vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am submitting this complaint as a formal dispute and request for correction regarding certain accounts appearing on my credit report. I have taken the time to carefully review my credit file in its entirety, and it has become clear that several accounts are currently being reported in a manner that does not fully or accurately reflect their true payment performance, resolution, and overall status. My intent with this correspondence is to ensure that my credit report reflects complete, fair, and accurate information, as required by federal law. 
My credit history represents years of financial responsibility, effort, and follow-through. While occasional timing issues may arise in the course of managing financial obligations, those situations do not define the final outcome or overall performance of an account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX reported in XXXX and XXXX Under the Fair Credit Reporting Act, specifically XXXX U.S.C. XXXX ( CRA XXXX ), I am entitled to dispute information that is inaccurate, incomplete, or not presented with maximum possible accuracy. Once a dispute is received, is required to conduct a reasonable reinvestigation and ensure that the information reported truly reflects the status and history of the account. Additionally, FCRA XXXX ( a ) ( XXXX ) requires furnishers to promptly correct and update information once they become aware that previously reported data is not accurate or complete, while FCRA XXXX ( b ) mandates a full investigation by furnishers upon notice of a dispute from a consumer reporting agency.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I ask the CFPB please read the court filings there is no dealings with me or PRA, llc and all the so called evidence they send is paid statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Flexible Finance, Inc.
State: OH

Complaint narrative:
The company is called Flex - which is a company who helps pay rent in two monthly payments to help me with balancing my bills. Flex has dropped the ball in XXXX and for some reason neglected to pay my rent on time due to they didnt autopay it out like they have done since XX/XX/year>. I had my account preloaded with the first payment to be processed by the first and was made aware by my apartment complex my rent wasnt paid. This was now on XXXX. I had to request flex to explain why they didnt pay and of course I was given the run around and court served court eviction papers which came with court fees of XXXX XXXX Which then again happened this Month, and my funds were on the app again and they once again neglected paying my rent. Last month I paid XXXX $ with late fees and court fees not including check fees .. and now my rent for XXXX is still not paid and I have literally talked to 7 different people at flex via email still wont return my funds nor help me with the late fees and court fees they have caused me to gain which my apartment complex isnt understanding this and they are the ones who recommend this app for the residents to use and they are sending me to court again because of Flex app not refunding me my money. They also took out membership fees even though the arent paying my rent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I moved out of the state of New York in XX/XX/year>. There are apartments on my credit reporting I owe a large amount of money that is incorrect and I have been trying to dispute this since XXXX. I have even asked for proof from the creditors and rental company and have been unsuccessful to receive any information. I want this removed from my credit, I have been denied apartment after apartment and I am currently homeless living in a hotel with my children.

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 2025-12-22 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate reporting on my credit file by Equifax, Experian, and TransUnion. XXXX XXXX Account XXXX, Balance Owed : {$490.00} shows late payments and balances that do not reflect my records. XXXX XXXX Account XXXX, Balance Owed : {$1700.00} shows incorrect late payments across multiple months that need verification. XXXX Account XXXX, Balance Owed : {$3300.00} displays inaccurate delinquencies that must be reviewed and updated. XXXX Account XXXX, Balance Owed : {$6700.00} shows reporting errors in my payment history. XXXX Account XXXX, Balance Owed : {$5000.00} reflects inaccurate balances and late payment data. XXXX Account XXXX, Balance Owed : {$9300.00} is reported incorrectly and requires verification. XXXX Account XXXX, Balance Owed : {$1600.00} shows inaccuracies in the payment schedule. XXXX Account XXXX, Balance Owed : {$3300.00} contains incorrect balance information. XXXX Account XXXX, Balance Owed : {$2500.00} shows inaccurate delinquencies that must be corrected. XXXX Account XXXX, Balance Owed : {$4500.00} is reported with errors. XXXX Account XXXX, Balance Owed : {$10000.00} shows incorrect reporting. XXXX Account XXXX, Balance Owed : {$3600.00} contains errors in reported balances. XXXX Account XXXX, Balance Owed : {$3800.00} is not reported correctly. XXXX Account XXXX, XXXX XXXX : {$12000.00} contains inaccuracies. XXXX Account XXXX, Balance Owed : {$19000.00} is reported incorrectly. XXXX Account XXXX, Balance Owed : {$24000.00} shows incorrect balances. XXXX Account XXXX, Balance Owed : {$4300.00} is missing from Equifax but reported to TransUnion and Experian. XXXX Account XXXX, Balance Owed : {$7600.00} shows incorrect reporting. XXXX Account XXXX, Balance Owed : {$10000.00} is inaccurate. XXXX Account XXXX, Balance Owed : {$13000.00} contains errors. XXXX Account XXXX, Balance Owed : {$1900.00} is not reported correctly. XXXX Account XXXX, Balance Owed : {$6300.00} shows inaccurate delinquencies. XXXX XXXX XXXX Account XXXX, Balance Owed : {$0.00} is reported with errors regarding its status and balances. These reporting errors violate FCRA 611 ( 15 U.S.C. 1681i ) Dispute Inaccurate Info with Credit Bureaus and FCRA 623 ( a ) ( 2 ) Duty to Correct and Update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
This complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). This is a formal demand, not a routine dispute.

