vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I contacted XXXX to ask about my payment since I received a notification letter on XX/XX/year> saying I was approved and should be getting paid soon and told me I should be receiving payment within 14 days. Those 14 days passed and I called today XX/XX/year> to ask about my payment I havent received yet. I was informed that money network is responsible for issuing my payment to contact them. I did so, and asked them about my money. They just told me account has been compromised and to contact XXXX so they could help me. I called back XXXX  and told them what money network had said and XXXX told me that they couldnt do anything about it that it had to be resolved with money network. I called back to money network and was told they couldnt start a claim unless XXXX sends a notification clearing a fraud flag. I clarified that I have never received a card and XXXX had issued two payments already one on XX/XX/year> and another on XX/XX/year> but again never received a card and havent been able to get my money, their response was just we cant do anything about it you got to talk to XXXX. No one seems to help and I dont know what happened to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am disputing the way TD Bank USA/ Target is reporting this account on my credit report. The account shows a harge-off status, yet the balance is still listed as unpaid and derogatory which may incate inaccurate reportin. Additionally, the consumer disputes remark was recently removed without my request, and without explanation, even though I had an active dispute. 

According to the FAIR CREDIT REPORTING ACT ( FCRA ), information reported must be accurate and verifiable, I requested a reinvestigation, but the company failed to provide supporting documentation validating the reported baance-off, and derogatory status. 

I believe this reporting is unfair inaccurate, and not complaint with FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00}

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 2025-07-08 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: SC

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

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nSubject: Request for Investigation of Inaccurate Information on Credit Report\n\nDear [Experian / TransUnion / Equifax] Representative:\n\nI am writing to dispute inaccurate information appearing on my credit report related to the following account:\n\n- Creditor Name: XXXX XXXX XXXX XXXX\n- Reason for Dispute: The information is inaccurate and does not accurately reflect the account status.\n\nI am requesting a formal investigation pursuant to the Fair Credit Reporting Act (FCRA). I ask that you verify this information directly with the creditor. If you cannot verify its accuracy, I request that this account be removed from my credit history.\n\nI attach a copy of my government-issued ID and proof of address to validate my identity.\n\nI appreciate your attention to this matter and look forward to a written response within the legally mandated 30-day period.\n\nSincerely, 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 2025-07-08 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account to XXXX for a debt originally from Synchrony Bank. However, this account is not being reported to XXXX XXXX XXXX, which creates an inconsistency across the credit reporting system. Additionally, the account is marked as both Open and a Collection Account at the same time, which is contradictory. 

The payment history also shows OK payments after multiple charge-off months ( CO ), which is inaccurate and misleading. I requested validation of the debt and legal proof of XXXX XXXX right to report it, but they failed to provide any documentation. This violates both the FDCPA and FCRA 609 and 611. 

This inaccurate and unverified account is damaging my credit and must be 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 2025-07-08 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: Central Portfolio Control Inc.
State: CO

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: PA

Complaint narrative:
I previously submitted a complaint against XXXX XXXX regarding a disputed debt. I am now re-filing with updated information and documentation, including evidence that contradicts XXXX 's previous claims. 

On XX/XX/2025, I formally disputed the alleged debt under FDCPA 1692g and requested full validation. I also explicitly revoked consent for email contact and instructed XXXX to communicate only by postal mail, as allowed under FDCPA 1692c ( c ). After not receiving any response, I followed up by email on XX/XX/2025 because XXXX continued to contact me via email, and I wanted to ensure my concerns were clearly received. I also sent a certified letter, which was delivered on XX/XX/2025. 

Despite this : XXXX reported the debt to the credit bureaus on XX/XX/2025 after I disputed it and failed to report the account as disputed. 

They continued to contact me via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in direct violation of my written request and the FDCPA. 

These actions violate : FDCPA 1692g ( b ) continuing collection activity without validation FDCPA 1692c ( c ) continued contact after written cease communication request FCRA 623 ( a ) ( 3 ) failure to mark a disputed account as such FCRA 623 ( a ) ( 8 ) inaccurate credit reporting post-dispute In response to my BBB complaint, XXXX claimed the debt had been reported on XX/XX/2025, prior to my dispute. However, the credit report they themselves attached clearly shows : Collection Reported : XX/XX/2025 This confirms the reporting occurred after I submitted my dispute and contradicts their defense. Ive attached their own documentation to support this. 

