vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Dear Department of Education ( NelNet ) I am writing to request validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act, I have the right to request verification of this debt. Please provide me with the following information : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A copy of the original contract or agreement that created the debt. 
Any judgment details, if applicable. 
Please send this information to my address listed above. Until I receive this validation, I request that you cease all collection activities. 
Thank you for your attention to this matter. 


Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting this complaint to dispute unauthorized credit inquiries that appear on my Experian report. Instead of mailing the dispute separately, I have attached my dispute letter directly to this CFPB complaint to make sure it is received and processed. The inquiries I am challenging are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want to be sure that [ Credit Bureau Name ] reviews my dispute properly and provides a timely response. I trust that the CFPB will forward this submission and its contents to the credit bureau as part of their standard complaint process.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am formally disputing the accuracy and completeness of several items listed in my credit report dated XX/XX/year>, as provided by IdentityIQ. Please investigate each item below and delete or correct any data that can not be fully verified as accurate and complete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : 150 Days Late / Past Due {$910.00} Violation : Reported late for multiple consecutive months despite ongoing dispute and conflicting dates across bureaus. 
Requested Action : Delete or correct the late-payment history and verify the actual payment records per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : 30 Days Late/ {$20.00} Past Due Violation : No supporting proof of delinquency. Payment records show activity inconsistent with late status. 
Requested Action : Remove the XXXX late notation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lates ( 2025 ) Violation : Payment timing disputed; dates inconsistent across bureaus. 
Requested Action : Correct to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Late 120 Days Violation : Closed in good standing yet still marked derogatory. 
Requested Action : Remove 120 Days Late status. Closed accounts can not simultaneously report as late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} Violation : Contradictory reporting ( consumer disputed and meets FCRA requirements ) without supporting verification. 
Requested Action : Delete for unverifiable accuracy per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge-Off, {$5700.00} Violation : No evidence of verified balance or 1099-C issuance ; report may be inaccurate or incomplete under Metro 2 standards.

Requested Action : Remove or verify with supporting documentation ( proof of chargeoff and date of first delinquency ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : XXXX, {$450.00} Violation : Data conflicts across bureaus ; incomplete verification process previously marked resolved. 
Requested Action : Reinvestigate and delete if the furnisher can not produce full 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 non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I initiated a mail a check for {$830.00} to my landlord. A few weeks later, around XX/XX/XXXX, I got a call from the property manager that they had not received my rent for XXXX. I told him that my bank had already sent it. So, I contacted the bank to see what was going on. After they investigated, it was found that the check was never officially processed and sent. Therefore, this caused a delay in my rent being paid. They told me they would process it and send it to my landlord and that it would take about 2 days. I let the property manager know this. About 5 days later, I got another call that the check was still not received. I proceeded to contact the bank again, only to be told that it appeared the check might have been lost in the mail. So, the then tells me that they will cancel the check and it will take 1-3 days to have the money back. I wait and see that nothing has been credited back to me. I contacted the bank for the third time, just to be told that the check was never officially cancelled. So, this agent cancels it. It is now XX/XX/XXXX, the check has been cancelled, and should arrive in my account in 1-3 days. Forward to today, XX/XX/XXXX, and it has been 3 days, and still no funds in my account. All day I have been told that the money will be in my account. It is XXXXXXXX XXXX EST, and still no money in my account.

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: FL

Complaint narrative:
I am writing to dispute inaccurate information on my Experian credit report under the Fair Credit Reporting Act ( FCRA ). The item listed below is being reported inaccurately and must be reinvestigated for accuracy and completeness. 
Account in Question : Creditor : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Issue : 30-day late payment reported for XX/XX/year> Dispute Basis : This late payment is not accurate or verifiable. Both XXXX  and XXXX  show this account as current during the same period, which means your data is inconsistent and violates FCRA standards of accuracy. 
Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy in all information reported. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed information within 30 days.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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: Experian Information Solutions Inc.
State: FL

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

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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 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 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 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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In XX/XX/year>, I noticed that LVNV Funding LLC / Resurgent Capital Services reported an alleged debt on my credit report that I do not recognize. I sent a debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, asking for proof of ownership and an itemized accounting of the debt, including the original signed contract, complete chain of assignment, and verification that they are authorized to collect. The company responded with a generic statement summary, which did not include the requested documentation or proper proof of validation. I followed up in writing to inform them that their response did not satisfy FDCPA requirements and requested that they cease collection activity and stop reporting to credit bureaus until proper validation is provided. Despite this, they have continued to report the alleged debt. I am requesting that this account be fully investigated and that the collector be required to provide complete validation or remove the account from my credit report.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: CA

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 : 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 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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Mercury Financial Intermediate LLC
State: RI

Complaint narrative:
Mercury Bank denied my dispute for XXXX XXXX XXXX charges ( {$490.00} and {$490.00} ) solely on the basis of being out of time. However, my dispute was not filed under Regulation E for unauthorized use. It is a merchant misconduct dispute.

Before these transactions took place, I requested to self-exclude and permanently close my account with XXXX XXXX XXXX XXXX vulnerability and harm. I have written documentation showing that I asked to be self-excluded on XX/XX/XXXX and XX/XX/XXXX. The merchant acknowledged my request, but they did not process the self-exclusion and did not close my account. 

Instead, after acknowledging my self-exclusion request, the merchant continued to send promotional gambling incentives to encourage me to return and deposit more money. These solicitations directly induced the disputed transactions that occurred on XX/XX/XXXX. 

This is merchant misrepresentation, failure to honor responsible gaming obligations, and unfair deceptive conduct. These disputes should have been evaluated under XXXX Chargeback Reason Code XXXX ( Misrepresentation ), which does not have the XXXX timing limitation of Regulation XXXX. 

Mercury Bank did not evaluate any of the evidence regarding the self-exclusion request or the continued promotional solicitation after that request. The investigation was incomplete because it applied the wrong dispute category. 

I am requesting that Mercury Bank : 1. Re-open the dispute, 2. Reclassify it under Reason Code 13.5 ( Merchant Misrepresentation ), 3. Conduct a complete and proper investigation.

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: NC

Complaint narrative:
I am a victim of identity theft, someone has stolen my information and opened up several cell phone or internet accounts, credit cards car loan etc

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft, someone has stolen my information and opened up several cell phone or internet accounts, credit cards car loan etc

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
XX/XX/year> {$5400.00} XXXX is asking for immediate payment, which does not exist

Company response to consumer: Closed with explanation