You are hereby notified that XXXX Experian, and XXXX  are legally required to block all information resulting from identity theft and fraud from my consumer credit report within four ( 4 ) business days of receipt of this complaint. Failure to comply constitutes a willful violation of federal law. 

The disputed information consists of a fraudulent personal credit card account, which has directly resulted in multiple unauthorized hard inquiries and false collection tradelines appearing on my FICO credit report. These items are factually inaccurate, unauthorized, and illegal to report. 

I do not acknowledge, authorize, recognize, or accept responsibility for any of the reported accounts, collections, or inquiries. None were opened, initiated, approved, or incurred by me. These items are the direct result of identity theft and fraud, and their continued reporting is unlawful. 

For absolute clarity and verification, I have attached : A complete list of the unauthorized hard inquiries and collection accounts A copy of my consumer credit report reflecting the fraudulent entries A copy of my FTC Identity Theft Criminal Complaint ( Report No. XXXX ), which formally documents and confirms that these accounts, collections, and inquiries are the result of identity theft Under FCRA 605B, you are mandated to block all listed accounts, collections, and hard inquiries from my consumer credit file within four ( 4 ) business days. There is no discretion in this matter.

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 2025-12-22 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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 2025-12-22 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: PA

Complaint narrative:
I am submitting this as my first formal dispute regarding multiple inaccuracies currently appearing on my Equifax, Experian and TransUnion credit report. Upon reviewing my report in detail, I have identified several entries that are inaccurate, incomplete, or unverifiable, including an incorrect address, a charge-off, a collection account, and multiple inquiries. The continued reporting of these inaccuracies negatively impacts my creditworthiness and may result in higher interest rates, denial of credit, or other adverse financial consequences. I am requesting a thorough reinvestigation of all items listed below, with verification directly from the original furnishers where applicable, in strict compliance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 605 ( a ). 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Original Creditor XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-22 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: LA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) regarding an unauthorized hard inquiry on my credit report. 

The inquiry in question was reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/year>. I did not authorize this credit inquiry and have no business relationship with this furnisher that would constitute a permissible purpose under FCRA 604. 

I disputed this inquiry with Equifax XXXX separate times. In each response, Equifax issued a boilerplate statement asserting that inquiries are a factual record of file access and will remain, without addressing whether the inquiry was authorized or permissible. Equifax did not provide any evidence that the furnisher had my written or electronic authorization, nor did Equifax explain how authorization was verified.

Equifaxs response confirms that they merely asked the furnisher to verify the inquiry, rather than independently ensuring that the inquiry complied with the FCRA. A credit inquiry may only be reported if it is supported by a valid permissible purpose and consumer authorization. Verifying that an inquiry exists is not the same as verifying that it was lawful.

Under FCRA 611, Equifax is required to conduct a reasonable reinvestigation of disputed information. Under FCRA 604, Equ
ifax may only report inquiries that are supported by a permissible purpose. By repeatedly refusing to investigate authorization and by continuing to report this inquiry without proof of consent, Equifax is violating its obligations under the FCRA. 

Despite multiple disputes, Equifax has failed to : Verify that the furnisher had a permissible purpose Obtain or review any signed or electronic authorization Provide the method of verification used to determine accuracy Correct or delete unverifiable information This unauthorized inquiry continues to cause harm to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing a complaint regarding the accuracy and integrity of my student loan information following the DOGEDepartment of Education data access incident in early XXXX.

This incident compromised borrower data, and I am concerned that the information being furnished to consumer reporting agencies may now be inaccurate or unverifiable.

Under FCRA 611 ( a ) ( 1 ) ( A ), I disputed the information with the credit bureaus and requested verification. I also contacted my loan servicer. Neither party has provided documentation proving that my information was unaffected by the breach.

I am requesting that the CFPB require the furnisher and credit bureaus to : 1. Verify the accuracy and integrity of my student loan data, or 2. Delete any information that can not be verified.

I am requesting your assistance in ensuring compliance with federal 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 non-monetary relief
Consumer complaint received 2025-12-22 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: AR

Complaint narrative:
I am filing a complaint regarding the accuracy and integrity of my student loan information following the DOGEDepartment of Education data access incident in early XXXX.

This incident compromised borrower data, and I am concerned that the information being furnished to consumer reporting agencies may now be inaccurate or unverifiable.

Under FCRA 611 ( a ) ( 1 ) ( A ), I disputed the information with the credit bureaus and requested verification. I also contacted my loan servicer. Neither party has provided documentation proving that my information was unaffected by the breach.

I am requesting that the CFPB require the furnisher and credit bureaus to : 1. Verify the accuracy and integrity of my student loan data, or 2. Delete any information that can not be verified.

I am requesting your assistance in ensuring compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I believe I will be paying well over the amount for the car then how much i am paying monthly including interest rates constantly going high when I need help or miss a payment.. I have leased this XXXX XXXX since XXXX  for XXXX dollars I have payed over XXXX and my total with my interest rate being so high it says I've only payed XXXX to XXXX dollars.. I lately have been struggling with the payments only because the car needed to be fixed and that was XXXX dollars my missing payments are never over a month passed due and there are way more on time payments over the years then the ones I've missed previously .. During this time of me spending XXXX on the car I needed an extention I've gotten XXXX so far and only ever been as late as XXXX to XXXX weeks.. I have receipts for everything. Not only that I've heard Ally auto Financal bank has riped people off or isn't fair with their customers. Maybe you guys could help me find justice before things get worse and they possibly over charge me for a car that wasn't running for XXXX  months or even them stop me from trading the car in and moving forward with life I'm young and I feel stuck in a unfair deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
We reported the issue on XX/XX/XXXX and noticed mortgage escrow missed out payment of property taxes for XXXX  & XXXXthough they did review of escrow analysis every year and increased mortgage payments for increase of property taxes but missed out payments and we got the tax statement and shared the same

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I am submitting this complaint because my credit history contains multiple inaccuracies and unverifiable information that misrepresent my financial standing. Specifically, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reports a {$0.00} balance alongside a Chapter XXXX bankruptcy that was discharged with a filing date of XX/XX/year> and reported on XX/XX/year> ( Reference # : XXXX XXXX XXXX, yet subsequent reporting from various entities appears inconsistent. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report activity or balances that do not reconcile with the discharged bankruptcy and raise questions about the accuracy and verification of these accounts. The conflicting information makes it impossible to confirm the validity of each entry, resulting in misleading and incomplete reporting that impacts my financial credibility. I am requesting a thorough review of all accounts and related bankruptcy information to ensure that all records are accurate, complete, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I am submitting this complaint because my credit history contains multiple inaccuracies and unverifiable information that misrepresent my financial standing. Specifically, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reports a {$0.00} balance alongside a Chapter XXXX bankruptcy that was discharged with a filing date of XX/XX/year> and reported on XX/XX/year> ( Reference # : XXXX XXXX XXXX, yet subsequent reporting from various entities appears inconsistent. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report activity or balances that do not reconcile with the discharged bankruptcy and raise questions about the accuracy and verification of these accounts. The conflicting information makes it impossible to confirm the validity of each entry, resulting in misleading and incomplete reporting that impacts my financial credibility. I am requesting a thorough review of all accounts and related bankruptcy information to ensure that all records are accurate, complete, and verifiable.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
To whom it may concern.

I am writing in response to your recent correspondence regarding the alleged debt you claim. I dispute this debt in its entirety. This letter serve as a formal notice pursuant to the fair debt collection act practice, 15 USC 1692G. Please advise that I am requesting a full validation and verification of this debt, including, but not limited to the following complain of legal proof that I am legally obligated to pay this debt. Verification from the original creditor showing the exact tax year, including the original assessed amount. A complete accounting of penalties and interest. A copy of the IRS assessment form 23C. Showing a lawful assessment was made. Proof your authority to collect including a valid contract and assignment authorizing CBE group Inc. to collect on behalf of the IRS. Proof of this deck is still legally enforced, including confirmation. Its not expired discharged release or otherwise unenforceable prove that the prior notice was given to me as required by law before our account was placed into your agency. Until you provide all the documents you must. Cease all collection activity, including reporting or verifying this account or any credit reporting agency reporting and invalidated debt constitutes as a violation of the FDCPA if this account has not been reported on any credit bureau, please note that continue reporting of this dispute and invalidated debt is unlawful. This letter is not a refusal to pay, but a lawful request to validate if you can not provide proper documentation in 15 days. You are required bylaw to close this account and remove the negative reporting..

Company response to consumer: Closed with non-monetary relief