vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
I am submitting this complaint because the credit bureau is reporting a bankruptcy on my credit file without a permissible purpose and without providing Method of Verification, in violation of the Fair Credit Reporting Act ( FCRA ).

I have repeatedly requested the bureau to verify the bankruptcy, including : Source of the information Who verified it How it was verified What documents were used The bureau has not provided this information.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am legally entitled to a Method of Verification, and they have failed to provide it. 

If the bankruptcy can not be verified, it 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 2025-11-17 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: MI

Complaint narrative:
I am submitting this complaint because the credit bureau is reporting a bankruptcy on my credit file without a permissible purpose and without providing Method of Verification, in violation of the Fair Credit Reporting Act ( FCRA ).

I have repeatedly requested the bureau to verify the bankruptcy, including : Source of the information Who verified it How it was verified What documents were used The bureau has not provided this information.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am legally entitled to a Method of Verification, and they have failed to provide it. 

If the bankruptcy can not be verified, it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MO

Complaint narrative:
1 am the victim of identity theft and fraudulent use of my personal information.

The accounts listed below were not opened by me, not authorized by me, and not connected to any legitimate activity I engaged in.

These accounts were fraudulently created using my : Name Social Security number Date of birth Personal identifiers The fraudulent activity has resulted in negative credit reporting, collection activity, and financial harm.

I have never applied for, opened, used, or approved ANY of the accounts listed below. Fraudulent Accounts ( All Must Be Deleted ) 1. XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  - FRAUD Account # XXXX - FRAUD 2. XXXX XXXX XXXX  Account # XXXX - FRAUD 3. XXXX XXXX  Account # XXXX - FRAUD 4. XXXX XXXX XXXX  Account # XXXX - FRAUD 5. XXXX XXXX XXXX XXXX Account # XXXX - FRAUD This company is attempting to collect a debt on an account I NEVER opened.

FCRA Violations 15 U.S.C. 1681c-2 Identity theft blocking required 15 U.S.C. 1681i Failure to reinvestigate disputes 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 605B Must block fraudulent information within 4 days FDCPA Violations ( for collection accounts ) 15 U.S.C. 1692e ( 2 ) - False representation of a debt 15 U.S.C. 1692e ( 8 ) - Reporting information known to be false 15 U.S.C. 1692g ( b ) Must cease collection until debt is validated Identity Theft Enforcement FACTA Identity Theft Red Flags Rule Failure to use reasonable procedures to prevent 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 explanation
Consumer complaint received 2025-11-17 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 am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting an illegal and invalid collection account that was created in direct violation of Florida Statute 83.49 ( 3 ) ( a ). 

The landlord issued a Final Statement of Deposit and transferred the account to collections only 3 days after I vacated the property. Florida law requires : A 30-day written notice of intention to impose a claim Sent by certified mail Before charging or transferring any balance No notice was ever sent. 
Therefore, the landlord forfeited all rights to impose any claim. 
This means no valid debt exists under Florida law. 

XXXX XXXX XXXX is reporting a debt that can not be validated, making the reporting inaccurate, unlawful, and in violation of FCRA and FDCPA. 

I am requesting immediate intervention because this illegal collection is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing this complaint because I have discovered multiple inaccurate, conflicting, and improperly reported accounts across Experian, Equifax, and TransUnion, and despite my attempts to have these errors corrected, they continue to harm my credit profile and violate the Fair Credit Reporting Act ( FCRA ). All three credit bureaus are reporting XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  with a balance of {$28000.00} * *, yet the information being furnished is inconsistent with my actual account history and appears unverifiable, leading me to believe that the data being provided has not been properly investigated or validated as required under FCRA 1681e ( b ) and 1681i. Additionally, Experian is reporting XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4800.00}, yet that very same account is also being reported by Experian and TransUnion as tied up with a {$0.00} balance, creating a direct contradiction that can not logically or legally coexist. These inconsistencies between balances, statuses, and reporting patterns indicate that the furnishers and credit bureaus have failed in their obligation to maintain accuracy and ensure maximum possible precision before publishing information to my consumer file. This ongoing mishandling has left me confused, stressed, and unfairly penalized by information that is not reflective of my true financial position. I am requesting CFPB assistance because the reporting agencies and furnishers have not resolved these inaccuracies, and I feel that my rights under the FCRA are being ignored, leaving me unable to obtain the fair credit representation the law entitles me to.

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 2025-11-17 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
I authorized a purchase through paypal for a specific card to be used. That card was declined and instead of Payapl declining the transaction they charged the transaction to another account without my knowledge. That charge created a debt that I am unable to pay. I have requested that the transaction be reversed and Paypal has declined. In addition the company that I initiated the transaction with did not respond for 4-6 days after the transaction. I requested the transaction be refunded through paypal for lack of delivery of service. So these are two instances where the transaction should have been voided and Paypal failed to comply. Ultimately if the card I authorized declined the transaction, Paypal should not have taken it upon themselves to create an account to initiate a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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, XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, attest under penalty of perjury under the laws of the State of Texas that I am a verified victim of identity theft arising from the XXXX  XXXX XXXX data breach and that my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the Electronic Signatures in Global and National Commerce Act ( 15 U.S.C. 7001 ( c ) ) have been flagrantly violated. Your continued reporting of fraudulent accounts in my name, without my knowledge, consent, or any permissible purpose, constitutes willful non-compliance with federal consumer protection statutes and Texas state law, including the Texas Identity Theft Enforcement and Protection Act ( Texas Business and Commerce Code Chapter 521 ), the Texas Deceptive Trade Practices-Consumer Protection Act ( Texas Business and Commerce Code Chapter 17 ), and related provisions of the Texas Penal Code regarding identity theft and fraudulent use of identifying information. The following accounts, each opened and reported without my authorization, have inflicted significant damage upon my creditworthiness, financial stability, and personal well-being : 1. XXXX  XXXX XXXX # XXXX Bal $ XXXX Opened XX/XX/XXXX 2. XXXX XXXX XXXX/ # XXXX/Bal $ XXXXOpened XX/XX/XXXX 3. 4. XXXX XXXX # XXXX Bal : $ XXXX Opened XX/XX/XXXX 5. XXXX XXXX. XXXX Bal : $ XXXX Opened : XX/XX/XXXX None of these accounts were initiated by me, nor have I ever given consent for their opening, reporting, or sharing. Your reckless failure to verify the authenticity of these accounts, to investigate my disputes in accordance with 15 U.S.C. 1681i ( a ), and to maintain reasonable procedures to assure maximum accuracy under 15 U.S.C. 1681e ( b ) constitutes gross negligence and willful violation of the FCRA.

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 2025-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: GUARANTEED RATE INC.
State: OH

Complaint narrative:
My loan application was for a Home Equity Line of Credit ( HELOC ) on my property at XXXX XXXX XXXX, which is fully paid and has no Homeowners Association ( HOA ). During the application, Guaranteed Rate made several significant errors and unreasonable requests : Inaccurate Deed and Title Information : The lender inaccurately referenced a third party on the title, XXXX XXXX who is my daughter and was removed from the title several years ago. This suggests a lack of due diligence in reviewing the official property records. 

Attempted Attachments of Incorrect Property : Guaranteed Rate attempted to attach an entirely separate property at XXXX XXXX XXXX to the loan. This property belongs solely to my wife, XXXX XXXX, and has no association with the HELOC application. 

Irrelevant and Invasive Personal Requests : The lender requested my divorce decree, despite my having been divorced for over 12 years. The property used for the HELOC was never associated with my ex-wifes name, making this request completely irrelevant and an overreach. 

Repetitive and Redundant Document Demands : The company repeatedly requested rental insurance information ( three separate times ). After I provided the insurance three times through my insurance agent and myself, they added their name to the Homeowner Insurance policy, only to deny the loan or continued to requested documents that I already provided. This along with various repetitive questions, created an unnecessary and frustrating burden, suggesting a lack of coordination and professional attention to my file. 

The combination of these inaccurate actions and unreasonable demands has led me to believe that Guaranteed Rate was not acting in good faith. I have provided Guaranteed Rate with Emails and other evidence to support my complaint. We contact Guaranteed Rate and request the loan be cancelled and wish to apply for signature loan for {$50000.00}. We never heard back from any representative from Guaranteed Rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I have provided all credit bureaus with FTC report no information I need to remove the debt does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
XXXX  and XXXX opened a line of credit in my name without my authorization. XXXX already had an existing contract with me for alarm services totaling {$1900.00}. Without my consent, XXXX initiated financing through XXXX  for an additional {$1500.00}. XXXX  began withdrawing payments starting in XX/XX/XXXX and charging me 25.99 % interest. I never agreed to this account, never signed for it, and did not authorize a credit check or financing. At the same time, XXXX continued to bill me directly for the same service, creating duplicate charges. On XX/XX/XXXX I called fortiva customer service to request a copy of this signed contract I am requesting : Closure of the unauthorized XXXX  account Removal from my credit report Refund of all payments and interest Correction of XXXX billing Verification of documents XXXX  claims show I authorized financing This account was opened without my permission, and I want full correction and reimbursement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it. 

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it XXXX acct ending in XXXX reported balance {$3800.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX XXXX acct ending in XXXX reported balance {$820.00} status : [ Collection/Charge-off/Late pays ] XXXX acct ending in XXXX reported balance {$3300.00} status : LATE PAYMENT * * * * 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 XXXX acct ending in XXXX reported balance {$0.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending XXXX reported balance {$1300.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending in XXXX reported balance {$710.00} status : [ Collection/Charge-off/Late pays ] RESURGENT LVNV acct ending in XXXX reported balance {$440.00} status : [ Collection/Charge-off/Late pays ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting an account on my XXXX  credit report as a collection, despite a {$0.00} balance, no active delinquency, and no outstanding obligation. The tradeline has been reporting continuously since 2011, which is well beyond the 7-year limit established under the Fair Credit Reporting Act ( FCRA ). 

This account is obsolete, misleading, and inaccurate, and XXXX has failed to remove it despite being notified. 

Specific Issues : The account shows no balance owed, which means there is no permissible purpose to continue furnishing this information. 
The tradeline has been reporting for over 13 years, violating FCRA 1681c ( a ), which limits negative reporting to 7 years.

XXXX continues to report this as a c
ollection even though the obligation has been paid, satisfied, and closed, which misleads lenders and violates FCRA 1681e ( b ) ( maximum possible accuracy ).

This is outdated, incomplete, and unverifiable, triggering my right to deletion under FCRA 1681i ( a ). 

This erroneous reporting is harming my credit profile and causing unfair denial of credit opportunities.

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 2025-11-17 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: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX 
Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) .. Their refusal to comply continues to cause harm to my creditworthiness and financial well- being. 

XXXX XXXXXXXX

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 2025-11-17 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid {$2500.00} for a two-year software subscription with a company called XXXX XXXX. The product was defective from the beginning. Multiple features did not work, emails were not sending, automations failed, and support acknowledged ongoing bugs. They gave me six months free but the issues continued. Even after they created a new account for me, the software still did not function as advertised. 

I requested a refund within the active service period. Instead of processing the refund, the company stalled communication until I was outside their internal refund window. They intentionally delayed responses and never resolved any of the service issues I reported. 

I filed a dispute with Truist Bank for services not rendered. Truist denied my dispute solely based on their XXXX timing rule, even though this was not an unauthorized transaction it was a case of a merchant failing to provide the services paid for. Truist refused to evaluate the evidence I provided, including proof of the defective software, repeated service failures, and the merchants stall tactics. 

I requested documentation from Truist to support their denial, but they did not provide any evidence or investigation records.

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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I borrowed {$1800.00} and the company is charging me interest of 512 %. They're taking {$400.00} out of every paycheck I get. wasn't aware that the repayment amount was going to be that high or I wouldn't have agreed to the terms. The company isn't licensed to practice in California and I want to get out of the contract.

Company response to consumer: Closed with explanation