vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: NC

Complaint narrative:
I am disputing the accuracy and completeness of the information being reported on my credit file. The following accounts are reporting unverifiable, outdated, and/or inconsistent information across TransUnion, Equifax, and Experian, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

On XX/XX/year>, an account with a reported balance of {$2900.00} / $ XXXX {$17000.00} / {$7800.00} / {$11000.00} was listed as " in good standing '' by one bureau, while another bureau reported the account with late payments and an inaccurate status. I have not received proper documentation validating this account, nor have I received notice of delinquency from the furnisher as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

Additionally, the payment history dates are inconsistent between bureaus, with one reporting last activity in XX/XX/year> and another reporting last activity in XX/XX/year>. These conflicting dates make the information unreliable and unverifiable under FCRA standards. 

I have contacted the original creditor previously requesting validation of the debt and a correction of any inaccurate reporting, but no corrected documentation was provided. As such, this information must be investigated, verified, and permanently deleted if the furnisher can not provide written proof of accuracy and completeness.

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 2025-09-19 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: NC

Complaint narrative:
I am disputing the accuracy and completeness of the information being reported on my credit file. The following accounts are reporting unverifiable, outdated, and/or inconsistent information across TransUnion, Equifax, and Experian, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

On XX/XX/year>, an account with a reported balance of {$2900.00} / $ XXXX {$17000.00} / {$7800.00} / {$11000.00} was listed as " in good standing '' by one bureau, while another bureau reported the account with late payments and an inaccurate status. I have not received proper documentation validating this account, nor have I received notice of delinquency from the furnisher as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

Additionally, the payment history dates are inconsistent between bureaus, with one reporting last activity in XX/XX/year> and another reporting last activity in XX/XX/year>. These conflicting dates make the information unreliable and unverifiable under FCRA standards. 

I have contacted the original creditor previously requesting validation of the debt and a correction of any inaccurate reporting, but no corrected documentation was provided. As such, this information must be investigated, verified, and permanently deleted if the furnisher can not provide written proof of accuracy and completeness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] LVNV FUNDING LLC ACCOUNT OPEN ON XXXX XXXX {$650.00} LVNV FUNDING LLC ACCOUNT OPEN ON XXXX XXXX {$920.00} COLLECTION BUREAU OF ACCOUNT OPEN ON XXXX XXXX {$4100.00} * * Subject : Request for Debt Validation Account XXXX open XXXX XXXX To Whom It May Concern, I am writing in response to your notice dated * * [ Date of Letter, if available ] * * regarding a debt you claim I owe. Under * * 15 U.S.C. 1692g * * of the * * Fair Debt Collection Practices Act ( FDCPA ) * *, I formally request that you provide * * validation of this debt * *. Please provide the following : XXXX. * * Proof that I am legally responsible * * for this debt ( XXXX  a signed contract or agreement ). XXXX. * * The original creditors name and address * *, along with the * * original account number * *. XXXX. * * A detailed breakdown * * of the debt amount, including : - Principal balance - Interest/fees added - Payments/credits applied XXXX. * * Verification that XXXX XXXX XXXX is legally authorized * * to collect this debt. XXXX. * * Proof the debt is within the statute of limitations * * for collection in [ Your State ]. * * Until proper validation is provided : * * - I * * dispute * * this debt. - You must * * cease all collection efforts * *, including calls and credit reporting. - Do * * not * * report this debt to any credit bureau until validation is furnished. If you can not validate this debt, * * remove it from my credit report immediately * * and close this matter. * * This is not a refusal to pay, but a lawful request for validation under federal law. * * Sincerely, * * [ XXXX XXXX ] * * [ XXXX : XXXX From XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have attached a full list of all unauthorized transactions to this complaint. The total disputed amount is {$22000.00}, all sent to XXXX XXXX XXXX ' between XX/XX/XXXX and XX/XX/year>.

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 2025-09-19 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-19 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: TX

Complaint narrative:
The review inaccurately describes my financial outlook.

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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I attempted to open a Chime account multiple times under my email XXXX but each time my application is automatically denied i even tried another email XXXX and its still the same. The message I receive says that I can not be approved and that XXXX XXXX  can not provide a reason why. I contacted Chime for clarification but they would not explain the reason for the denial. 

I believe I should be entitled to a clear explanation of why my application is being rejected, especially if the decision is based on information in a consumer reporting database ( such as XXXX  or XXXX XXXX XXXX  ). Without that information, I can not take any steps to correct errors or resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to request a XXXX  XXXX  ( XXXX XXXX ) with all XXXX major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a XXXX XXXX 
I am concerned that without this XXXX, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX dated XX/XX/year> from Synchrony XXXX  regarding a request to open a XXXX XXXX credit card. I made no such request and this is fraudulent.

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 2025-09-19 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: CT

Complaint narrative:
After reviewing my credit report I noticed fraudulent activity and inaccuracies. My personal information was exposed in a XXXX XXXX BREACH. According to the Fair Credit Reporting Act ( FCRA ) section XXXX ( XXXX U XXXX C XXXX ), I am challenging all inaccuracies or deficiencies of reporting from my credit report. The information in my profile needs to be accurate and complete, so I am asking you to follow the XXXX XXXX compliance standards and FCRA law to ensure that all data is accurate and up-to-date. If you find any misrepresentation of facts on my credit report, it can have serious consequences, so I need you to fix these problems right away. From this point forward, I only want factually accurate, verified, and compliant data documented on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I'm assuming this complaint because the US department of education DOE and his contractors and continue to enforce a federal XXXX loan that I originated with XXXX XXXX in XXXX the XXXX in XXXX XXXX  was terminated in XXXX XXXX XXXX the program borrower should have been advised of the right to consolidate into a direct loan program. I was never notified for anything instead of the loan alt, the treasury offset program sees multiple tax refunds between XXXX and XXXX DOE practices amount to in proper assignment failure to disclose available remedies and deceptive collection practices. They canceled me prolonged default, Credit damages, loss of refunds and serious physical and mental hardship will I try to support myself with freelance work and heal from my injuries and XXXX I have documented this within enclosed master promissory note of XXXX treasury offset notice and the damage collections! Immediate review in full accountant of my loan file and all assignment. Transfers, collections cleaning of credit reporting and loan status expedient pathway into consolidation or settlement with reasonable terms a clear my books. I need a regulatory review of the DOE 's disclosure assignment practices. I need restoration compensation for improper seized refunds. Correction cleaning up Credit. I need everything all set to clear my books for me. In proper assignment notice practice for collector services. I request a CFPB exam DOEs handling a borrower notes assignment since XXXX 's XXXX termination. I found a notice of breach and serve DOE with the demand note seeking settlement if DOE would not redeem I request CFPB assistance to assure the agency provides an explanation, corrects my records and stops harmful practices..

Company response to consumer: Untimely response
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE XXXX  XXXX XXXX WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA XXXX XXXX ( XXXX XXXX XXXXXXXX ). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. This regulation mandates that credit. Here is the item I am asking you to verify as accurate : EXPERIAN [ Acct : XXXX ] [ Acct XXXX XXXX XXXX XXXX XXXX XXXX ] [ Acct : XXXX XXXX ] [ Acct XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Acct : XXXX XXXX XXXX XXXX ] [ Acct XXXX XXXX XXXX XXXX XXXX XXXX ] [ Acct : 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 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 2025-09-19 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Inaccurate information credit report on account that been XXXX  and XXXX. Requested validation of sign contract, balance, payment history. XXXX letter to report negative remarks on my 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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/XXXX, a debit card transaction of {$440.00} was charged to my Huntington account by XXXX XXXX XXXX XXXX tuition payment plan ). 

At that time, I had already made prior payments of {$380.00} directly through the XXXX XXXX portal ( separate from XXXX ). My payment history is : XX/XX/XXXX {$150.00} ( initial fee ) XX/XX/XXXX {$300.00} ( direct to Century ) XX/XX/XXXX {$54.00} ( direct to Century ) XX/XX/XXXX ( before the auto-charge ) {$30.00} ( direct to Century ) This totals {$380.00} in payments that reduced my balance before the XXXX installment. 

Despite this, XXXX auto-charged the full {$440.00} installment on XX/XX/XXXX as if no prior payments had been made. At that point, my true balance should have been only {$63.00} ( {$440.00} {$380.00} ). This resulted in an overcharge of {$380.00}. 

The XXXX XXXX XXXX later confirmed this sequence : The {$440.00} XXXX payment was applied, My earlier {$380.00} was credited afterward ( about a week later ), My balance was adjusted to {$63.00}, I paid {$63.00} on XX/XX/XXXX, closing my account at {$0.00}. 

I filed a dispute with XXXX, but the bank closed the case and told me to resolve it with the merchant. However, the merchant has confirmed they can not issue a refund because my tuition now shows {$0.00}. 

This is not a tuition issue it is a billing error under Regulation E. On XX/XX/XXXX, the incorrect amount of {$440.00} was debited, when only {$63.00} was actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability agai
nst the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-09-19 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:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

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 2025-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am disputing the accuracy and fairness of the reporting on my World Omni auto loan account ( s ). 
My credit report lists the last payment as XX/XX/year>, but I stopped paying in XX/XX/year> when the vehicle was repossessed. Reporting a later payment date is inaccurate and unfairly extends the negative reporting period. This constitutes re-aging of the account, a violation of the Fair Credit Reporting Act ( FCRA ). 
Because the information being furnished is invalid, I am requesting that this account be removed entirely from my credit report. 
Additionally, I now have two auto loan charge-offs from World Omni on my credit. This is because the dealer originally sold me a defective ( lemon ) car, and World Omni replaced it with a different vehicle. This situation was not caused by me, yet I am being penalized with two derogatory tradelines for one original loan. This is both inaccurate and unfair reporting. 

These errors are significantly harming my creditworthiness and do not reflect a fair or accurate history. I request that both derogatory accounts be removed from my credit report immediately. 

Please investigate this matter promptly and provide me with written confirmation of the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

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

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

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-19 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: FL

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

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

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief