vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-12-15 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: SC

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-15 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-15 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: TN

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-12-15 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as my FINAL NOTICE regarding the continued reporting of inaccurate, inconsistent, and unverifiable information for the above-referenced XXXX  XXXX  XXXX account XXXX 

This account has already been DELETED by XXXX, yet XXXX  and TransUnion continue to report the same account as negative and charged off, which creates a material inconsistency across consumer reporting agencies.

Once an account is deleted by one CRA due to verification failure, the continued reporting of that same tradeline by other CRAs is a direct violation of the Fair Credit Reporting Act.

1. FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy Your reporting contains multiple contradictions that make the account impossible to verify : Different Date Opened across bureaus Different Date Closed ( some show closed, others do not ) Different Last Activity Dates Different Last Payment Dates Different Account Status ( Deleted vs Negative ) An account can not legally exist in multiple factual states at the same time.

This alone requires immediate deletion. 

2. XXXX  Deletion = Inherent Non-Verifiability XXXX has already deleted this account, which confirms that : The furnisher could not properly verify the account The data could not be substantiated with documentation The information failed reinvestigation standards If the account were truly accurate and verifiable, all three bureaus would report it consistently. 

Your continued reporting proves that the information is not reliable and not legally verifiable. 

XXXX. FCRA XXXX Failure to Conduct a Reasonable Reinvestigation Despite prior disputes : No inconsistencies were corrected No documentation was provided No explanation was given for the XXXX  deletion No Method of Verification was disclosed Merely responding verified without addressing these discrepancies does not constitute a reasonable reinvestigation under federal law. 

4. FCRA 1681s-2 ( a ) Furnisher Reporting Conflicting Data XXXX  XXXX XXXX is furnishing different versions of the same account to different CRAs. 

This violates their duty to provide accurate and complete information and renders the tradeline legally unreportable.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I disputed this debt and requested full validation from LVNV Funding in writing on XX/XX/year>. I asked for the name of the original creditor, the amount owed with a breakdown, and proof that LVNV Funding owns the debt. LVNV Funding never responded to my validation request. Despite this, they verified the account as accurate with XXXX, and it continues to be reported on my credit report without having provided the required validation. I am requesting that LVNV Funding either provide proper validation or stop reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-15 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-15 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: AR

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I've been gone on vacation since XXXX I returned XX/XX/XXXX realizing all my debit cards has been stolen I reached out to Capital One Capital One denying my dispute which I know is fraudulent because my money is insured by the FDIC ate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CO

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-15 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: IL

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them.

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-12-15 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MO

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness.

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
COMPLAINT SUMMARY : Lender originated {$130000.00} loan on XX/XX/year> promising to pay {$6700.00} to XXXX XXXX as debt consolidation. Lender admitted " transaction was not successfully processed '' but refuses to reduce principal or refund interest. 

KEY FACTS : - XXXX days since origination - XXXX days since breach ( check delivered but never cashed ) - XXXXXXXX  days since I first notified lender - XXXX days since lender explicitly refused to remedy - XXXX days past my formal deadline - {$250.00} in interest charged on funds never disbursed - Continuing harm : $ XXXX VIOLATIONS : - TILA : False " Amount Financed '' disclosure ( XXXX  days ) - Unjust Enrichment : {$250.00} charged on undisbursed funds - Bad Faith : XXXX  days of ignoring notices, refusing remedy - Predatory Rate : 21.14 % APR despite XXXX credit score, $ XXXX income LENDER 'S ADMISSIONS : - " Transaction was not successfully processed '' ( XX/XX/year> ) - " BHG can not reduce your loan balance '' ( refusal to remedy ) - Offered wrong remedy ( cash payment vs. principal reduction ) RELIEF SOUGHT : - Principal reduction : {$6700.00} ( retroactive to XX/XX/year> ) - Interest refund : $ XXXX ( growing $ XXXX ) - Corrected loan documentation - Investigation of systemic practices - Penalties for bad faith violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MA

Complaint narrative:
I AM A VICTIM OF HUXXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have an old PayPal account from my main email which is XXXX and I was going to add that email to my other PayPal account which I use. So I wanted to have my main email on my PayPal account. And the security questions and all that just end up in a loop. My email on the account is active but it comes down to an old phone number that I have no access to and even after answering the security questions it won't give me any other option but to use the old phone number so I called customer service and the lady said all that I can do is donate the money. And that sounds ridiculous. So here I am there's {$25.00} in my account. And PayPal will not reset my password when I have the email I answer the security questions correctly and I have no access to that phone number so there's no way for me to get into the account. 
My previous address just in case XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year> XXXX I messaged XXXX XXXX XXXX XXXX XXXX XXXX sell me a film camera. 

XX/XX/XXXX XXXX XXXX mentioned a price, mentioned he accepted to ship product if I provided label and demanded immediate payment before shipping XX/XX/XXXX XXXX XXXX mentioned he needs to pack camera in shipping box and would deliver to XXXX  before XXXX XX/XX/XXXX XXXX XXXX finally response saying XXXX is closed and he did not get a chance to mail. 

XX/XX/XXXX XXXX XXXX XXXX his " wife has a car accident and he needed to help replace her tire on highway '' causing him to not ship camera. For 2x days? 

XX/XX/XXXX XXXX XXXX finally admits to shipping product but shipping label was backwards .. product ended up shipping right back to XXXX 2x days. 

XX/XX/XXXX XXXX XXXX texts saying package delivered to his address. 

I have not been able to get a single reply from XXXX since XX/XX/year> at XXXX. I have sent him 12x messages on XXXX XXXX, no reply. Additional 3x texts to personal direct message and also offered to pay for gas/new shipping label to correct the issue. 

XXXX is not working with me, has scammed my investment of {$200.00} + {$36.00} in shipping labels and will not ship me the product if was sold. 

Chime was the bank used to pay XXXX, his chime account is : XXXX XXXXXXXX XXXX XXXX funds to this account, he confirmed delivery of money and will not sell me product. 

Chime as a bank provider is not assisting me with this issue and requests me to get in contact with the seller to refund my money... well theres the joke I can not get in contact at all with the seller or seller is purposely ignoring after funds received. I got scammed and I have lost money. My bank, chime, will not step in to assist with me on this matter. 

I want to report both XXXX XXXX and Chime Banking to CFPB for scamming and untrustworthy banking practices. 

The wrong shipping label was used, m XXXX recieved funds, mailed product back to XXXX unintentionally and XXXX will not respond to messages or sell me goods/services. Chime will not refund or assist me with this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
Would you review this entry? Its timing seems off, and it may be wrong.

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 2025-12-15 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:
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 2025-12-15 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: TN

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief