vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: MS

Complaint narrative:
My credit report shows a charge-off that I have disputed multiple times. Each time, the credit bureau marked it verified without providing any documentation or proof. This violates my rights under the FCRA ( 1681i ) because they are not conducting a real reinvestigation. I want the CFPB to require the bureau to delete this account unless they can produce original, verifiable documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXX XXXX XXXX XXXX Amount : {$25000.00} Date XXXX XXXX ) XXXX Amount : {$7300.00} Date XXXX XXXX ) XXXX  Amount : {$8100.00} Date XXXX XXXX ) XXXX Amount : {$19000.00} Date XXXX XXXX ) XXXX Amount : {$16000.00} Date XXXX XXXX ) XXXX Amount : {$2900.00} Date XXXX XXXX ) XXXX Amount : {$10000.00} Date XXXX XXXX ) XXXX  Amount : {$7700.00} Date XXXX XXXX ) XXXX Amount : {$6400.00} Date XXXX XXXX ) XXXX  Amount : {$15000.00} Date XXXX XXXX ) XXXX XXXXXXXX Date 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 2025-11-17 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: NC

Complaint narrative:
I disputed multiple inaccurate and unverifiable accounts with Equifax and they responded by marking them updated or verified without providing any documentation or evidence of verification. They did not provide a Method of Verification as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). After two dispute cycles, Equifax is legally required to delete unverifiable information under 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Issue : I paid my Target RedCard credit card balance in full on XX/XX/year>. Since that date, I have not been able to use my card. Every attempted transaction is declined, despite the account showing a zero balance and the payment having cleared my bank. 

Timeline of events : XX/XX/XXXX : I paid the card off in full. 
The funds were withdrawn from my bank account and confirmed as cleared. 
I contacted Target RedCard/TD Bank three or four times for assistance. 
I was repeatedly told that because I made two full payments within one billing cycle, my account would remain restricted until XX/XX/year>. 
On XX/XX/XXXX, I attempted to use the card again, and it was still declined. The restriction has not been lifted as promised. 

Attempts to resolve : Customer service acknowledged that the payment cleared, and at one point requested to speak to my bank while I was on the line. However, my bank required identity verification questions that I was not comfortable answering with a third party listening, so we could not proceed that way. I was told this would not be a problem and that access would automatically be restored by XX/XX/XXXX, which did not happen. 

Despite multiple calls, I have not received a clear explanation of : why the account remains restricted, the legal basis for holding my available credit after payment cleared, or when my ability to use the card will be restored. 

Impact : It has now been nearly a month since I paid the account in full, and I still can not use the card as agreed. This has caused financial inconvenience and denied me access to credit I have already paid for. 
Requested Resolution : I am requesting that TD Bank/Target RedCard : 1. Restore full access to my available credit immediately, 2. Provide written explanation of the reason and duration of the hold, 3. Ensure no fees or interest are charged for this period, and 4. Confirm no negative credit reporting occurs related to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
XXXX XXXX XXXX requested on line. i never registered the account or went to facility. i then cancelled on line. before the one click law was rescinded, i received email from them about the cancellation. they continued to call and collect, i called them no answer. i wrote letter, no answer. i sent second correspondence certified mail to address on the internet, letter returned the office is closed. i tried to contact them to ask them to honor the cancellation. but have now sent to attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: DE

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: DE

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TN

Complaint narrative:
VANCE amp HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE amp HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX NY in XXXX XXXX I paid my XXXX  as instructed by the clerk at the counter. After paying my copay, I was told by the attending physician that I needed an XXXX. Their XXXX XXXX XXXX showed up a few minutes later and took the XXXX in that same office. 

Fast forward to this weekend, and I received a use voicemail from XXXX telling me that I had an account balance- and that since I didnt answer the phone, it was being sent to collections. I never received an email, letter, or phone call about this supposed debt. I still have never seen a bill to this day for this service. When I called to settle this on the phone, the wellnow rep told that it was already sent to collections, despite me never being informed that I had a balance due. The balance due is XXXX  XXXX and I gladly would have paid this like any other bill if wellnow had showed any level of competence and billed me somehow. They refuse to take payment now and say that I am in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AR

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: NE

Complaint narrative:
I have not received any merchandise from the XXXX order associated with this lease. 

Summary of Issue & Timeline I have been trying to resolve a persistent " Payment Revision Needed '' error from XXXX since XX/XX/year>. Despite multiple assurances from Acima agents that the payment would go through, the error persisted, and no items were ever shipped or delivered. 

Initial Payment : I successfully paid the initial amount of {$52.00} ( including taxes ) using my XXXX XXXX card. 

Item Clarification : I spoke with multiple agents, who eventually confirmed that only the XXXX XXXX was approved, not the XXXX XXXX. The lease amount was adjusted in the app ( see table below ). 

Lease Details Log : XX/XX/year> - Monthly Payment ( {$100.00} ) - Early buyout option ( {$370.00} ) XX/XX/year> - Monthly Payment ( {$54.00} ) - Early buyout option ( {$140.00} ) Cancellation : On XX/XX/year>, after speaking with a male agent, I elected to cancel the lease due to the ongoing payment error and non-receipt of the item. This agent assured me the cancellation would be processed by Thursday, XX/XX/year>, and I would receive a refund of {$52.00}. 

Request for Resolution Despite the cancellation request and the fact that I have not received the leased merchandise, the issue remains unresolved. I had a frustrating call today with an agent who hung up on me when I inquired about the pending refund. 

9 days after the cancellation request email was sent ( today ), agents persist that I need to pay $ XXXX ( if I recall correctly, around {$140.00} ) for my Acima lease or account to be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I filed a dispute with the bureau for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming my disputes are coming from a XXXX party. When in actuality they are not coming from a XXXX party. They are coming from me! I even called the bureau to verify it was me and they still refused to process my disputes. I've not only wasted my time, but I've also wasted my money on mailing in my disputes. I also sent in my personal information through the mail just for them not to thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Ive disputed this previously with no communication from debt collector. I am unfamiliar with this debt and and would like it removed from my credit report IMMEDIATELY, as it has been hindering me financial for years. Thank you for your efforts in investigating this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MS

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unity Asset Management
State: FL

Complaint narrative:
Unity Asset Management has been repeatedly calling my phone multiple times a day and leaving intimidating voicemails pressuring me to voluntarily pay. In addition, they have contacted both family and non-family individuals and disclosed that they are a debt collector, which I believe is a serious violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Details : Unity Asset Management calls me several times a day, sometimes back-to-back. 
Voicemails use threatening or coercive language such as telling me I must voluntarily pay, implying negative consequences if I do not immediately respond. 
They have not provided proper written validation of the debt or informed me of my rights under the FDCPA. 
They contacted family members and non-family individuals, telling them they were a debt collector trying to reach me. 
This is a clear violation of the FDCPAs third-party contact rules, which state that a debt collector can not disclose debt-related information to anyone except the consumer, their attorney, or specific allowed parties. 
I did not authorize any communication with third parties. 
The repeated calls, disclosures, and pressure to pay without validation feel harassing, deceptive, and unlawful. 

What I Am Requesting from the CFPB : Investigate Unity Asset Management for potential FDCPA violations, including : Harassment through repeated calls Use of threatening or coercive language Failure to provide required written debt validation Illegal disclosure of debt information to third parties Require them to stop calling me and stop contacting any third parties. 
Require them to communicate only in writing and provide full, proper validation of any alleged debt. 
Ensure they correct their collection practices to comply with federal law. 

Impact on Me : Their repeated calls, threatening voicemails, and unlawful disclosure of my alleged debt to both family and non-family contacts have caused significant stress, embarrassment, and anxiety. I do not feel safe communicating with them by phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation