vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: CO

Complaint narrative:
I am filing this complaint because the credit XXXX  has failed to properly reinvestigate and correct inaccurate late payment reporting on my credit file, despite multiple written disputes. The XXXX  returned generic notices claiming the account was verified without providing any evidence, documentation, or actual investigation as required under FCRA 1681i. I was never provided verification from the furnisher, no corrected consumer file, and no explanation supporting continued publication of the inaccurate information. This failure to conduct a lawful reinvestigation continues to damage my credit, cause financial harm, and obstruct my ability to obtain fair credit opportunities. I am requesting CFPB enforcement because the XXXX  has shown a pattern of ignoring my disputes and refusing to comply with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps.

Account Details in Dispute : 1. XXXX  XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I reviewed my XXXX credit report dated XX/XX/year> and found multiple accounts reporting inaccurate, incomplete, or conflicting information. I disputed these items with XXXX, but the accounts remain without proper correction or verification. 

The following issues occurred : XXXX  continued reporting several charge-offs and collections without providing any method of verification after my disputes. 
Balances, status dates, and past-due amounts are inconsistent, and some accounts appear to have been re-aged, which is prohibited under the FCRA. 
Some accounts show conflicting dates of first delinquency, status update dates, and last payment dates, making the reporting unreliable. 
Several accounts continue to show negative information even after prior disputes, which means XXXX  did not conduct a reasonable reinvestigation. 
Some accounts were previously marked as disputed, yet XXXX  continued reporting them without resolving the inaccuracies. 

The accounts with issues include : XXXX ( charged-off, inconsistent dates, and unverifiable balance of {$2200.00} ) XXXX XXXX Bank ( {$3600.00}, conflicting dates and early charge-off reporting ) XXXX  XXXX Bank ( marked charged-off even though balance is {$0.00} and inconsistent status dates ) Navy Federal Credit Union ( multiple conflicting dates, past-due listed as {$28000.00}, and apparent re-aging ) XXXX XXXXXXXX Card ( inconsistent reporting across several years ) XXXX XXXX XXXX  ( collection account added in XXXX  with inconsistent date reporting ) XXXX XXXX ( two separate accounts with conflicting update dates and unverifiable balances of {$3000.00} and {$4000.00} ) XXXX XXXX ( collection account continued to report negative information after dispute ) I am asking the CFPB to require XXXX  and the data furnishers to properly verify each account with original documentation. If they can not verify all details accurately, the accounts should be removed as required under the FCRA. 

These inaccuracies are harming my credit, and the reporting companies have not corrected the errors despite disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Subject : Credit Card Account Closed Without Required Notice Violation of ECOA/FCRA I am filing a complaint because my credit card account with [ Credit Union Name ] was closed without any written notice, adverse action notice, or communication from the creditor. I only discovered the closure when I attempted to use the card in-store.

This is a violation of the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which requires creditors to send an adverse action notice when they close an account based on credit or income factors. I never received any letter, email, or written notification.

As a result of the unexpected closure, the account was reported to credit bureaus as closed by creditor, which has damaged my credit standing. I am currently experiencing temporary financial hardship due to issues related to my XXXX status, which has limited my ability to secure employment. I had no opportunity to request a hardship program or payment plan before the account was terminated.

Requested Resolution : 1. Require the credit union to provide the missing adverse action notice.

2. Correct the credit reporting and remove any negative or inaccurate information.

3. Reopen or reconsider reinstatement of my account.

4. Ensure compliance with ECOA and FCRA notification requirements.

Thank you for assisting with this matter.

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 2025-12-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau Consumer Complaint Division RE : Experian & XXXX XXXX XXXX  FCRA Violations I am filing a complaint against Experian and XXXX XXXX XXXX for violating the Fair Credit Reporting Act.

Violations : Failure to provide documentation of verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) Failure to conduct a reasonable reinvestigation ( FCRA 611 ( a ) ) Reporting inaccurate information ( FCRA 607 ( b ) ) Furnisher failure to investigate ( FCRA 623 ( a ) ( 8 ) ) Despite receiving my formal dispute, they continue to report inaccurate, unverified negative information.

I request CFPB intervention to require deletion or correction of all inaccurate reporting. 

Sincerely, 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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I reviewed my XXXX  credit report dated XX/XX/year> and found multiple accounts reporting inaccurate, incomplete, or conflicting information. I disputed these items with XXXX, but the accounts remain without proper correction or verification. 

The following issues occurred : XXXX  continued reporting several charge-offs and collections without providing any method of verification after my disputes.

Balances, status dates, and past-due amounts are inconsistent, and some accounts appear to have been re-aged, which is prohibited under the FCRA.

Some accounts show conflicting dates of first delinquency, status update dates, and last payment dates, making the reporting unreliable.

Several accounts continue to show negative information even after prior disputes, which means XXXX  did not conduct a reasonable reinvestigation. 
Some accounts were previously marked as disputed, yet XXXX  continued reporting them without resolving the inaccuracies. 

