standards, reinvestigation requirements, Alabama consumer protection law, and federal education privacy laws including FERPA and HEA. The student loan account shows on time payment history and no delinquency pattern to justify the remark. It is only appearing because of the improperly reported bankruptcy. 

I have disputed these items previously. Equifax either refused to delete them, marked them verified, or provided no legally required explanation of verification. No lawful Method of Verification has ever been provided.

Equifaxs continued publication of an unverifiable bankruptcy and related student loan coding has caused material harm and violates both federal and Alabama state law. 

[ PROOF OF IDENTITY AND SUPPORTING DOCUMENTATION ATTACHED ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am submitting this follow-up regarding unresolved inaccuracies on my Equifax, Experian, and TransUnion credit reports, specifically the XXXX XXXX XXXX XXXX Balance Owed : {$160.00} Late 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX-tied up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX tied up. Despite my prior dispute submissions, these accounts remain inaccurately reported and have not been properly verified. Under FCRA 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), the credit reporting agencies are required to conduct a reasonable and documented reinvestigation, verify all disputed information with the original furnishers, and ensure maximum possible 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I purchased an XXXX XXXX for approximately {$500.00}, expecting to receive the {$200.00} XXXX credit advertised as a benefit on my American Express card. I completed the purchase using XXXX, a widely used and commonly supported payment method. 

At no point during the purchase or benefit review process did American Express clearly or prominently disclose that using XXXX would make the transaction ineligible for the XXXX credit. This restriction was hidden, not reasonably accessible, and not communicated in any meaningful or conspicuous way before the transaction. I only learned of this exclusion after the credit failed to post and I contacted American Express. 

This lack of disclosure is misleading and deceptive, as a reasonable consumer would expect that a purchase directly from XXXX of payment processorwould qualify for the advertised benefit. American Express markets the {$200.00} XXXX credit as a major card benefit but fails to disclose a material limitation that directly prevents consumers from receiving it. This is an example of unfair and deceptive marketing practices that has caused financial harm, confusion, and unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
accounts have been closed and resold to other agencies to try and collect the debt that has been closed or charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
A credit card account was opened in my name when I was XXXX XXXX XXXX. A minor can not legally enter into a binding credit contract. Because the account was not legally valid, all reporting related to this account is inaccurate. 

Despite this, the account appears on my credit report with late payments/negative marks and has significantly damaged my credit. 

I am requesting : Removal of this account from all credit bureaus Correction of all negative marks Written confirmation that the account has been voided due to minor status I have provided documentation showing my age at the time the account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of my closed XXXX XXXX account on my Equifax credit report. Equifax is reporting 3 late payments. However, XXXX  reports 0 late payments, and XXXX  reports 2 late payments, including a XXXX late that I do not recognize. 

The payment history across the three bureaus does not match, which indicates that the data being furnished is not accurate, complete, or verifiable. Equifax is reporting late payments that can not be verified and do not align with the other credit bureaus records. 

The account is closed, yet the payment history remains inconsistent and misleading. Under the FCRA, Equifax is required to report information that is accurate and verifiable. Because the late payments can not be confirmed with consistent and accurate documentation, they should not be reported. 

I previously requested verification, and the information was not corrected or supported with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi Chase Bank Executive Office, On XX/XX/XXXX, I wired {$78000.00} USD from XXXX XXXX  to Chase Bank with wrong wire instructions ( Scammer hacked into lawyer 's account ), so I recalled this wire on the same day XX/XX/XXXX with XXXX XXXX  and also contact your bank as well for this issue. For your reference, this wire transaction UETR # : XXXX. 

I contacted Chase Executive Office and wire department, they told me due to name mismatched with account number, they already bounce back this wire transfer on the next day XX/XX/XXXX, here is the wire return federal reference number Chase wire department supervisor shared with me : XXXX. However, when I reached back to XXXX  wire department they told me they never received this fund. And it's already delayed more than a week for this wire bounce back / wire return. 

Please perform wire trace for this wire return federal reference number : XXXX, please perform any necessary steps and return back my {$78000.00} fund from Chase Bank to XXXX XXXX so that XXXX XXXX  will credit {$78000.00} to my checking account. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this follow-up regarding unresolved inaccuracies on my Equifax, TransUnion, and Experian credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$200000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance $ XXXX up. Despite my prior dispute submission, these accounts remain inaccurately reported and inconsistent with my verified payment history. Under FCRA 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), I request that each item be fully reinvestigated with the original furnishers, verified with documented evidence, and corrected or updated if verification can not be provided.

Company response to consumer: Closed with non-monetary relief