vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: MA

Complaint narrative:
When reviewing my credit reports, I discovered several accounts being reported inaccurately and without proper validation. My XXXX  XXXX account is listed as open and current with a {$1500.00} balance, but at the same time it shows late payments, which is contradictory and misleading. My XXXX XXXX loan shows a {$4100.00} balance and {$340.00} past due, with late payments in XXXX and XX/XX/XXXX. This account was already disputed, yet Experian and TransUnion continue to carry derogatory marks without proof of accuracy. 

XXXX XXXX is reporting a closed and paid account, but is still showing a XXXX late payment in XX/XX/XXXX. It is unlawful and unfair to report late payments after payoff and closure. XXXX is reporting a closed account with a {$0.00} balance but continues to show late payments from XXXX, which is outdated and unverifiable. 

XXXX XXXX XXXX is reporting a charged-off account with a {$290.00} balance written off, but continues to show multiple derogatory months even after closure. XXXX XXXXs reporting a closed account with a {$0.00} balance but still lists the account as settled for less than the full balance, with {$2900.00} written off and multiple late paymentsthis is excessively negative and unverifiable. Finally, XXXX XXXX XXXX is being reported as a collection account for {$420.00}, but no validation, proof of assignment, or chain-of-custody documentation has ever been provided to show that the debt is legitimate. 

Despite prior disputes, these inaccuracies remain, damaging my creditworthiness.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified information being reported about me by XXXX  and furnished by U.S. Bank. 

On my recent XXXX  consumer report, U.S. Bank is reporting a closed checking account with an alleged unpaid balance of {$850.00} ( closure date : XX/XX/year> ) and labeling it as account abuse. I dispute the accuracy and completeness of this information. 

Issues : XXXX. I attempted to submit a dispute directly through ChexSystems online portal, but their system would not process my dispute. 
XXXX. XXXX  is reporting this negative item without providing documentation or proof of accuracy. 
XXXX. U.S. Bank, as the furnisher, has not provided any verification or original account-level documentation showing that I am responsible for this account or balance.

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 2025-09-17 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: FL

Complaint narrative:
Capital One : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing the Capital One account listed on my XXXX  credit report. Please provide : Complete the securitization details of this account. 

A copy of the signed agreement showing I am contractually responsible. 

All correspondence, including letters and dates of contact attempts, follows the first reported delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX This account have resulted in fraudulent chargeoff appearing on my consumer XXXX credit report. I do not recognize the aforementioned account or chargeoff as reported. The aforementioned account and chargeoff, I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, chargeoff, are the result of identity theft and 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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF 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 non-monetary relief
Consumer complaint received 2025-09-17 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX XXXX Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX Date : XXXX XXXX XXXX Date XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XXXXXXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX XXXX  Date : XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX, Balance : {$500.00} XXXXXXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$690.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$570.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$4500.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$870.00} XXXX  XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-17 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing regarding my account with SYNCB/Care Credit, account number [ XXXX ]. I am requesting a copy of Form XXXX ( Cancellation of Debt ) for this account, as required by IRS regulations when a debt has been canceled or written off. 

If this debt has indeed been canceled or written off, I also request that you update all credit reporting agencies to reflect this correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) and 1681i, furnishers of information must report only accurate information and must promptly correct or delete information that is inaccurate or no longer valid. 

Please provide the XXXX and confirm in writing that my credit report has been corrected. I expect a response within XXXX  days.

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 2025-09-17 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: Possible Financial Inc
State: FL

Complaint narrative:
I dispute the Possible Financial Act. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Possible Financial is reporting balances and dates inconsistent across the bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Elite Legal Practice PC
State: CO

Complaint narrative:
I was approached by Elite Legal XXXX about credit help and signed an agreement XXXX XXXX and to this day I do not know what they have been doing! I have been making payments of {$330.00} each month since XX/XX/year> and I get the run around script thats not saying anything with a lot of legal nothing about where we are in my case?! Elite says they are just waiting to hear back from all the disputed charges from the companies and credit reporting agencies. I could have done all the disputes on my own. Also, I have had numerous situations with fraud on the dark web and other cyber attacked since working with Elite! I do not know if its connected but I had nothing until I started working with Elite Legal XXXX! In fact, right now I am fighting a XXXX XXXX line of credit that I am listed as a co-signer on that has a massive credit balance that isnt even mine!! 
I have had to freeze and have had to add Credit Fraud Alerts to all three of the Credit Bureaus. As I said I can not prove this is due to working with Elite Legal a services but I never had issues before?!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX  - Account Number : XXXX * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1000.00} CHAPTER XXXX BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I XXXX XXXX XXXX financed XXXX tires from XXXX XXXX  on XX/XX/year> at XXXX XXXX  through Acima Credit Ive paid {$150.00} every month since plus an extra hundred I called CSR Tuesday the XXXX XXXX XXXX was told I owe XXXX to pay off. They would not tell me where my payments have gone. Theyve charged a veteran over 100 % financing charges. This violates the service members Credit and Debt at I asked for a manager and they hung up. They wouldnt answer how this could be. There is no resolution and when I try to find and send you my lease file, they are blocking me from getting it. I can not see it so I dont know how to resolve that part. I will send you pictures of what I have. This is the legal and should be investigated immediately. Im unable to find account number, all files are empty now but I have the invoice number and gave it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: PA

Complaint narrative:
To Whom It XXXX Concern, This letter is a formal notice that I am disputing the validity of the above-referenced account. This is not a refusal to pay but a request for verification and compliance with federal law. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), and the XXXX XXXX ( XXXX XXXX. XXXX ), I demand that you provide the following : Full validation of the alleged debt, including a copy of the original signed agreement bearing my signature and itemized statements of the balance. 
Proof of authorization showing you have the legal right to collect or report this debt. 
Documentation of compliance with XXXX XXXX. XXXX, including how my nonpublic personal information was obtained, used, and disclosed with my consent. 


Until you provide full validation, you must : Cease all collection activity. 
Cease reporting this account to any consumer reporting agencies. 
Remove any unverified information already furnished to Experian, Equifax, and TransUnion. 


Be advised : continued reporting or sharing of my personal information without proper authorization violates federal law. If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

You are required by law to respond to this request within XXXX  days of receipt. 

Sincerely, 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 explanation
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It XXXX Concern, This letter is a formal notice that I am disputing the validity of the above-referenced account. This is not a refusal to pay but a request for verification and compliance with federal law. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), and the XXXX XXXX ( XXXX XXXX. XXXX ), I demand that you provide the following : Full validation of the alleged debt, including a copy of the original signed agreement bearing my signature and itemized statements of the balance. 
Proof of authorization showing you have the legal right to collect or report this debt. 
Documentation of compliance with XXXX XXXX. XXXX, including how my nonpublic personal information was obtained, used, and disclosed with my consent. 


Until you provide full validation, you must : Cease all collection activity. 
Cease reporting this account to any consumer reporting agencies. 
Remove any unverified information already furnished to Experian, Equifax, and TransUnion. 


Be advised : continued reporting or sharing of my personal information without proper authorization violates federal law. If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

You are required by law to respond to this request within XXXX  days of receipt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief