vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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 submitted my first dispute to Experian, TransUnion, and Equifax on XX/XX/2025 regarding multiple accounts being reported under my consumer file. In that dispute, I explained that the identifiers the CRAs rely on to match, verify, and maintain consumer dataincluding SSN fragments, address history, metadata, and internal matching algorithmshave been publicly exposed and are no longer reliable. Because these identifiers were compromised, the CRAs can not legally verify ownership of any tradeline connected to them.

Under FCRA 1681e ( b ), CRAs must maintain maximum possible accuracy. They can not meet that standard when the identifiers required for verification have been contaminated.

Despite my notice that their verification chain is compromised, the CRAs continued publishing the accounts listed in my disputeincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcyall of which appear in my written dispute. 


Under FCRA 605B / 15 U.S.C. 1681c-2, any item linked to compromised identifiers must be blocked within 4 business days because the CRAs can not rely on breached identifiers to confirm ownership. None of the CRAs complied.

I also exercised my rights under FCRA 1681i, requesting the full Method of Verificationincluding databases used, third-party sources, documents reviewed, Metro-2 coding , and whether automated e-OSCAR was used. The CRAs did not provide this information, and therefore did not conduct a lawful reinvestigation.

Because I submitted a formal written dispute, the CRAs also triggered every furnishers duty under 15 U.S.C. 1681s-2 ( b ) to manually reinvestigate and delete anything they can not prove with original documentation. There is no evidence that any furnisher complied. 

This is a system integrity failure, not a minor factual disagreement. Breached identifiers + automated verification = a per se violation of FCRA 1681e ( b ). The CRAs refusal to block unverifiable accounts has caused ongoing harm to my credit, financial opportunities, and ability to obtain housing and services.

This is my first dispute for these items, and due to the CRAs noncompliance, I am escalating this matter to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: NC

Complaint narrative:
I submitted my first dispute to Experian, TransUnion, and Equifax on XX/XX/2025 regarding multiple accounts being reported under my consumer file. In that dispute, I explained that the identifiers the CRAs rely on to match, verify, and maintain consumer dataincluding SSN fragments, address history, metadata, and internal matching algorithmshave been publicly exposed and are no longer reliable. Because these identifiers were compromised, the CRAs can not legally verify ownership of any tradeline connected to them.

Under FCRA 1681e ( b ), CRAs must maintain maximum possible accuracy. They can not meet that standard when the identifiers required for verification have been contaminated.

Despite my notice that their verification chain is compromised, the CRAs continued publishing the accounts listed in my disputeincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcyall of which appear in my written dispute. 


Under FCRA 605B / 15 U.S.C. 1681c-2, any item linked to compromised identifiers must be blocked within 4 business days because the CRAs can not rely on breached identifiers to confirm ownership. None of the CRAs complied.

I also exercised my rights under FCRA 1681i, requesting the full Method of Verificationincluding databases used, third-party sources, documents reviewed, Metro-2 coding , and whether automated e-OSCAR was used. The CRAs did not provide this information, and therefore did not conduct a lawful reinvestigation.

Because I submitted a formal written dispute, the CRAs also triggered every furnishers duty under 15 U.S.C. 1681s-2 ( b ) to manually reinvestigate and delete anything they can not prove with original documentation. There is no evidence that any furnisher complied. 

This is a system integrity failure, not a minor factual disagreement. Breached identifiers + automated verification = a per se violation of FCRA 1681e ( b ). The CRAs refusal to block unverifiable accounts has caused ongoing harm to my credit, financial opportunities, and ability to obtain housing and services.

This is my first dispute for these items, and due to the CRAs noncompliance, I am escalating this matter to the CFPB.

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 2025-12-07 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: PA

Complaint narrative:
I was taken out XXXX it was send to me by XXXX XXXX we both rented a room at knights inn I agree to pay the first week which was XX/XX/XXXX. The following week XX/XX/XXXX first his turn he then send me to the money via chime on the note he put rent plain n clear we got into an incident where I had to confront him he got upset we got into an argument I had to call the cops on Thursday he was removed from the room he tried every possible way to screw me try n get the room canceled but couldnt because it was under my name now mind u he live the first week that I paid for he requested money bak from chime they supposedly did an investigation witch i was never aware or notified of they just came to the conclusion it was an error and decided to adjust my account n take the funds out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting serious inaccurate and inconsistent credit reporting by TransUnion, Experian, and Equifax. I have disputed multiple items several times, yet none of the bureaus have conducted a proper investigation. They continue to report contradictory information about the same accounts, including showing one account as CLOSED on one report but DELINQUENT or PAST DUE on another, and showing different balances, dates, and statuses.

The bureaus also allow furnishers to update account information while my disputes are still active, which violates the FCRA. They complete investigations within only a couple of days, which is not long enough for a genuine reinvestigation. This results in inaccurate, outdated, or unverifiable information staying on my report even after I provide documentation. 

These errors are harming my credit, my ability to qualify for housing, and my overall financial stability. I have repeatedly attempted to resolve this directly with the bureaus, but they continue to verify wrong information without performing a legally required reasonable investigation.

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 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing a formal complaint against National Credit Adjusters ( NCA / NATCREADJ ) regarding an unverified collection account reporting on my credit file under account number XXXX for an alleged balance of {$490.00}. I have never received any written debt validation or notice of this debt as required under FDCPA 809 ( a ). I have disputed this account multiple times with both the credit reporting agencies and directly with the collector and have repeatedly requested proper written validation yet no documentation has ever been provided. At this time, I have no knowledge of what this alleged debt is for, who the original creditor is, or how the balance was calculated. National Credit Adjusters has failed to supply the legally required validation, including the original creditor name, signed consumer contract, payment history, original billing statements, or proof of legal assignment establishing ownership of the debt. Continued reporting of this account without verification constitutes violations of FDCPA 809 ( b ) ( failure to validate a disputed debt ), FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate or unverified information ), FCRA 1681s-2 ( b ) ( failure to conduct reasonable investigation after dispute ), and Metro 2 reporting standards, which require furnishers to maintain complete, accurate, and verifiable documentation prior to reporting consumer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: Experian Information Solutions Inc.
State: TN

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Disputed online and informed the credit reporting companies that inaccurate information is being furnished such as ; different versions of my name, addresses and phone numbers that are not associated with me.

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 2025-12-07 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: Experian Information Solutions Inc.
State: MI

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: NY

Complaint narrative:
XXXX never made a late payment. 

Global lending services- not my account or obligation- remove delinquencies and entire account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: AL

Complaint narrative:
I am submitting this complaint through the CFPB because the TransUnion dispute website would not allow me to complete my dispute. The upload center kept failing, and after several attempts the system gave a full error message and would not process my documents or my dispute at all. Since the TransUnion portal wasnt working, this is the only way I can submit my concerns and get them reviewed. 

After thoroughly researching how to fix the credit damage I honestly felt trapped by, I learned that several of the late payments showing on my TransUnion report should not be reporting at all. My Truist FHA mortgage shows late payments from the middle of the COVID-19 period when federal law ( CARES Act 4021 ) prohibited late-payment reporting on federally backed mortgages for borrowers affected by the pandemic. I was a USPS essential worker during the entire pandemic and was required to report to work every single day. I could not quarantine like other workers were allowed to. I became sick multiple times, had major interruptions in income, and this hardship directly affected my ability to stay current. Under the CARES Act, those late payments should never have been furnished. 

My XXXX student loan also shows late payments during the national forbearance period. From my research, federal student loan servicers were not allowed to report lates during this period at all. The delinquency chain also makes no senseit jumps straight to major delinquencies without showing the 30-day or 60-day stages, and each bureau shows a different pattern. 

In addition, my XXXX XXXX XXXX and XXXX XXXX accounts contain clear accuracy violations. The three bureaus report different dates, different payment histories, different statuses, and even different account numbers for the same account. These contradictions violate FCRA 1681e ( b ) and are also misleading under the Alabama Deceptive Trade Practices Act ( Ala. Code 8-19-5 ). They have severely damaged my credit reputation.

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 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: MO

Complaint narrative:
I am requesting a fraud-induced debt review for my Upstart personal loan. I was the victim of a pig-butchering scam, which is a federally recognized form of online financial fraud involving grooming, psychological manipulation, and coercion. 
In early 2024, I was manipulated by an online scammer into believing I was investing in a legitimate crypto platform. The scammer built trust over time and pressured me into taking out a loan to fund the supposed investment. Under this false information and manipulation, I took out an Upstart loan in XX/XX/year>. I later discovered the platform was completely fake. 
I filed a report with the FTC ( I have the report receipt ). I also reported the scam to my local police department by speaking with an officer, but I was told they could not do much because the crime was online.

At the time of the scam, I was overwhelmed, embarrassed, and in crisis, and I did not know that I could request assistance from the lender or file a dispute. I continued making payments out of fear and confusion. I have paid the loan down from around {$16000.00} to about {$11000.00}. I had since picked up a second job to help pay with loan off. It has taken an mental and physical toll on me.

I recently learned that pig-butchering scams qualify as fraud-induced/coerced debt and that lenders are advised to review these cases for relief options. I emailed Upstart asking for a fraud review, explaining the situation, and offering my FTC documentation. I am requesting that Upstart conduct a full investigation into this fraud-induced loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Re : Dispute of Inaccurate XXXX XXXX Collection Account # XXXX Demand for Immediate Deletion under 15 U.S.C. 1681i and 1681e ( b ) To Whom It May Concern : I am writing to dispute the completeness and accuracy of the above-referenced XXXX XXXX account appearing on my credit file. This account is inaccurate and violates multiple provisions of the FCRA and the Metro 2 Credit Reporting Resource Guide for the following reasons : 1. Missing Date of First Delinquency ( DOFD ) The account fails to report a Date of First Delinquency as required by 15 U.S.C. 1681c and the Metro 2 standard. Without a valid DOFD, the account can not be accurately aged and must be deleted. 
2. Improper Delinquency Progression ( Metro 2 Violation ) The furnisher is reporting the account as 180+ days past due ( or seriously past due ) without ever reporting the required sequential 30-60-90-120-150 day delinquency codes in prior months. This violates the Metro 2 format specifications and renders the reporting patently inaccurate under 15 U.S.C. 1681e ( b ). See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ; XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ). 
3. Failure to Conduct a Reasonable Investigation ( 1681s-2 ( b ) ) Upon information and belief, XXXX XXXX has never conducted a reasonable investigation and continues to verify this information through the automated e-OSCAR system without correcting the above violations. 
Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy and completeness of this information within 30 days, you must promptly delete the account from my file. Partial or updated reporting is not sufficient when the account is materially misleading.

Also invoke your right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) that this dispute is not frivolous because it is based on objective Metro 2 and FCRA violations. 
Please send me written confirmation of the deletion and updated copies of my credit report from all three bureaus.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has become a serious issue for me. I contacted them to explain that XXXX and I have resolved the issue regarding the incorrect information on my credit report. I submitted a dispute, clarifying that the contract they provided didnt include all the necessary information before I signed it, which meant they needed to remove the late payment for XXXX. However, they claimed the information was correct, left the late charge on my record, and stated that I was 30 days late for XXXX as of the XXXX. I informed the credit agency that I can't be 30 days late on my payments, and that it's already the XXXX. 

They insisted the information was accurate, so I reached out to XXXX, and they confirmed that they hadn't even reported anything for XXXX. XXXX submitted a correction, but Experian refuses to adjust the information. 

Additionally, I have a 30-day late notice on a closed account that belonged to my XXXX. My research shows that no lender or financial institution can report a 30-day notice on a closed account, yet Experian allows this practice. I depend on credit reporting services to be accurate, but I can no longer trust Experian to report correct information. Their inaccuracies are harming my credit, and it seems like there's no oversight on these credit agencies. 

Moreover, Experian is misreporting the amount I owe XXXX. They seem uninterested in fixing their mistakes, and I demand that these errors be corrected immediately. I shouldn't have to wait months for these problems to be resolved. By the time they fix the errors, I could lose over XXXX points, and they only restore a small fraction of them. This is an unfair practice.

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 2025-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity bank charged deferred interest on my account without email notifying me. Even though, I selected to receive electronic communication. They said that they aren't legally required to let the client know when they charge the interest. This is a misconduct of business. They can not pick and choose which activity on the client account to notify so that it works on their favor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: NM

Complaint narrative:
I dont recognize this XXXX XXXX spelling of my name. Please remove it. The correct spelling is 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