vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I received a letter from XXXX XXXX XXXX in response to my Debt Validation Request regarding an account they are reporting on behalf of XXXX XXXX. 
In their response, XXXX clearly stated that they were hired to handle the account on behalf of XXXX XXXX, which confirms that they are not the legal owner of the debt. 

Despite this, XXXX continues to report the account to Experian as a Collection/Charge-off with a balance of {$13000.00}, even though they have not provided proof of ownership, a Bill of Sale, payment history, or any valid documentation showing that this debt legally belongs to me. 

Their limited response failed to include : Evidence of debt assignment or transfer of ownership ; An itemized accounting statement showing how the alleged balance was calculated ; A verification document signed by the original creditor, XXXX XXXX ; Any proof that XXXX has the legal right to collect or report this debt. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( XXXX ) ( A ) ), because they are reporting unverified and inaccurate information to Experian while failing to provide legal proof upon request. 

I have also submitted disputes to Experian, but they continue to report the account as verified, without providing any documentation showing how the verification was completed. This ongoing inaccuracy has caused financial harm, stress, and damage to my credit reputation, as well as unnecessary delays in resolving my credit profile.

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 2025-10-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a XXXX XXXX XXXX XXXX  ( and other XXXX XXXX accounts ) for years and have been paying off balances every month with automatic payments of {$500.00} or more. I recently noticed fraudulent charges from XXXX 2025 on my account and contacted the company on I believe XX/XX/year> after checking my balance after the automatic payment went through. I noticed my account balance was going up so I checked transaction history. I usually just check balance. I contacted them and disputed XXXX transactions totaling {$1700.00}. They placed a conditional credit on the account at that time. Today, XX/XX/year>, I checked again and noticed the charges were again charged back to my account. When I called they claimed their investigation only consisted of checking my log in history and since I logged into my account ( probably just checking my balance ) during the time the charges were made that I am now responsible. They even had some of the wrong charges disputed. When I tried to explain it was only XXXX and XXXX charges that werent me, she just dismissed me. That is ridiculous. I pay by bills and for what I charge but do not want to pay for fraudulent charges. When I asked if they checked the cameras on the registers for the date and time of the fraudulent charges they said it was my responsibility to file a police report and have the police pull the camera footage. XXXX has much bigger things to deal with and will not waste that kind of resources on my {$1700.00} issue. XXXX XXXX could pull that footage easily and prove that it wasnt me making those charges but they refuse. I dont know what else to do. I have impeccable credit and always pay my bills but do not want to be responsible for charges I did not make. I hope you can help me resolve this issue.

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 monetary relief
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-13 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: VA

Complaint narrative:
Late payment entries appear on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should be included. I request that these entries be verified, and if they can not be confirmed, they should 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 2025-10-13 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: CA

Complaint narrative:
Subject : File of [ YOUR NAME ] XXXX XXXX Correct High Balance or delete You report High Balance : {$0.00} while stating Amount in H/C column is credit limit ( {$15000.00} ). 
XXXX reflect ongoing usage ( {$11000.00} ). Your {$0.00} High Balance is false and depresses utilization scoring. 
All late months disputed ( none shown, but disputed if present anywhere in your file ). 
Law : 607 ( b ) ; 611 ( 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ) ; Reg V 1022.42 ; XXXX. 
XXXX XXXX : XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX  ). 
Demand : Correct High Balance to the verified figure or delete the tradeline. 
Enclosures : ID ; address proof ; XXXX XXXX XXXX pages ; XXXX comparators. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX False {$0.00} XXXX XXXX XXXX : File of [ YOUR NAME ] XXXX  XXXX Correct credit limit or delete You report XXXX XXXX : {$0.00} on an open revolving card that reports {$300.00} to XXXX. This is inaccurate and harmful. 
All late months disputed ( if any appear ). 
Law : XXXX ( b ) ; XXXX ; XXXX XXXX XXXX ; XXXX. 
XXXX XXXX : XXXX ( Limit ), XXXX ( XXXX XXXX ), XXXX. 
Demand : Correct the limit to {$300.00} ( or verified figure ) or delete. 
Enclosures : ID ; address proof ; XXXX XXXX pages ; XXXX comparators. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting Dispute Codes Subject : File of [ YOUR NAME ] XXXX XXXXXXXX Remove conflicting dispute codes or delete You simultaneously show Consumer disputes this account information and Consumer disputes after resolution. Only XXXX dispute status can apply at a time. 
All late months disputed ( if any exist ). 
Law : XXXX ( b ) ; XXXX ; XXXX XXXX XXXX. 
XXXX XXXX : XXXX ( Compliance/Dispute code accuracy ), XXXX ( XXXX must XXXX ). 
Demand : Remove the erroneous code ( XXXX ) and retain only the accurate, current statusor delete the tradeline if you can not verify. 
Enclosures : ID ; address proof ; XXXX XXXX pages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I received an email from Vance & Huffman on XX/XX/year>, which included a debt validation letter. On XX/XX/year>, I received another email stating that Vance & Huffman would be reporting the account soon. On XX/XX/year>, I submitted a dispute through their online portal and requested supporting documents that were not available online. The portal informed me that the original creditor, XXXX, would provide those documents. 
After submitting the dispute, my online access to the portal was revoked. On XX/XX/year>, I sent a certified letter requesting specific documents that could not be requested through the portal, and it was delivered on XX/XX/year>. I also contacted their customer service email regarding my loss of portal access and the unavailable documents. A representative named XXXX informed me that my dispute submission had included a request to cease all communication, which was the reason for the access restriction. I clarified that I had not made such a request and asked that the cease communication status be removed so I could regain portal access. XXXX confirmed that the cease had been lifted and that my access would be restored within XXXX hours, but it never was. 
I later received a letter containing the original contract, which was sent on XX/XX/year>. On XX/XX/year>, I sent a follow-up email informing them that I had mailed a detailed certified letter requesting certain documents and that I would like to receive those requested items. I have not received a response, and I still do not have access to the online portal. 
I requested the following : XXXX. The name and address of the original creditor XXXX. The full amount claimed, and a breakdown of how the amount was calculated XXXX. A copy of any signed agreement or contract related to the alleged debt XXXX. Proof that your agency has the legal right to collect this debt, such as a bill of sale, assignment agreement, or other documentation showing your authority XXXX. If applicable, proof that your agency is licensed to collect debts in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I am writing to formerly express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The XXXX  findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My student loan was in deferment, but it was incorrectly reported as late and delinquent for two months. I was able to have this error temporarily removed from my Experian credit report, and the account was correctly marked as current. However, the late/delinquent status was later reinstated, even though the loan was never actually past due. Since the account was in deferment the entire time, Im requesting that all my accounts be updated to reflect that there were no late payments and that the loan was in deferment as originally documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
My student loan was in deferment, but it was incorrectly reported as late and delinquent for two months. I was able to have this error temporarily removed from my Experian credit report, and the account was correctly marked as current. However, the late/delinquent status was later reinstated, even though the loan was never actually past due. Since the account was in deferment the entire time, Im requesting that all my accounts be updated to reflect that there were no late payments and that the loan was in deferment as originally documented.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, that commitment has not been honored, and the inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns about possible identity theft and has caused ongoing emotional and financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-13 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-13 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: TX

Complaint narrative:
I recently wanted to purchase a vehicle, but the dealership informed me I have 'no score ' on my Experian credit file. I believe this issue stems from the fact that my personal information was compromised during the data breach that occurred atXX/XX/XXXX. Ever since receiving this adverse action, I have been trying to reach Experian to correct the situation, but by no means have I been able to reach a live agent. Even when contacting the Headquarters, the person who picked up the phone did the same and repeatedly transferred me back to the chatbot. 

As I am unable to connect with your staff, I require a representative from Experian 's XXXX XXXX XXXX XXXX to contact me directly to resolve this adverse action.

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 2025-10-13 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: KS

Complaint narrative:
This is a formal dispute and demand for independent reinvestigation under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) ), consistent with XXXX XXXX TransUnion, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX C.F.R. XXXX. XXXX XXXX codes are not proof. Obtain running statements/ledger showing the contract type, due date, amount due, payment receipt, and posting for every month youve reported.

Inaccuracy : XXXX XXXX secured credit card can not be coded Open account. It is Revolving. Any fixed rate style notation is also misleading on revolving products. 
All late months disputed : I dispute every month you coded as anything but XXXX. Provide the ledger ( due date, receipt, posting ) month-by-month. 
Metro 2 breaches : Field 10 ( Account Type ) ; Field 7 ( Portfolio Type ) ; Field 11 ( Special Comment/CII ) if any rate comment exists ; Field 22 ( Scheduled Monthly Payment ) must reflect revolving minimum methodology.

Relief demanded : Correct to Revolving/Secured Card and remove misleading comments ; if you can not independently verify to XXXX standard XXXX delete the tradeline pursuant to 1681i ( a ) ( 5 ) ( A ). I will file CFPB/FTC/AG complaints and sue under 616617 if you fail to comply.

Enclosures : ID ; proof of address ; highlighted TU pages for this item.

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
Radius Global Solutions LLC Is contacting me on behalf of XXXX . Im getting tired of their bullying and threatening tactics! I have told this to XXXX several times.

Im getting tired of these collection agencies always threatening me. If i do not respond by a certain date they assume everything is valid. Collection agencies get away with all types of abuses.

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