vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After thoroughly reviewing my credit report, I have found multiple late payment entries that are incorrect and unjustified. Despite my repeated efforts to resolve this directly with the creditor, they have failed to respond or correct these errors.

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 2025-12-22 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: NJ

Complaint narrative:
I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and identified discrepancies that need to be addressed under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute, separated by bureau. 


CHARGED OFF Account Name : XXXX CARD Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1100.00}

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the XXXX auto loan account currently appearing on my consumer credit reports. This is my first formal written dispute regarding this account. 

After reviewing my credit reports, I have identified multiple inaccuracies that require immediate investigation and correction. 

STATEMENT OF FACTS The XXXX auto loan was paid in full, and the obligation was fully satisfied. Despite this, the account continues to report negative and delinquent information that does not accurately reflect the true status of the account. 

Specifically, the account is being reported with late payment indicators even though the balance is {$0.00} and the account shows as paid/closed. The reported delinquency history does not logically or factually align with a paid-in-full auto loan. 

INACCURACIES BEING DISPUTED The following information is inaccurate and/or unverifiable : Late payment reporting on an account that has been paid in full Negative account status inconsistent with a satisfied obligation Inconsistent reporting of last activity, last payment date, and delinquency timelines Payment history entries that do not accurately reflect actual payment performance These discrepancies raise serious concerns regarding the accuracy and integrity of the data being furnished. 

RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) Under the Fair Credit Reporting Act, I have the right to dispute inaccurate or incomplete information appearing on my credit report. 

This dispute is made pursuant to, but not limited to : 15 U.S.C. 1681e ( b ) Requirement to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Right to a reasonable reinvestigation of disputed information At this time, I am requesting a good-faith reinvestigation of this account and correction of all inaccurate data.

REQUEST FOR VERIFICATION OR CORRECTION Please conduct a complete reinvestigation and provide : Verification of the accuracy of all reported late payments, or Correction and updating of the account to accurately reflect a paid-in-full, non-delinquent status, or Removal of the account if the information can not be fully verified

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they XXXX be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint against Equifax, TransUnion, and Experian for their repeated and willful failure to comply with the Fair Credit Reporting Act ( FCRA ). I have sent multiple rounds of disputes regarding fraudulent and obsolete accounts, on or around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time the credit bureaus have failed to conduct a reasonable investigation as required by law. They have simply returned my disputes as " verified '' without providing any proof or documentation to substantiate this claim. 

The following inaccurate, fraudulent, and obsolete accounts continue to appear on my credit reports due to the bureaus ' negligence : US DEPT ED Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  - Account Number XXXX These accounts violate federal law in several ways. I have no contractual relationship with these collection agencies, and their presence on my report is the result of identity theft. I have filed an FTC Identity Theft Report to document this crime. 

Furthermore, the US DEPT ED account is well beyond the 7-year reporting period and is legally obsolete. 

The bureaus ' actions constitute multiple violations of my rights : FCRA Section 605a is violated by the continued reporting of the US DEPT ED account, which is past the statutory 7-year limit for reporting negative information. 

FCRA Section 623a1A is violated by the furnishers of the collection accounts for reporting information they know or should know is inaccurate, as evidenced by conflicting data and statuses across the three credit bureaus.

FCRA Section 611e is violated by Equifax, TransUnion, and Experian for failing to follow reasonable procedures to ensure the maximum possible accuracy of the information in my file. Their failure to identify obsolete data and conflicting information proves their investigation process is deficient. 

FCRA Section 1681c-2 is violated because the bureaus are required to block information resulting from identity theft upon notification, which I have provided. By continuing to report these fraudulent collection accounts, they are ignoring my rights as a victim of identity theft. 

FCRA Section 611a1 is violated because the bureaus failed to conduct a reasonable reinvestigation of my disputes. Simply accepting an electronic verification from a data furnisher without requesting substantive proof does not meet the legal standard of a reasonable investigation. 

This continued reporting of fraudulent and obsolete information is severely damaging my creditworthiness, causing me significant financial and emotional distress, and preventing me from accessing fair credit.

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 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made an online payment on XXXX XXXX and scheduled for the payment to be withdrawn on XXXX XXXX. They never took the payment out at all. They went into my account at their own leisure and overdrafted my account on the XXXX of XXXX, XXXX. Then went back in my account again on the XXXX and then on XXXX and then I made an in store payment on the XXXX of XXXX. I was told by 5 different agents that since I setup that online payment and still made a debit card payment. Theyll still continue to make an attempt 3x to retrieve the payment and if they still dont get the payment theyll charge me a return check fee and plus interest. And they went into my account again on the XXXX of XXXX. I didnt ask them to pay me the overdraft fee that my bank charged me which amount to {$230.00} and now theyre are stating because I put a stop payment with my bank and because they sent me my money back I still owe the balance even though I made a instore credit card payment with Cash on XX/XX/year>. I have been evicted out of my apartment and these credit companies dont realize that people are doing there best with the very high inflation. And then they reported me for nonpayment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. The accounts listed below are being reported inaccurately and I request that they be corrected or removed from my credit report. These disputes are based on multiple inaccuracies, including but not limited to incorrect reporting of payment history, late payments, charged-off accounts, and outdated information. The accounts in question are separated by the respective credit bureaus : Equifax ( XXXX ), Charged Off Accounts : DPT EDXXXX, XXXX, XX/XX/XXXX, {$790.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$790.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$8200.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$6000.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$10000.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$1400.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$5500.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$4800.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3800.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$5700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$1200.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3800.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$2700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$2500.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$4900.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} Inquiries : XXXX, XX/XX/XXXX Late Payments : XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX  states that I have a {$760.00} debt through National Credit Systems. I have tried both the phone number and their online site to view and/or pay this debt and have been unsuccessful in reaching a response or a way to view this debt I am supposed to have with them. 

Their website portal doesnt provide enough information or a way to sign up with my information to view the debt. 

The phone number listed does not answer, nor have I received a call back from this or any associated number. 

I also have not received a letter from this organization ( at least recently ) stating that I owe this debt or instructing me with a way to pay it. I am trying to resolve this debt but am unable to due to poor communication and information on the collection agencys part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
I am submitting this correspondence regarding my TransUnion credit report dated XX/XX/XXXX. I have identified two accounts that are inaccurate, incomplete, or unverifiable, and I am requesting a full deletion of each from my credit report. 
The accounts in question are : 1. XXXX XXXX XXXX  XXXX ( Account Ending XXXXXXXX XXXX XXXX XXXX XXXX  ) 2. XXXX XXXX ( Account Ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX The basis for these disputes includes : XXXX XXXX XXXX  XXXX : Although this account was reported as 60 days past due in XX/XX/XXXX, the account shows a {$0.00} balance and was fully paid and closed on XX/XX/XXXX. Reporting any past-due status or delinquency under these circumstances is inaccurate and unverifiable. 
XXXX XXXX : This account is reported as charged-off with a balance of {$2200.00}. 
No 1099-C has been issued, despite the account being opened in XX/XX/XXXX. Reporting a balance on a charged-off account without proper verification violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Both accounts are reported in violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), requiring that unverifiable or inaccurate information be corrected or deleted. 
Legal precedent, including XXXX v. XXXX, supports deletion of accounts that can not be properly verified.

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 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and improperly verified credit reporting related to an alleged rental/leasing account currently appearing on my XXXX, and XXXX  credit report under National Credit Systems , Inc. XXXX XXXX ) XXXX account ending in XXXX XXXXXXXX. 

I previously disputed this account with XXXX. On XX/XX/year> ( Confirmation # XXXX ), XXXX stated that the account was verified, however no documentation was provided to demonstrate a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 

Importantly, the original creditor, XXXX XXXX, provided a written response through the Better Business Bureau XXXX Complaint ID XXXX ) stating that : XXXX is not currently reporting my lease or payment history ; The account was previously removed ; XXXX reports only to XXXX, not XXXX or XXXX. 

Despite this admission, XXXX  continues to report the alleged debt through National Credit Systems, a third-party collection agency. I have not received proper notice of assignment, proof of ownership, or validation from XXXX  demonstrating legal authority to collect or report this debt. 

Additionally, XXXX reinvestigation resulted in changes to the balance date and status date, which raises concerns of improper re-aging and inaccurate reporting. XXXX failed to reconcile the contradiction between XXXX written statement and XXXX  reporting and instead relied solely on a furnishers electronic certification. 

This constitutes : Failure to conduct a reasonable investigation ( FCRA 611 ) ; Reporting information that can not be verified as accurate ; Allowing third-party reporting after the original creditor confirmed non-reporting and removal ; Potential improper re-aging of a collection account. 

I am requesting that the CFPB require : Immediate deletion of the National Credit Systems account from my XXXX  credit report ; Written proof of debt ownership and authority from XXXX, or permanent removal ; Confirmation that XXXX  has corrected its records and ceased reporting this account ; Assurance that XXXX has not authorized further collection or reporting of this alleged debt. 

All supporting documentation, including XXXX  dispute results and XXXX XXXX response is uploaded, and Disputes are mailed and pending delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: PREFERRED CREDIT INC
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Preferred Credit.

The account is currently reported as open and under dispute, yet reflects 30-day late payment notations for XXXX and XX/XX/year>. These late notations are inconsistent with the accounts payment activity, as the required monthly payment of {$84.00} was made and the account shows ongoing payment activity. 
Additionally, the reporting shows a past-due amount while simultaneously reflecting recent payments, creating contradictory and incomplete reporting. The account is also reported as under dispute, which requires heightened accuracy and verification under the Fair Credit Reporting Act. 
I previously disputed this account, however the inaccurate late payment reporting remains. I am requesting a proper reinvestigation and correction of the disputed late payment notations, or removal of any unverifiable negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I was the victim of an online ticket resale scam on XXXX XXXX. The seller claimed they could not attend a basketball game and offered to sell tickets. They required payment via Chime. 

I sent $ XXXXhrough Chime. After payment was completed, the seller did not transfer the tickets, stopped responding, and blocked further communication. 

I contacted Chime immediately to report the transaction as fraud, but was informed the payment could not be reversed. I also reported the scam to XXXX and filed an FTC fraud report. 

This was a case of intentional misrepresentation and non-delivery of goods. I am requesting review and assistance regarding the lack of fraud protection for this transaction.

Company response to consumer: Closed with explanation