The accounts with issues include : XXXX ( charged-off, inconsistent dates, and unverifiable balance of {$2200.00} ) XXXX XXXX XXXX  ( {$3600.00}, conflicting dates and early charge-off reporting ) XXXX XXXX XXXX ( marked charged-off even though balance is {$0.00} and inconsistent status dates ) XXXX XXXX XXXX XXXX ( multiple conflicting dates, past-due listed as {$28000.00}, and apparent re-aging ) XXXX XXXX XXXX ( inconsistent reporting across several years ) XXXX XXXX XXXX  ( collection account added in XXXX  with inconsistent date reporting ) XXXX XXXX ( two separate accounts with conflicting update dates and unverifiable balances of {$3000.00} and {$4000.00} ) XXXX XXXX ( collection account continued to report ne

gative information after dispute ) I am asking the CFPB to require Experian and the data furnishers to properly verify each account with original documentation. If they can not verify all details accurately, the accounts should be removed as required under the FCRA. These inaccuracies are harming my credit, and the reporting companies have not corrected the errors despite disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  company : credit collection service Original creditor : XXXX XXXX XXXX. 
This complaint concerns an inaccurate and unverified collection account reported by a credit collection service. I have never had a policy account with the original creditor, XXXX XXXX XXXX. I believe, due to identity theft, that this is a serious reporting error by the collection agency. I am disputing the validity of this entire account, and its accuracy as reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
XXXX  company : credit collection service Original creditor : XXXX XXXX XXXX. 
This complaint concerns an inaccurate and unverified collection account reported by a credit collection service. I have never had a policy account with the original creditor, XXXX XXXX XXXX. I believe, due to identity theft, that this is a serious reporting error by the collection agency. I am disputing the validity of this entire account, and its accuracy as reported on my credit 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 explanation
Consumer complaint received 2025-12-01 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: NJ

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX 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.

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 2025-12-01 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: NJ

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I reviewed my XX/XX/XXXXcredit report dated XX/XX/year> and found multiple accounts reporting inaccurate, incomplete, or conflicting information. I disputed these items with XX/XX/XXXX, but the accounts remain without proper correction or verification. 

The following issues occurred : XX/XX/XXXXcontinued reporting several charge-offs and collections without providing any method of verification after my disputes. 
Balances, status dates, and past-due amounts are inconsistent, and some accounts appear to have been re-aged, which is prohibited under the FCRA. 
Some accounts show conflicting dates of first delinquency, status update dates, and last payment dates, making the reporting unreliable. 
Several accounts continue to show negative information even after prior disputes, which means XX/XX/XXXXdid not conduct a reasonable reinvestigation. 
Some accounts were previously marked as disputed, yet XX/XX/XXXXcontinued reporting them without resolving the inaccuracies. 

The accounts with issues include : XXXX ( charged-off, inconsistent dates, and unverifiable balance of {$2200.00} ) XXXX XXXX Bank ( {$3600.00}, conflicting dates and early charge-off reporting ) XX/XX/XXXXXXXX Bank ( marked charged-off even though balance is {$0.00} and inconsistent status dates ) XXXX XXXX XXXX XXXX ( multiple conflicting dates, past-due listed as {$28000.00}, and apparent re-aging ) XX/XX/XXXXXXXX Card ( inconsistent reporting across several years ) XX/XX/XXXX ( collection account added in XX/XX/XXXXwith inconsistent date reporting ) Portfolio Recovery ( two separate accounts with conflicting update dates and unverifiable balances of {$3000.00} and {$4000.00} ) XXXX XXXX ( collection account continued to report negative information after dispute ) I am asking the CFPB to require XX/XX/XXXXand the data furnishers to properly verify each account with original documentation. If they can not verify all details accurately, the accounts should be removed as required under the FCRA. 

These inaccuracies are harming my credit, and the reporting companies have not corrected the errors despite disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I am filing this complaint against PayPal for repeated negligence and contradictory dispute processing involving my XXXX and XXXX XXXX XXXX. PayPal verified and approved my account as a service-based, non-tangible merchant. PayPal also allotted me a formal dispute response window, which I fully honored and complied with. Within that window I submitted the following evidence for each dispute case : My official refund policy, stating clearly that XXXX and XXXX  XXXX  delivered are non-refundable. A signed disclosure agreement outlining the terms of service, confirming that buyers are informed that these healing services are not eligible for refunds. A disclosure agreement uploaded directly to my PayPal merchant profile, approved and accepted by PayPal. Chat confirmations, invoices, and session dates proving that services were delivered on multiple occasions throughout the month, and buyers acknowledged receipt. Written confirmation that disputes were mislabeled as Item Not Received, a category that applies only to tangible goodswhich were never part of these transactions. 

Even after accepting, approving, and hosting my non-refund business policies, PayPal permitted buyers to dispute my services under the wrong dispute category and reversed funds in violation of their own merchant classification obligations, causing financial loss and undermining Seller Protection during valid evidence review. 

PayPal refunded buyers despite my compliance and despite the policies PayPal approved and allowed me to upload, resulting in : Improper reversal of service-based transactions. Platform misclassification of disputes. Financial damages caused by PayPal contradicting its own approved merchant terms. Denial of fair dispute outcomes after evidence submission. Loss of earned income for services PayPal confirmed were intangible and non-refundable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-12-01 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: 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate information reported by XXXX XXXX XXXX on my credit report across all three major credit bureaus, including a reported 30-day late payment on my account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I opened on XX/XX/XXXX, with a balance of {$22000.00} and have consistently paid on time, including my most recent payment on XX/XX/XXXX ; despite providing clear evidence such as payment confirmations and bank statements, the credit bureaus have failed to correct the error, resulting in harm to my creditworthiness, and I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX and the credit bureaus investigate this matter in accordance with FCRA 1666, 1666a, 1681i, 623 ( a ) ( 2 ), and 623 ( b ), and promptly update my credit file to reflect the accurate status of my account.

Company response to consumer: Closed with non-monetary relief