Furthermore, XXXX initial communication clearly stated I had until XX/XX/2025, to dispute the debt. My dispute on XX/XX/2025, was therefore timely and valid under FDCPA. 

As of today, I have received no lawful debt validation. I request immediate corrective action, including removal of the tradeline, closure of the account, and cessation of all collection activity.

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 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX  , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 2025-07-08 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: CA

Complaint narrative:
Ive been raising concerns about the inaccuracies on my credit report for months, yet nothing has been resolved. Let me be clearthis complaint is not a mistake. These errors continue to create unnecessary obstacles during an already difficult time, compounding the negative impact on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Yesterday I saw a collections account added to my credit report. I take my credit very seriously. I did not recognize the origin, amount, or anything involved with the collection, so I called the source of the collection which was XXXX 

Today, I called XXXX XXXX about the issue. I was transferred to the collections company, the collections company sent me directly to voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
I demand you show proof remove this item account from my credit report by Federal law 15 USC1666B

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 2025-07-08 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information in My Credit Report To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. I am writing to demand an immediate and thorough reinvestigation of the inaccurate, incomplete, and unverified information listed on my credit report. You have previously received disputes regarding these accounts, yet failed to provide proper validation or documentation as required by federal law. 
1. REMOVE inaccurate name variations not matching XXXX XXXX XXXX. 
2. REMOVE unauthorized inquiry by XXXX XXXX XXXXXXXX dated XX/XX/year>, which has no linked account and violates FCRA 1681b. 
3. REMOVE : - XXXX XXXX account ending in XXXX : Charge-off reported without proper validation. 
- XXXX XXXX account ending in XXXX : Listed in collections, unvalidated and police report filed for identity theft. 
If you are unable to validate this information with original signed documentation from the data furnishers, you are required by law to delete or correct these items. Under FCRA 1681i and 1681e ( b ), and FDCPA 809 ( b ), I demand that these items be deleted within 15 days.

Additionally, I request : - Deletion of any inaccurate personal identifiers ( including name variations or incorrect addresses ). 
- Full disclosure of the reinvestigation procedures. 
- A response in writing confirming the outcomes of each dispute. 
- Financial remedy of {$1000.00} per violation pursuant to FCRA 1681n and FDCPA 813 ( a ) ( 2 ). 

Failure to comply will result in legal action and complaints to the CFPB, FTC, and State Attorney General. 

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 non-monetary relief
Consumer complaint received 2025-07-08 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-08 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: NJ

Complaint narrative:
Dear Credit Reporting Department, I am formally disputing the accuracy and completeness of the charge-off account reported by XXXX XXXX XXXX  ( XXXX XXXX ) on my credit report. As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am also invoking my right to request the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The account in question is reported as charged-off and delinquent ; however, I have reason to believe this information is incomplete, potentially inaccurate, and misleading for the following reasons : No sufficient debt validation has been provided.

There is no clear evidence of how the post-repossession deficiency balance was calculated.

If the debt was canceled or charged off and no longer being collected, it may require IRS Form 1099-C to have been issued.

Therefore, I request the following : 1. The complete method of verification used to confirm the accuracy of the reported charge-off.

2. A reinvestigation into this accounts reporting, including validation of the remaining balance.

3. A review to determine whether this account is being reported in a manner compliant with FCRAs accuracy standards.

If XXXX XXXX XXXX can not provide evidence that this debt is valid, current, and being reported accurately, I am requesting that this charge-off account be removed entirely from my credit report pursuant to 15 U.S.C. 1681i ( a ).

Please conduct a reasonable reinvestigation of this item and respond within the required 30-day period. Kindly provide written confirmation of the outcome. 

Sincerely, 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 2025-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Mishandled forbearance mishandled my personal information speaking to someone who is not on my account about my personal and account details. Made it impossible to make a payment and reported that i was not making payments with no attempts to help me make on time payments. Made multiple attempts to login to website and call to pay student loans and was unsuccessful because of incorrect account information

Company response to consumer: Closed with explanation