vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account being reported is not mine and appears to be a reporting mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COMMERCIAL SERVICES GROUP, INC.
State: TX

Complaint narrative:
I hereby challenge you to provide proof that it's appropriate for you to make these ridiculous allegations about me. You need to document that you've complied with the reporting requirements and report without any deviations. According to 15 U.S.C 1681e, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to furnish information about accounts or other relationships with a consumer that has integrity, is accurate, and conduct reasonable investigations of consumer disputes. It's absolutely crucial to remember that any mistakes in reporting can make the information less accurate, and this has significant implications for both federally regulated reports and XXXX XXXX compliance standards, as XXXX clearly states " Any deviations from these standards jeopardize data integrity. '' I've found several mistakes and inaccuracies in your report, and you need to investigate the validity of these inaccurate items so they can be replaced with more accurate ones or deleted altogether. 

COM SERV GRP - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies being reported on my credit file that are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The information below represents accounts that are falsely reported, unverified, and have not been properly investigated despite previous disputes. These actions have resulted in damage to my creditworthiness, emotional distress, and financial harm. 

MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXXXXXX : Late Payment This account continues to report incorrect late payments that do not reflect accurate payment history. I have provided prior disputes showing inconsistency in the dates and reporting periods. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers can not report information known to be inaccurate. Failure to correct this after multiple disputes is a clear violation, and it demonstrates negligence in maintaining accuracy as required by 1681e ( b ). 

XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXXXX XXXX XXXX XXXXXXXX : Late Payment This account reflects alleged delinquencies during a period of administrative forbearance. Under the CARES Act and FCRA 1681s-2 ( a ) ( 1 ) ( B ), such reporting is prohibited when payments are suspended or deferred. Reporting lates during that period is unlawful and damaging. This error must be corrected or deleted immediately as no verifiable evidence supports the current status. 

XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXXXX XXXX XXXX XXXXXXXX : Late Payment The information being reported is inconsistent across credit bureaus, indicating unreliable data handling and violation of FCRA 611 ( a ) ( 5 ) ( A ). Each bureau must ensure uniform and verified information. This accounts late payment history appears fabricated and unsupported by any documentation provided upon prior requests. I demand immediate deletion as the continued reporting violates my consumer rights. 

The continuous reporting of these inaccurate items violates federal consumer protection laws. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into these matters and take appropriate enforcement action to ensure compliance with all applicable sections of the FCRA and FDCPA. I further request the immediate deletion or correction of the false information and a written confirmation of the resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I received a phone call from my boss XX/XX/year>. Telling me that they received a garnishment order from LVNV Funding LLC for the amount of {$30000.00} in which they were ordered to deduct XXXX  % of my bi-weekly earnings. I informed my boss that I didn't know who they were or what this was about, and that I was fully intending to dispute this matter. I immediately called XXXX Funding and spoke to an agent, I requested debt validation. Original documentation. At which point they were supposed to stop garnishment until I received those requested documents. I received copies XX/XX/year>, the garnishments did not stop during this time. I consider the information provided is not substantial validation, verification and validation are XXXX different things. They sent verification containing vague information none of which is validating. The Judgement was granted XX/XX/year>. The agent I spoke to at the call center claimed that paperwork was served sometime in XX/XX/year>, but that is untrue, the judgement had already been granted, how can you serve a Lawsuit in XXXX but received the Judgment in XXXX of the same year? I was not properly served in this matter and went completely unaware ; and unable to respond in time, they were granted an automatic Judgement against me. I went to the courthouse to file the necessary paperwork to get this matter back in court XX/XX/year>. I wrote LVNV Funding an official dispute letter XX/XX/year>, delivered certified mail along with copies of XXXX motions filed with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: VA

Complaint narrative:
I have been missing funds and the bank states they cant refund my money even though it is shown that my money should have been returned. Posted payments and refunds have not been showing accurately and to the point its putting my account in the negative and it shouldnt. I have had money in my account since opening it and several times I have been in the negative for transactions that have already posted to my account stating insufficient funds or being charged XXXX. I was charged multiple times for the same transaction and not given my money back for payments that show I should receive money back. I transferred my money and was told almost over a week later after the money was removed from my account that it was due to insufficient funds but not receiving my money back and payments being reversed and stating the merchant took it back but when I contact the merchant they say my money was sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I recently obtained a copy of my credit report from your agency and discovered that DEPT OF EDUCATIONXXXX is reporting late payments on my studentloan account ( Account No. XXXX ). The negative history appears on my report as 120day late payments on XX/XX/year>2025- XXXX 2025n which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and SS Card.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts were consistently payed! I possess an excellent payment record, and all payments were arranged on autopay. The transaction was handled incorrectly on their side, which is the reason for this late payment being reported. 

I request the update of the reported late payment. 

They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
No XXXX-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts & Inquiries : XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX  XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX Account Number : XXXX These accounts and inquiries were not authorized by me and must be removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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