vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite of my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. 
This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. 
By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

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 2025-12-29 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: AL

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite of my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. 
This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. 
By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
A construction company named " XXXX '' was to build XXXX XXXX square feet Additional Dwelling Units in our backyard at our primary residence. In XXXX of XXXX we discovered that we along with XXXX other families were scammed by XXXX who helped clients secure construction loans. XXXX had a partnership with GoodLeap and secured us a {$51000.00} construction loan with GoodLeap. XXXX coerced me to state the work had been completed based on a follow up call by GoodLeap to see if the work had been completed. I have spoke to the Contractor State Licensing Board lead investigator XXXX XXXX ( XXXX. XXXX ) regarding XXXX fraud and I also had filed a police report with the City of XXXX XXXX where XXXX 's office was located. I have been in contact with XXXX XXXX ( Client Support Manager ) who on XX/XX/XXXX had told me over the phone that my loan would be cancelled/refunded and that it would take some time ( a few months ). I have been in contact with XXXX XXXX on a bi-weekly basis since XX/XX/XXXX who keeps on telling me there is no update on my case and that she is escalating my case to her team. I have provided the necessary police report to show that I was a victim of XXXX XXXX scheme that affected XXXX of families in XXXX California, yet Goodleap does not seem to care about working class families and the financial impact it has on them by not giving any priority or urgency to my case. I have a XXXX month old newborn and XXXX young daughters to provide for so I would hope that GoodLeap speeds up its investigation into my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This collection agency is violating my rights please investigate I have tried multiple times to correct this issue asked for documentation with my wet signature stating that a debt is in fact owed to the company national credit systems and they have yet to provide me any information please remove and affiliation with my name and personal information date of birth and social security number from this company they have failed to honor my consent to privacy, cease and desist, and opt out request there is no permissible purpose and they are not abiding by the fcra laws to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Absolute Resolutions Investments , LLC engaged in inaccurate credit reporting and improper debt collection practices, including continued collection activity after a written cease-and-desist request. 

On or about XX/XX/year>, Absolute Resolutions Investments sent a written notice stating that an account had been purchased and assigned. That notice explicitly stated that this is not an attempt to collect a debt, and that it was only a notification of assignment. 

Despite this representation, the account was reported to XXXX  as an active collection account, showing a past-due balance of approximately {$30000.00}, a date opened of XX/XX/year>, and a collection status. The account was further updated as late as XX/XX/year>, even after being disputed by the consumer. 

Reporting the account as an active collection directly contradicts the companys written statement that it was not attempting to collect a debt. This renders the credit reporting false, misleading, and inaccurate, and misrepresents the legal status and timing of the account. 

After disputing the account, the furnisher continued to update the balance and status on the credit report instead of ceasing collection activity or providing proper validation. Updating a disputed account constitutes continued collection activity through credit reporting. 

On or about XX/XX/year>, I sent Absolute Resolutions Investments a written cease-and-desist notice, requesting that all communication cease except to confirm compliance, that the account be removed from consumer credit reports, and that no further collection or reporting activity occur. 

Despite receipt of this cease-and-desist request, Absolute Resolutions Investments continued collection activity by having a law firm, XXXX XXXX XXXX XXXX XXXX XXXX mail a collection letter to me. That letter explicitly stated that it was trying to collect a debt. This communication did not confirm compliance with the cease-and-desist and did not notify me of any specific legal action being taken.

Using an attorney to send a collection letter after a cease-and-desist constitutes continued collection activity and an attempt to circumvent consumer protections. Attorneys collecting consumer debt on behalf of a debt buyer are subject to the same Fair Debt Collection Practices Act requirements.

These actions caused confusion, improper pressure, and harm by falsely portraying the account as a valid and active collection, continuing collection activity during a dispute, and communicating after a cease-and-desist request.

