vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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:
This is a follow-up complaint regarding [ Experian / Equifax / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX === INQ === XXXX : 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 non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: PA

Complaint narrative:
For the past two years, LexisNexis has included an automobile loan on my insurance score. My loan was paid off in XX/XX/XXXX. In addition to that, they are adding " Number of credit union, savings and loan, or mortgage accounts open in the last 24 months is 1. ", which is also incorrect. This has affected my XXXX and now XXXX insurance rates. 

Last year I called and wrote to them and explained this information is incorrect and they refused to receive evidence or take it off the report, stating they have to go by their sources. I have re-ordered this year 's disclosure as evidence to take this next step by reporting to you. They need to be held accountable for their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
Yes, these account have been disputed as charged off/Paid and I have requested in writing and to investigate properly. The correct amount I owed and have stated this amount is wrong and needs to be removed from my credit several times as still no action have been taken nor provided. I have attached the only things they have sent and clearly it's not correct I have asked for a proper investigation. 
XXXX XXXX # XXXX Amount of Alleged Debt : {$330.00} Charge-Off and sold to XXXX XXXX XXXX XXXX  XXXX XXXX Sold account to : XXXX XXXX XXXX # XXXX Amount of Alleged Debt : {$2900.00} Reason for Dispute : Inaccurate information XXXX XXXX # XXXX Sold To : XXXX XXXX XXXX Amount of Alleged Debt : {$87.00} Reason for Dispute : CLOSED XXXX  XXXX XXXX ACCOUNT : XXXX Amount of Alleged Debt : {$3700.00} Reason for Dispute : CLOSE/Derogatory XXXX XXXX XXXX Amount of Alleged Debt : {$400.00} Reason for Dispute : Paid/Close XXXX XXXX XXXX  ACCOUNT : # XXXX Amount of Alleged Debt : {$720.00} Reason for Dispute : Paid/Closed & inaccurate information XXXX XXXX XXXX ACCOUNT : # XXXX Amount of Alleged Debt : {$200.00} Reason for Dispute : Paid/Closed & inaccurate information XXXX XXXX XXXX XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX ACCOUNT # XXXX Amount of Alleged Debt : {$340.00} Reason for Dispute : Close XXXX  ACCOUNT # 2 Amount of Alleged Debt : {$1500.00} Reason for Dispute : Close/Paid/Never late & Inaccurate Payment XXXX XXXX XXXX ACCOUNT # XXXX Amount of Alleged Debt : {$200.00} Reason for Dispute : Paid/Close/ inaccurate amount/ Never 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 2025-12-27 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: Fig Tech Inc.
State: UT

Complaint narrative:
XX/XX/year> not my account unknown account contacted multiple times wont give me information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Im having issues with XXXX XXXX they sold the debt to another company. I paid the debt with the company that acquired the debt. XXXX XXXX refuses to remove their entity on my credit report regardless of the debt being paid. All I want is for the account to be removed from my credit report Ive tried numerous disputes and have been disrespected by the companys during the conversations on trying to delete the account.

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 2025-12-27 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NJ

Complaint narrative:
I RAN MY CREDIT REPORTS AND NOTICED FRADULENT ACCOUNTS ON MY CREDIT REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NJ

Complaint narrative:
I RAN MY CREDIT REPORTS AND NOTICED FRADULENT ACCOUNTS ON MY CREDIT REPORTS

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
It is a XXXX card by Barclays bank, I used once about XXXX mo ago for airline ticket, paid off right away haven't used since Last spring they XXXX XXXX XXXX a charge was made at XXXX XXXX, which it wasn't since I use my XXXX XXXX card for purchases for my business. TheXXXX customer service said they had no charge put on my account with a XXXX card . I never heard back from Barclays until the last few months they call twice a day and text .I pickup the phone say hello nobody answers. Today I called the number on the text got a live person told them my situation and they did not respond. XXXX customer service lady said be careful they maybe be phishing. If someone used this XXXX for a false purchase it up to them to do there due diligence and verify the purchase. Now I'm not sure I should contact them since it could be a fraudulent number.

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 2025-12-27 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: BlueChip Financial
State: OH

Complaint narrative:
I filed a dispute with XXXX regarding a charged off loan. Loan amount was incorrect by more than {$1000.00}. XXXX did not bother to look into this at all. It is XXXX at XXXX when I submitted this and they had an instant decision. The information is incorrect on my report. And it is affecting my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: DISCOVER BANK
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XXXX owed- Lost employment with last employer, asked for Goodwill deletion due to secure card- used own funds to start to increase credit- not hurt credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CFPB FORMAL COMPLAINT & DISPUTE LETTER Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX DOB : XXXX Last 4 SSN : XXXX Date : XXXX Subject : Formal Complaint Inaccurate Credit Reporting & Failure to Maintain Maximum Possible Accuracy To Whom It May Concern, I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information currently being reported on my consumer credit file. The information outlined below violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and, where applicable, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

Disputed Account # 1 : XXXX XXXX Account Type : Credit Card Status Reported : Charged Off This account contains multiple material inaccuracies, including but not limited to : 1.A reported highest balance exceeding the stated credit limit without itemized documentation.

2.Improper simultaneous reporting as charged off and past due, which is logically and legally inconsistent.

3.Continued balance and status updates after charge-off, indicating improper ongoing reporting.

4.Failure to clearly disclose or accurately report the Date of First Delinquency, raising concerns of unlawful re-aging.

These issues violate 15 U.S.C. 1681e ( b ), 1681s-2 ( a ), and 1681c ( a ).

_______ Disputed Account # 2 : XXXX  XXXX XXXX Account Type : Collection This collection account is reporting without lawful verification and contains incomplete and misleading data, including : 1.Failure to provide proper debt validation, including proof of ownership, authority to collect, and itemized accounting.

2.Unexplained discrepancies between the original balance and current balance.

3.Potential duplicate reporting of the same alleged debt alongside the original creditor.

These issues violate 15 U.S.C. 1692g, 1681e ( b ), and 1681s-2 ( b ).

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 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP
State: MS

Complaint narrative:
I viewed my credit report and found this collection agency adverse charge on my report.i request the original bill that I signed with them to have them report in the formation on my credit report I never authorized

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: AL

Complaint narrative:
I am requesting that you conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. If the information can not be verified with competent evidence, it must be deleted or corrected immediately. Please provide written confirmation of the results of your reinvestigation and an updated copy of my credit report. If you verify this information, please include the method of verification, including the name, address, and telephone number of the party who verified the information. Enclosed are copies of documents supporting my position. Please note that this letter is not an admission of liability for any alleged debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Academy Mortgage Corporation
State: TX

Complaint narrative:
I had be resigned from a job and could not make all the payments.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 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: UT

Complaint narrative:
Opened XX/XX/year> unknown account not mine over XXXX years removal requested

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 2025-12-27 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: UT

Complaint narrative:
Opened XXXX  unknown account not mine over 7 years removal requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: AL

Complaint narrative:
I am requesting that you conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. If the information can not be verified with competent evidence, it must be deleted or corrected immediately. Please provide written confirmation of the results of your reinvestigation and an updated copy of my credit report. If you verify this information, please include the method of verification, including the name, address, and telephone number of the party who verified the information. Enclosed are copies of documents supporting my position. Please note that this letter is not an admission of liability for any alleged debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion for inaccurate and contradictory reporting of a XXXX account ( ending in XXXX ). 

On XX/XX/XXXX, I settled this account for {$670.00}. My TransUnion report correctly shows a {$0.00} balance and the remark 'SETTLED-LESS THAN FULL BLNC '. However, the 'Pay Status ' field still incorrectly labels the account as 'Account paid in Full was a Charge-off '. 

An account can not be both 'Settled ' and an active 'Charge-off. ' This contradictory reporting is a violation of the FCRA requirement for maximum possible accuracy. I have disputed this twice ( XXXX and XX/XX/XXXX ), but TransUnion has failed to correct the Pay Status to properly reflect that the account is simply 'Settled. ' I am attaching my settlement letter and my TransUnion report showing these conflicting data points.

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 2025-12-27 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: PA

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 2025-12-27 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: FL

Complaint narrative:
In XX/XX/year>, Chime allowed someone to fraudulently open both a credit and debit card in my name. I called customer services three times to close the accounts. After submitting an FTC identity theft report on XX/XX/year>, the third representative I spoke with requested the debit card number and claimed he closed all cards associated with the account. He would not allow me to share the credit card number to verify that it has also been deactivated. He could not confirm that he saw a credit card on my account, simply stating that everything associated with the account was closed. When I asked that additional fraud protection be applied by preventing any further cards from being opened using my personal information, the representative unprofessionally hung up on me, claiming he could help no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I closed my account and the company continues to charge me they also Made a payment arrangement to close it a second time and they kept charging my bank after it was paid in full as if I still had the credit card.... years later Synchrony Ebay PayPal engages in very fraudulent behavior Mainly it seems thru their XXXX staff,

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