vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-07-31 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: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
I had a car loan that was closed XX/XX/XXXX with a balance of {$0.00}. I noticed incorrect payment history on my credit report. I compared the reported payments, which conflict with my bank records. I contacted XXXX by phone on XX/XX/XXXX and requested a copy of my payment history. I also requested the total amount of late fees paid during the term of the loan, as well as the number of times a late fee was assessed. I was told I would receive these documents by email. I received an email which only included a payoff amount of {$0.00} to close my loan, which has been closed for over a year. I have disputed the payment history, and XXXX verified the history despite my bank records clearly disputing the accuracy of their reporting. I believe they have failed to properly investigate my dispute, and in doing so, they have created undue financial hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I am disputing the collection account reported by Credit Collection Services ( CCS ) on behalf of XXXX XXXX, opened on XX/XX/year>, with a balance of {$140.00}. I have never held a policy or done business with XXXX XXXX XXXX XXXX 

Under the FCRA : 15 U.S.C. 1681i requires a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( b ) : Data furnishers must investigate disputes forwarded by a CRA.

15 U.S.C. 1681e ( b ) : CRAs must ensure maximum possible accuracy.

Please validate this account or remove it if the debt can not be verified with legally acceptable evidence.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-31 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

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 2025-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
My social security was used wrongfully and i should report it as identity fraud. These people used my information to get this apartment or condo whatever it is to move in. At my current address I been living here for 6 years with my husband and XXXX kids. I have proof of the rental agreement when I moved to my current address in XXXX  So why am I being targeted for an amount owed by people who shouldve been kicked out when they didnt pay the first time. Why did this company let them live there free without paying rent for months for it to be add up to almost XXXX thats insane to me! This isnt my case I dont owe them no money because I never lived there in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a {$500.00} American Express gift card that was activated on XX/XX/year>. Since activation, I have been unable to use it despite multiple attempts at major retailers and for essential payments. 

On XX/XX/XXXX and XX/XX/XXXX, I attempted to use the card at XXXX grocery store and through XXXX for a rent payment. Both transactions were declined, even though the full {$500.00} balance remains available. My account history ( attached/screenshot ) only reflects one of the declined attempts, but I attempted use in person at XXXX on XX/XX/XXXX where the transaction was also declined. 

The restrictions on this card make it essentially unusable, and I urgently need access to these funds for essential living expenses, including rent. I have reviewed the cardholder agreement, which states that I can request a refund check for the remaining balance. I am requesting that American Express ( XXXX ) promptly issue me a check for the full balance so that I can use the funds as intended. 

This situation is unreasonable, as I have followed all usage instructions, yet I can not spend the funds anywhere necessary. Please assist me in resolving this issue and ensuring that I receive the balance owed to me. 

Available Balance : {$500.00} Valid Through : XXXXXXXX Activation Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-31 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 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 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 2025-07-31 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: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint regarding XXXX XXXX XXXX  XXXX XXXX accounts that are currently being reported on my Experian and Equifax credit reports. These accounts contain multiple inconsistencies, reporting errors, and lack of proper verification, all of which constitute violations of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX and related consumer protection laws. 



ACCOUNT XXXX XXXX XXXX XXXX ( Ending in XXXX ) Account Type : Revolving / Credit Card Status : Closed Date Opened : XX/XX/XXXX Reported Balance : {$8600.00} Past Due Amount : {$1900.00} Payment Status : 120180 Days Late Reporting Comment Conflict : Account closed due to inactivity vs. Account closed by XXXX XXXX Errors and Discrepancies : The account reflects a past due balance despite being closed, which violates XXXX XXXX and standard credit reporting logic. 
Discrepancies between Experian and Equifax regarding credit limit and number of late days reported. 
No legally sufficient documentation has been provided to validate these late payments or past due status. 
Conflicting comments as to why and by whom the account was closed. 
No updated record confirming any effort to validate these items per FCRA XXXX. 



ACCOUNT XXXX XXXX  XXXX XXXX ( Ending in XXXX ) Account Type : Revolving / Credit Card Status : Charged-Off / Derogatory Date Opened : XX/XX/XXXX Reported Balance : {$1300.00} Payment Status : Collection/Charge-Off Errors and Violations : The creditor failed to provide proper verification or validation of this alleged debt in accordance with FCRA XXXX ( a ) ( XXXX ) ( A ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Last payment date appears inaccurate or fabricated, with no backup documentation. 
No notification or documentation of the charge-off process, as required by law. 
Account reflects balance and derogatory status without proof of validation or proper notice. 



DEMAND FOR IMMEDIATE REMOVAL Due to the serious discrepancies, lack of lawful verification, and violations of the FCRA and XXXX XXXX standards, I am requesting the immediate and permanent removal of both XXXX XXXX XXXX accounts from my Experian and Equifax credit reports. 

I have attached visual evidence of these inconsistencies and reporting errors. If needed, I am willing to provide further documentation. 

Thank you for your prompt attention to this matter. I respectfully request that this investigation result in a full deletion of both accounts from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint regarding XXXX XXXX XXXX  XXXX XXXX accounts that are currently being reported on my Experian and Equifax credit reports. These accounts contain multiple inconsistencies, reporting errors, and lack of proper verification, all of which constitute violations of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX and related consumer protection laws. 



ACCOUNT XXXX XXXX XXXX XXXX ( Ending in XXXX ) Account Type : Revolving / Credit Card Status : Closed Date Opened : XX/XX/XXXX Reported Balance : {$8600.00} Past Due Amount : {$1900.00} Payment Status : 120180 Days Late Reporting Comment Conflict : Account closed due to inactivity vs. Account closed by XXXX XXXX Errors and Discrepancies : The account reflects a past due balance despite being closed, which violates XXXX XXXX and standard credit reporting logic. 
Discrepancies between Experian and Equifax regarding credit limit and number of late days reported. 
No legally sufficient documentation has been provided to validate these late payments or past due status. 
Conflicting comments as to why and by whom the account was closed. 
No updated record confirming any effort to validate these items per FCRA XXXX. 



ACCOUNT XXXX XXXX  XXXX XXXX ( Ending in XXXX ) Account Type : Revolving / Credit Card Status : Charged-Off / Derogatory Date Opened : XX/XX/XXXX Reported Balance : {$1300.00} Payment Status : Collection/Charge-Off Errors and Violations : The creditor failed to provide proper verification or validation of this alleged debt in accordance with FCRA XXXX ( a ) ( XXXX ) ( A ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Last payment date appears inaccurate or fabricated, with no backup documentation. 
No notification or documentation of the charge-off process, as required by law. 
Account reflects balance and derogatory status without proof of validation or proper notice. 



DEMAND FOR IMMEDIATE REMOVAL Due to the serious discrepancies, lack of lawful verification, and violations of the FCRA and XXXX XXXX standards, I am requesting the immediate and permanent removal of both XXXX XXXX XXXX accounts from my Experian and Equifax credit reports. 

I have attached visual evidence of these inconsistencies and reporting errors. If needed, I am willing to provide further documentation. 

Thank you for your prompt attention to this matter. I respectfully request that this investigation result in a full deletion of both accounts from all consumer reporting agencies.

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 2025-07-31 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-31 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: CBC Companies, Inc.
State: OR

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I initiated a ACH credit push for payment for household goods from my XXXX account to my Navy Federal account for overdrawn fees and credit card payment. Federal benefit and household-related payments can be initiated electronically through Direct Deposit or through credit entry mechanisms. My ACH credit push was received and distributed to the bank account for overdrawn account and credit card payment two days later my account was negative from a reversal causing me to be negative owing Navy Federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

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 explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration. There are a lot of errors on my credit report that I can no longer ignore. These inaccuracies have been negatively impacting my life and credit score, preventing me from achieving financial freedom and stability.

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