I am requesting that the CFPB investigate this matter and require the companies involved to cease all collection activity, correct or delete inaccurate credit reporting, and ensure compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

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 2025-12-29 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: CA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-12-29 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-12-29 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-12-29 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: LEXISNEXIS
State: TN

Complaint narrative:
This complaint is submitted as a follow-up to CFPB Complaint No. XXXX, based on XXXX final response dated XX/XX/year> and subsequent documentation received. 
In its CFPB response, XXXX  stated that the disputed bankruptcy was verified as reported by XXXX XXXX  XXXX XXXX. Courts do not furnish data to credit bureaus, do not conduct reinvestigations, and do not verify the accuracy of consumer credit reports. Listing a court as a verifying furnisher does not satisfy the Fair Credit Reporting Acts procedural verification requirements. 
After receiving XXXX response, I also received written correspondence from LexisNexis, a third party used by XXXX, confirming that the alleged verification relied solely on PACER, an online public access website. PACER only provides access to filed court documents. It does not verify identity, accuracy, consumer liability, reporting compliance, or whether information is properly attributable to a consumer. 
TransUnion later provided a generic description of its dispute process stating that, for public record disputes, TransUnion or a third-party service checks court records. This document does not identify the actual verifying entity, does not disclose reliance on LexisNexis or PACER, and does not describe the procedure used in my specific case. Generic process descriptions do not satisfy the procedural verification requirements of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

TransUnion failed to provide : The name, address, and telephone number of the actual verifying party The authority of that party to verify credit reporting accuracy The specific method used to verify this bankruptcy The documents relied upon during reinvestigation XXXX on a third-party database and public access website does not constitute a reasonable reinvestigation under 15 U.S.C. 1681i ( a ), nor does it ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Despite these deficiencies, TransUnion continues to report the bankruptcy.

I am requesting deletion of the bankruptcy from my credit file or, in the alternative, full procedural verification that complies with the Fair Credit Reporting Act, including identification of the actual verifying entity, its authority, and the documentation relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint regarding repeated and ongoing overdraft activity on my Navy Federal checking account, despite not being enrolled in Optional Overdraft Protection ( OOPS ). 

Beginning in XX/XX/XXXX, I discovered that my account had experienced overdrafts recently and over a period of time since XXXX. Transactions were approved and later posted in a way that caused my account to post a negative balance. I opted out of overdraft coverage in late XXXX. 

I contacted Navy Federal multiple times and requested a full review of all overdraft activity, including why transactions were approved and confirmation that my account was properly set to decline transactions when funds are insufficient. Instead, I received general explanations about posting order and balances, without addressing why the overdrafts continued or confirming corrective action. 

The issue continued even while under review. I am requesting a full investigation, reimbursement of overdraft-related charges assessed in error, and written confirmation that my account is correctly configured and safeguards are in place to prevent recurrence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-29 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: MD

Complaint narrative:
I am filing this complaint against XXXX XXXX  XXXX, Equifax, Experian, and TransUnion for continued inaccurate and unverifiable credit reporting despite multiple prior disputes and prior CFPB escalation. 

This mortgage account is reported across all three credit bureaus as open, current, and {$0.00} past due, yet XXXX XXXX  XXXX continues to report multiple 30-day late payments in the payment history. Reporting delinquency while simultaneously stating that an account is current and not past due is internally contradictory, materially misleading, and not maintained with maximum possible accuracy.

Despite repeated disputes and CFPB complaints, neither XXXX XXXX  XXXX nor the credit bureaus have produced any documentary evidence to substantiate the alleged late payments, including : Billing statements for the months in question Payment due dates Proof of mailing or delivery of billing statements Payment posting records showing an actual delinquency XXXX XXXX  XXXX has also failed to demonstrate compliance with the Fair Credit Billing Act, which requires that billing statements be issued at least 21 days prior to the payment due date for a late payment to be lawfully assessed or reported. Verifying late payments without proof of timely billing notice does not constitute a reasonable reinvestigation. 

Additionally, this tradeline reflects conflicting dispute remarks and statuses across Equifax, Experian, and TransUnion, including statements such as account not disputed, dispute resolved, and consumer disagrees. These contradictions confirm reliance on automated or procedural responses rather than a substantive, individualized investigation as required by law. 

By continuing to report unverifiable late payments after repeated disputes and regulatory escalation, XXXX XXXX  XXXX and the credit bureaus are violating : FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ) FCRA 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information that is not accurate or verifiable )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX, Balance : {$10000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief