vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting to formally dispute inaccurate and misleading late payments that is currently being reported on my credit file. Upon reviewing my report, I noticed certain accounts that are being reflected inaccurately, and I am requesting a thorough reinvestigation pursuant to FCRA 611 ( 15 U.S.C. 1681i ), which grants consumers the right to dispute and correct any erroneous information in their credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Late XXXX  days XX/XX/year> tied up XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} tied up Under FCRA 623 ( a ) ( 2 ), furnishers of information have a duty to correct and update any information they discover to be inaccurate or incomplete. Additionally, FCRA 623 ( b ) outlines that upon receiving a notice of dispute from a credit bureau, the furnisher must conduct a thorough investigation, review all relevant information, and correct any information found to be erroneous.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing in response to a recent communication I received from your office regarding an alleged debt.

This letter is a formal notice that I am disputing the validity of the alleged debt. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide full validation of the debt. This includes : 1. The name and address of the original creditor ; XXXX. A detailed statement of the amount of the debt, including any interest, fees, or other charges ; XXXX. Documentation showing that I am legally obligated to pay the alleged debt ; XXXX. A copy of any judgment, if applicable. 

Please be advised that I am requesting * * all future communication in writing only * *, and that collection activities must cease until validation is provided. 

If you are unable to provide proper verification, I request that you cease collection efforts and cease reporting this alleged debt to any credit reporting agency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: NJ

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing several hard credit inquiries that appear on my credit report, which I do not recall authorizing or for which no permissible purpose has been verified. These inquiries are negatively affecting my credit standing and may constitute violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX XXXX XXXX Inquired XXXX XX/XX/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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX  for reporting a fraudulent XXXX account that does not belong to me across all three major credit bureaus. 

The XXXX XXXX account XXXX XXXX is reporting on my Equifax, Experian, and TransUnion credit XXXX without my knowledge or consent. I have never applied for, opened, or used an XXXX credit card through XXXX XXXX XXXX. This account represents a clear case of identity contamination or mixed file error. 

The simultaneous reporting of this fraudulent account across all three credit bureaus demonstrates a catastrophic failure in XXXX 's account verification and identity matching procedures. This violates :

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 2025-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Around XXXX XXXX my physical Affirm card was stolen. This card allows temporary cash advances that are debited from my main bank account within 24 hours. I immediately reported the card as stolen and received a replacement, but the person who stole it continued attempting transactions. Some were declined, but several were approved even after I had already activated my new card and kept it locked in the app. I also received messages from Affirm stating : " Your purchase was declined because it used an old card number. Head to the app to see your new card number and use it to pay. XXXX XXXX XXXX XXXX  but despite that, funds were still withdrawn from my account. Customer service by phone and chat only apologized and kept transferring me without resolving the issue. The fraudulent charges continue, and my account remains unsecured. 

Among the approved transactions, there are several charges made through Affirm linked to XXXX. On XX/XX/XXXX, a payment of {$44.00} to XXXX XXXX XXXX was approved. On XX/XX/XXXX, XXXX charges of {$56.00} each were processed for XXXX XXXX. On XX/XX/XXXX, two payments of {$9.00} each were approved for XXXX XXXX. On XX/XX/XXXX, two transactions appeared : XXXX for {$44.00} to XXXX XXXX  Pending and another for {$56.00} for XXXX XXXX. Earlier transactions are also shown, such as XXXX on XX/XX/XXXX for {$5.00} at XXXX XXXX  Pending and another on XX/XX/XXXX for {$21.00} to XXXX XXXX  Help.XXXX. All of these are marked as Paid in full or show no rejection label, indicating that they were successfully approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, I requested an investigation into a 30 day late payment. 
I received a response, " Account closed at credit grantor 's request '' On XX/XX/XXXX, I made a payment of {$250.00}, the balance account. 
On XX/XX/XXXX, I received a letter confirming that I had a {$0.00} balance on my account. 

On XXXX, I disputed the 60 day late payment on my credit report citing and attaching their letter notifying me of a {$0.00} balance. 
On XXXX, it showed XXXX and XXXX as 60 days past due on my report. 
Then, on XXXX it shows that account was updated. It was not. I have attached my current payment history which shows NO DATA on XXXX and 60 day late for 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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, Ive answered the card. They charge my card XXXX. They were only supposed to tell me one XXXX. They were suppose to return the rest. Days later I get an alert from chime about an unauthorized transaction and I declined it and I was told that they would not be about to take the money money out my account to turn around and they do for the amount of XXXX way more then what it was I file a dispute and it was approved okay they credited me money to my account for them to turn around XXXX minutes later and make an adjustment to the account and take that money back as Im on the phone with them this is happening. I have sent over 9 hours on the phone for 2 days for them to not still give me anything and cant explain what was happening to my account at this point this company needs to be looked into they are very rude and this isnt the first time this is happening to me and I had said to the many times I think you guys may be hatched or a data breach. They do nothing but keep placing neon hold for someone else to keep picking up and me repeating myself my statements has charges in it that says unknown and they cant explain I changed from most companies numbers of times and it just doesnt make any sense and I explain to them that I dont have a receipt for it so I shouldnt be charged normally I will get a receipt and I didnt for most of them transactions. Please I am begin turned in every way and cant explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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 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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple collection accounts being reported to my credit file without my authorization or knowledge. I have disputed several of these items with the credit bureaus, yet they remain or have been reinserted without proper verification, in violation of the Fair Credit Reporting Act ( FCRA 611 & 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807 ). 


These accounts are causing serious harm to my credit profile and are inaccurate or potentially fraudulent. The accounts are listed below : XXXX XXXX XXXX {$430.00} ( Reported XX/XX/year> ) XXXX XXXX XXXX {$170.00} ( Reported XX/XX/year> ) XXXX XXXX XXXX {$850.00} ( Reported XX/XX/year> ) Columbia Debt Recovery {$480.00} ( Reported XX/XX/year> ) Radius XXXX XXXX {$1100.00} ( Reported XX/XX/year> ) XXXX  Amount unknown I have no knowledge of these accounts, have never authorized any of them, and have previously disputed some with the credit bureaus. These companies have not provided any evidence or original documentation proving that I am responsible for these debts. Despite this, they continue to report negative information, which is both inaccurate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple collection accounts being reported to my credit file without my authorization or knowledge. I have disputed several of these items with the credit bureaus, yet they remain or have been reinserted without proper verification, in violation of the Fair Credit Reporting Act ( FCRA 611 & 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807 ).

These accounts are causing serious harm to my credit profile and are inaccurate or potentially fraudulent. The accounts are listed below : XXXX XXXX XXXX {$430.00} ( Reported XX/XX/year> ) Credit Systems International {$170.00} ( Reported XX/XX/year> ) XXXX XXXX XXXX {$850.00} ( Reported XX/XX/year> ) XXXX XXXX XXXX {$480.00} ( Reported XX/XX/year> ) XXXX XXXX XXXX  {$1100.00} ( Reported XX/XX/year> ) Crosscheck Amount unknown I have no knowledge of these accounts, have never authorized any of them, and have previously disputed some with the credit bureaus. These companies have not provided any evidence or original documentation proving that I am responsible for these debts. Despite this, they continue to report negative information, which is both inaccurate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third 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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: IL

Complaint narrative:
The account being reported is not mine and contains inaccurate information.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I previously requested a reinvestigation of the accounts listed on my credit report. However, the results I received did not include proper verification or supporting documentation from the data furnisher. Under the Fair Credit Reporting Act ( FCRA 611 ), I have the right to a fair and accurate reinvestigation. Because the information could not be fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account was previously deleted as fraudulent after an identity theft report was filed with the FTC. Equifax has unlawfully reinserted the same account without providing written notice or valid verification from the furnisher as required under Section 611 ( a ) ( 5 ) ( B ) and Section 605B of the Fair Credit Reporting Act. This is a clear violation of federal law and my consumer rights. I am requesting the CFPB to review this matter and require Equifax to remove the reinserted account permanently and provide confirmationinwriting.

Company response to consumer: Closed with explanation