vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
CFPB Complaint Chex Systems , Inc. ( ChexSystems ) Product/Issue : Credit reporting Incorrect information on your report Problem with a credit reporting companys investigation Company : Chex Systems , Inc. ( ChexSystems ) Date of problem : XX/XX/year> ( original dispute ) Company response date : XX/XX/year> ( Closed with explanation ) Whos affected : Myself Account number : N/A ( ChexSystems consumer file ) Problem narrative ( what happened ) On XX/XX/year>, I submitted a written dispute to ChexSystems regarding inaccurate and identity-theft-related information in my specialty consumer file. My dispute packet included an FTC Identity Theft Report and a Police Report. 

FTC Identity Theft Report : Ref # XXXX Police Report : Case # XXXX Despite receiving my identity-theft documentation, ChexSystems responded XXXX XX/XX/year> stating my complaint was closed with explanation and claiming the police report was not included. That is incorrect : both the FTC and police reports were provided with my dispute materials. ChexSystems did not apply an identity-theft block to the disputed items, did not conduct a proper reinvestigation, and referenced possible continued reporting/retention practices inconsistent with the FCRA. 

Specific law/policy concerns FCRA 605B Identity-Theft Blocking With valid identity-theft documentation, ChexSystems must block the disputed information within 4 business days. This did not occur. 

FCRA 611 ( a ) ( 1 ) ( A ) Failure to Reinvestigate ChexSystems closed the dispute without a full, free reinvestigation within the required 30 days, and ignored evidence I supplied.

FCRA 611 ( a ) ( 5 ) ( B ) Improper Reinsertion Items previously deleted have re-appeared in downstream products without furnisher certification and 5-day written notice to me.

FCRA 607 ( b ) Reasonable Procedures to Assure Maximum Possible Accuracy ChexSystems relied on incomplete/unverified furnisher data and disregarded the FTC/Police reports I provided.

FCRA 605A Security Freeze/Alerts I requested ( and again request ) a security freeze on my ChexSystems file . I have not received adequate confirmation that a freeze or appropriate alerts have been placed. 

ChexSystems response states it will initiate a review and suggests contacting other agencies. However, ChexSystems independently maintains my specialty file and has its own statutory duties under the FCRA to block, delete, or verify data and to confirm freezes/opt-outs. 

The continued presence or reappearance of inaccurate identity-theft entries in ChexSystems ( and any downstream products ) is harming my ability to open accounts and obtain business funding, as banks and fintechs routinely query ChexSystems during underwriting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint to formally dispute and request the removal of certain accounts from my credit report, as they are inaccurately reported and do not reflect my true financial history. These inaccuracies have caused significant distress and are affecting my ability to access financial opportunities. 
XXXX account, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is listed with a balance of {$960.00}. This debt was legally discharged under a XXXX cancellation of debt, and its continued reporting as an active balance is false. Under FCRA 605 ( a ), obsolete or cancelled debts must not remain on a consumers record, and FCRA 623 ( a ) ( 5 ) obligates furnishers to report information accurately. This account should therefore be fully removed. 
Additionally, accounts such as XXXX XXXXXXXX *, XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX * are reported as charge-offs with {$0.00} balances. While they may appear minor, they are inaccurately reflected and misrepresent the true status of my accounts. Under FCRA 607 ( b ), continued reporting of misleading or outdated information constitutes a violation of the duty to maintain maximum accuracy. These accounts should also be completely removed from my record. 
Furthermore, I have noticed certain collection accounts reported, including those from XXXX XXXX XXXX, XXXX XXXX, and an online service originally from XXXX XXXX. These accounts appear to be unverifiable and inaccurately reported. Under FCRA 609 ( a ) ( 1 ), I have the right to request full verification of any item reported, and if verification can not be properly documented, FCRA 611 ( a ) ( 1 ) requires that the unverified accounts be deleted. The presence of unverifiable or misleading collections is prejudicial to my financial reputationI respectfully request their immediate removal. 
The continued reporting of these accounts is not only inaccurate but also harmful to my financial standing. I am invoking my full rights under the Fair Credit Reporting Act, including FCRA 605 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 5 ), to ensure that only lawful, verifiable, and accurate information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint to formally dispute and request the removal of certain accounts from my credit report, as they are inaccurately reported and do not reflect my true financial history. These inaccuracies have caused significant distress and are affecting my ability to access financial opportunities. 
XXXX account, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is listed with a balance of {$960.00}. This debt was legally discharged under a XXXX cancellation of debt, and its continued reporting as an active balance is false. Under FCRA 605 ( a ), obsolete or cancelled debts must not remain on a consumers record, and FCRA 623 ( a ) ( 5 ) obligates furnishers to report information accurately. This account should therefore be fully removed. 
Additionally, accounts such as XXXX XXXXXXXX *, XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX * are reported as charge-offs with {$0.00} balances. While they may appear minor, they are inaccurately reflected and misrepresent the true status of my accounts. Under FCRA 607 ( b ), continued reporting of misleading or outdated information constitutes a violation of the duty to maintain maximum accuracy. These accounts should also be completely removed from my record. 
Furthermore, I have noticed certain collection accounts reported, including those from XXXX XXXX XXXX, XXXX XXXX, and an online service originally from XXXX XXXX. These accounts appear to be unverifiable and inaccurately reported. Under FCRA 609 ( a ) ( 1 ), I have the right to request full verification of any item reported, and if verification can not be properly documented, FCRA 611 ( a ) ( 1 ) requires that the unverified accounts be deleted. The presence of unverifiable or misleading collections is prejudicial to my financial reputationI respectfully request their immediate removal. 
The continued reporting of these accounts is not only inaccurate but also harmful to my financial standing. I am invoking my full rights under the Fair Credit Reporting Act, including FCRA 605 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 5 ), to ensure that only lawful, verifiable, and accurate information remains on 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
DEBT VALIDATION LETTER Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To : CCBank/CNG XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX : Request for Debt Validation Dear CCBank/CNG, I am writing in response to a debt listed on my credit report and/or for which I have received collection attempts. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am requesting validation of this alleged debt. 
Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a breakdown of interest, fees, and principal. 
XXXX. A copy of the signed contract or agreement showing that I am legally obligated to pay this debt. 
XXXX. Proof that you are authorized to collect on this account. 
XXXX. Documentation showing when the debt was incurred and the date of the last payment. 
Until this debt is fully validated, you must cease all collection activity, including reporting this account to any credit reporting agencies. If you have already reported this debt, please inform the credit bureaus that the account is currently in dispute. 
Please send your response to my mailing address above. I am requesting that all communications be in writing. 
Thank you for your cooperation. 
Sincerely, /s/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Account was included in bankruptcy but is still showing open.

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

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient loans were transferred to XXXX and I am not able to log on to the website XXXX the studentaid.gov website it says my loans are with Navient XXXX but XXXX getting XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
IPortfolio Recovery Associates sued me for a debt in the amount of {$12000.00}. The case was filed in court, but it was later dismissed or dropped by the court. I was never given a clear explanation of why the case was dismissed, Despite the case being dropped, Portfolio Recovery has continued to report or attempt to collect this debt. I am submitting this complaint because I believe they should not be able to pursue or report a debt that was already dismissed by the court. I am requesting that the CFPB review this matter and help ensure that Portfolio Recovery updates or removes any negative reporting related to this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am really frustrated because the inaccurate late payments are still displayed on my credit reports as of this morning, and I have no explanation for it. They remained even after I refreshed the browser. I am asking that all the documents I submitted be closely verified immediately so I can have peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am requesting that your agency conduct a full reinvestigation into the accuracy and legitimacy of this collection account, including but not limited to : XXXX. Verification of the account 's validity, origin, and ownership. 
XXXX. Confirmation of proper notification of debt and collection attempts. 
XXXX. Compliance with federal and state consumer protection laws, including the FDCPA and FCRA. 
XXXX. Verification that the reporting agency has proper documentation to substantiate the debt, including original account agreements, payment history, and itemized statements. 

Please be advised that I am not acknowledging ownership or responsibility for the alleged debt, nor am I waiving any rights under state or federal law. This letter constitutes a formal dispute under XXXX U.S.C. XXXX ( a ) and a request for investigation, including the requirement that you : Contact the furnisher of the information ( if applicable ) ; Review all supporting documentation ; Delete or correct any information that can not be verified within 30 days ; and Provide me with a copy of the results of your investigation, as well as an updated credit report. 

If your investigation concludes that the account is accurate and will remain, I request that you provide a complete description of the procedures used to determine the accuracy and completeness of the information under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 
Failure to properly investigate and respond within the required timeframe may constitute a violation of the FCRA and could result in legal action to enforce my rights. 
Thank you for your immediate attention to this matter. I expect your written response within XXXX  days from receipt of this letter, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. BARCLAYS BANK DELAWARE XXXX & BARCLAYS BANK DELAWARE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I am requesting verification of these entries, and if they can not be verified, I ask that they be corrected or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may 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 XXXX XXXX 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 2025-10-22 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: FL

Complaint narrative:
My name is XXXX XXXX complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under XXXX U.S.C. XXXX ( a ), data furnishers are required to report only accurate and complete information.Reporting unverifiable or inaccurate data is a violation of federal law. I am going through so much right now I don't know how much more I can take because of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
follow-up case with XXXX. 
I previously filed a CFPB complaint ( # [ XXXX ) against Capital One regarding a fraudulent account opened in my name. Capital Ones written response to the CFPB is inconsistent with the information the company provided to me directly by phone and email. In its CFPB response, Capital One claimed the account was verified as legitimate, but its direct communication gave a different reason for denial. 

I have submitted all required documentationincluding the FTC Identity Theft Report, police report, and proof of XXXXXXXX XXXX XXXXXXXX show that the account was fraudulently opened in Georgia. This issue has negatively affected my credit report and credit score for a long time, causing significant stress and inconvenience. I respectfully request that the CFPB reopen or further investigate this case due to the companys inconsistent and misleading statements, and that my credit record and score be fully restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief