vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: VT

Complaint narrative:
I am filing this complaint against Experian and multiple furnishers for repeated, willful, and systemic violations of FCRA, FDCPA, TILA, and the Consumer Financial Protection Act ( CFPA ). 

Since early XXXX, I have disputed numerous inaccurate and unverified accounts. Experians responses are nearly identical each time generic verified, updated, or remains results generated through automated processing ( e-OSCAR ) without any human reinvestigation or review of evidence. This lazy dispute practice fails to meet the reasonable reinvestigation standard required by FCRA 611 ( a ) ( 1 ) ( A ). 

Despite multiple written disputes and validation requests, none of the furnishers have provided signed contracts, payment histories, or proof of ownership. Experian continues to accept these automated responses and update my report without confirming accuracy. 

Accounts involved include : XXXX XXXX XXXX XXXX : Wrongful repossession, sale of third-party property, refusal to produce repo order or accounting. 

XXXX XXXX XXXX : No validation ; continues reporting post-dispute. 

XXXX XXXX : Remains without proof. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Duplicate reporting, no assignment proof. 

XXXX XXXX XXXX XXXX XXXX : Unverified collection tradeline. 

XXXX XXXX XXXX XXXX : Inaccurate charge-off, no response to validation request. 

XXXX  / XXXX XXXX  XXXX : Continues reporting after dispute, no documentation. 


Experians most recent dispute results ( Report # XXXX, dated XX/XX/year> ) again show Remains for XXXX and Updated for Upstart proof that Experian is auto-verifying data without verifying evidence. 


-- - Federal Violations Cited FCRA 602 ( A ) Right to accurate and fair reporting FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 ( a ) ( 1 ) - ( 2 ) Right to disclosure of information and sources FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable reinvestigation FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification FCRA 623 ( a ) ( 1 ) ( A ) - ( a ) ( 3 ) Furnishing information known to be inaccurate FCRA 616617 Civil liability for negligent/willful non-compliance FDCPA 807 ( 8 ), 809 ( b ) Continuing to report disputed debts without validation CFPA 10311036 ( 12 U.S.C. 55315536 ) Unfair, deceptive, or abusive acts or practices TILA 131 & 1638 Failure to provide accurate account disclosures

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 2025-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
I have reported that I had full coverage medical from XXXX at that time. I can't get a report other than they saying that they deny my dispute. It is still on my credit report and I can't get it erased because they pass it to another debt collector. Because of it I can not get help building credit. It's from the emergency room.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Applied for a Capital One Savor Card through an advertisement about the bonus offers for signup and spend threshold. Since I got approved for a XXXX card, assumed it was for the one advertised. However, Capital One intentionally made XXXX similar looking cards, XXXX without the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I am invoking my rights under the following provisions : 15 U.S.C. 1681i : You are required to reinvestigate disputed information and delete or correct any inaccurate, incomplete, or unverifiable data within XXXX  days.

15 U.S.C. 1681a ( 3 ) : Defines who may legally access and report my credit information ; any entity reporting or accessing my data without proper purpose may be in violation. 
15 U.S.C. 6802 of the XXXX XXXX : Establishes obligations on how financial institutions lshare and protect my personal financial information, which appears to have been mishandled in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
On XX/XX/year>, my XXXX XXXX Store Card, issued by XXXX XXXX, was mishandled in a way that caused significant and unnecessary harm to my credit. 

XXXX XXXX  closed my account twice without prior notice or valid explanation, which resulted in a XXXX drop in my credit score. In addition, they incorrectly reported my account as XXXX  days late, even though I was never contacted by phone, mail, or email regarding any missed payment or issue before the reporting occurred. 

When I reached out to XXXX XXXX  customer service, they admitted this was an error and acknowledged that the delinquency should not have been reported. The representative confirmed that the mistake was on their end and that a goodwill adjustment letter was being submitted to the credit bureaus to correct the reporting. 

While I appreciate their admission and willingness to issue a goodwill correction, I am submitting this complaint to ensure XXXX XXXX  and XXXX XXXX Store Card follow through completely with their retraction and that my credit reports are properly corrected. Past experiences with similar issues have shown that promised updates are not always carried out promptly or accurately, and I want to ensure this is resolved fully and permanently. 

My address for identification and correspondence is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-10-22 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: LA

Complaint narrative:
I am submitting this complaint because several accounts are being reported on my credit reports that are not mine, unverified, or opened fraudulently. I have disputed these accounts multiple times with Equifax, Experian, and TransUnion, requesting verification and copies of the original signed contracts that would prove liability. 

Despite my repeated requests, the bureaus have failed to properly investigate or remove the unverifiable accounts. They continue to report these items even though they can not be verified as accurate or belonging to me. This is a clear violation of the Fair Credit Reporting Act ( FCRA 602, 607, and 611 ) and the Fair Debt Collection Practices Act ( FDCPA 807 and 809 ).

The credit bureaus failure to conduct a lawful reinvestigation and their continued reporting of inaccurate data have harmed my creditworthiness and caused financial hardship. I am requesting that the CFPB compel these bureaus to : 1. Remove all unverifiable or fraudulent accounts from my credit reports, 2. Provide proof of verification if any account is to remain, and 3. Ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: LA

Complaint narrative:
I am submitting this complaint because several accounts are being reported on my credit reports that are not mine, unverified, or opened fraudulently. I have disputed these accounts multiple times with Equifax, Experian, and TransUnion, requesting verification and copies of the original signed contracts that would prove liability. 

Despite my repeated requests, the bureaus have failed to properly investigate or remove the unverifiable accounts. They continue to report these items even though they can not be verified as accurate or belonging to me. This is a clear violation of the Fair Credit Reporting Act ( FCRA 602, 607, and 611 ) and the Fair Debt Collection Practices Act ( FDCPA 807 and 809 ).

The credit bureaus failure to conduct a lawful reinvestigation and their continued reporting of inaccurate data have harmed my creditworthiness and caused financial hardship. I am requesting that the CFPB compel these bureaus to : 1. Remove all unverifiable or fraudulent accounts from my credit reports, 2. Provide proof of verification if any account is to remain, and 3. Ensure compliance with federal consumer protection laws.

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 2025-10-22 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I disputed a {$200.00} charge on my PayPal Credit account ( managed by Synchrony Bank ). I provided full documentation, including proof of payment from my XXXX XXXX  account, and mailed it to their dispute department. 

Despite that, Synchrony Bank closed the claim stating they could not locate any payment and reversed the temporary {$200.00} credit that had been placed on my account. Their letter specifically referenced {$200.00}, but my PayPal Credit balance now shows {$500.00} due, which does not match what they told me in writing. 

Additionally, my PayPal account was banned or restricted immediately after the payment issue occurred, even though the payment was valid and the dispute should have protected me from negative action. Ive also recorded a short video of my XXXX XXXX  transaction history showing that the payment was deducted and never refunded I provided this video in the attachments. Yet the account remains blocked and my balance was increased instead of corrected. 

I later found an email from Synchrony Bank ( PayPal Credit XXXX dated XX/XX/year>, stating Your payment was returned. However, I never received that refund back into my bank account. XXXX XXXX XXXX  transaction history shows that the funds were withdrawn but never re-deposited. This confirms there was an error on Synchronys end, the payment left my bank but was not properly applied or refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # ; XXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Information Dear, CFPB I am writing to dispute the following inaccurate items on my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). The items are inaccurate and should be corrected or deleted. 

XXXX. XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX The Date of First Delinquency ( DOFD ) is inconsistently reported. TransUnion shows the first XXXX late in XX/XX/XXXX, but XXXX  shows DOFD as XX/XX/XXXX. This inconsistency affects the XXXX reporting period. Please correct the DOFD to reflect the accurate date and ensure it is consistent across bureaus. 

XXXX. XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  : The DOFD is inconsistently reported. TransUnion shows the first XXXX late in XX/XX/XXXX, while Equifax shows DOFD as XX/XX/XXXX. This error impacts the reporting timeline. Please investigate and correct the DOFD. 

XXXX. XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX : The account is reported with a dispute notation on TransUnion but not on Experian. This indicates a failure by the furnisher to include the dispute notation on all reports, as required by FCRA 1681s-2 ( a ) ( 3 ). Please ensure the dispute notation is added or investigate the furnisher 's compliance. 

XXXX. XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Similar to the above, the dispute notation is present on TransUnion but missing on Experian. This inconsistency suggests furnisher non-compliance. Please correct this by adding the dispute notation or deleting the item if unverifiable. 

XXXX. XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX : The Original Creditor is listed as XXXX XXXX  ' on TransUnion but is missing on Experian. The absence of this information hinders my ability to validate the debt. Please ensure the original creditor is accurately reported or delete the item. 

XXXX. XXXX XXXX, Account # XXXX * * * * : The DOFD is reported as XX/XX/XXXX, on Equifax but is missing on Experian. This omission affects the accuracy of the reporting period. Please add the DOFD or delete the item if it can not be verified. 

XXXX. XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  : While the balance is consistent, the payment history and past due amounts show variations across bureaus, indicating potential inaccuracies in furnisher reporting. Please investigate and correct any discrepancies in the payment history and status. 

I request that you conduct a reasonable investigation into these items and correct or delete them as necessary. Please provide me with the results of your investigation and an updated credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false. Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617. Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX CRED XXXX XXXXXXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$960.00} XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  AUTO FIN XX/XX/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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am requesting validation of a reported debt in the amount of {$150000.00} allegedly owed to XXXX XXXX XXXXXXXX XXXX ( original creditor ). 

During the time in question, I was stationed in XXXX, XXXX, and residing at the XXXX XXXX  XXXX XXXX apartments during the XXXX pandemic. I was enrolled in a rental assistance program that covered my housing expenses directly to the property management. To my knowledge, my rent was fully paid and current throughout my stay. 

When I moved out, there were no issues, outstanding balances, or fees communicated to me by the leasing office or management. Approximately XXXX year later, while applying for a new apartment, I discovered that a {$15000.00} balance had been reported to my credit as owed to XXXXXXXX XXXX XXXXXXXX XXXX. 

When I attempted to contact the original management to resolve or verify this matter, I learned that the property was no longer managed by the same LLC, and I was unable to obtain any billing records, account details, or documentation supporting this debt. 

I am formally disputing the accuracy and validity of this alleged debt and requesting the following under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : Verification that the debt is valid and owed by me ; An itemized statement showing how the balance of {$15000.00} was calculated ; Documentation of payments made through the rental assistance program ; Proof that the current collector or reporting agency has legal authorization to collect or report this debt. 

Until this validation is provided, I request that all collection and credit reporting activity on this account be suspended or marked as disputed in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXXXXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Police report showing robbery and XXXX assault and what was stolen was sent. My Id, ssn, and a piece of mail with my current address as well via certified notarized mail. I ask once again for the following changes to be made asap so as to keep fraud off my report. I asked for the companies ( besides electronic and Editable PDFs showing nothing but transactions ) to provide me with anything that shows these accounts were not associated with fraud and they even sent in letters saying they agree due to no first payment, large random transactions and no connection to my address just email they closed the accounts. BUT its up to you guys to remove them and keep them off so why havent you and what laws specifically for each account is backing you? I would like to motion to take you to court and its your duty to advise next steps to do so OR give me a wet signature contract between me and all companies, line by line MATCHING transaction history, exact open and close dates on accounts and you guys havent. Its inconsistent between all XXXX reporting agencies even the amount owed is wrong After several updates form you guys. And as for the collection I want electronic verification dated proof that any type of letter was sent to my current address and any kind of wet signature and or ID was presented when the original account was opened and proof of what they paid for the account and why they are demanding me to cover the cost. Its been XXXX  days Im trying to buy a home and actually use MY CREDIT and due to fraud I cant. This is causing me homelessness, job loss due to not being able to get a car, and distress and you guys have shown no legal backed proof that anything was actually verified and validated how, by who, and when for XXXX accounts. Is that not your job? I filed a complaint with the attorney general and I see you guys are already in and out of class action lawsuits for taking complaints lightly.

Company response to consumer: Closed with non-monetary relief