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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-17 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 am writing to dispute the following information on my credit reports as provided by the credit bureaus. These entries are inaccurate and incomplete, and I request that you investigate the issues detailed below in accordance with the Fair Credit Reporting Act ( FCRA ). 


Charged Off 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

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: 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 have been disputing the same accts for months now and they remain on my credit report and have hurt my financial situation for months now, over 9. at this point im not even getting any responses in the mail. there is no acknowledgement of my dispute letters and verification that they are investigating. So i have filed an NOI letter and will be sueing in federal court with fcra attorney

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: Getting a credit card — Card opened without my consent or knowledge
Company: Sunbit, Inc.
State: OH

Complaint narrative:
I received a collection letter from XXXX informing me that there is a past due amount owed. On XXXX/XXXX  I called XXXX to inquirer about the collection letter and to inform them that I never had an account with their company. I was informed that on XX/XX/year> there were 4 purchases made on the account that I never made. The representative verified my information on the account and confirm that my name and address were on it, but the email address was completely different and not associated with me. The representative also requested that I contact the FTC and file a police report due to the identity fraud, and to forward the information to them. Currently the account has been flagged as fraudulent, pending the receipt of the FTC complaint and police report.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is not my account, and it appears on my credit report in error.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am really distressed that these inaccurate accounts are still showing up on my credit report and nothing has been removed. I am asking with urgency that the documents I submitted be examined fully so I can finally stop feeling overwhelmed by this situation.

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 2025-11-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Purchased 4 tickets ( {$4500.00} ) to the XXXX XXXX XXXX to be held XX/XX/year>. 2 weeks before the event, the promoter ( XXXX XXXX ) cancelled the concert and rescheduled it for XX/XX/XXXX. We couldn't attend and asked for a refund. They would not respond to us. We subsequently asked Citibank ( XXXX card ) to formally dispute the charge. Citibank after a few months of investigation - sided with the promoter and said they had a " no cancel '' clause - even though that clause was for the attendee cancelling ( not the actual service provider ). We tried to escalate - to no avail. Finally, we decided to just stick it out and go to the XXXX concert. Days before the concert, it was cancelled yet again. We never received any tickets- just an email that it was cancelled and refunds will be processed. We have not received anything. We disputed again with the credit card company- and they are refusing to do anything because they say the merchant isn't responsive to them. XXXX Citibank representatives ( and especially the supervisor I spoke with ) were some of the rudest people I've dealt with in the service industry. They understood what we were going through - and, quite frankly, didn't care. I was telling my story- and the supervisor stopped me and said " I appreciate you are feeling better about telling me this story, but it doesn't matter, we aren't going to do anything for you. '' I was speechless!!

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 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
follow up from CFPB # XXXX To : Portfolio Recovery Associates , XXXX XXXX XXXX, VA XXXX XXXX : Failure to Provide Proper Validation & Signed Verification CFPB Complaint Case # XXXX Account No. : XXXX ( Originally XXXX XXXX XXXX. ) FORMAL NOTICE OF VIOLATION AND INTENT TO PURSUE LEGAL ACTION To Whom It May Concern, This correspondence serves as a formal response and demand for immediate corrective action regarding your failure to provide a legally sufficient, signed verification of debt in response to my dispute filed with the Consumer Financial Protection Bureau ( CFPB ). 

Your recent submission included unsigned documents and billing statements that do not meet the standards for proper validation or verification as required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Simply providing old account statements or generic correspondence does not constitute proof that I owe this alleged debt, nor that you have the legal right to collect or report it. 

Furthermore, your continued reporting and collection activity after being notified of a dispute and without providing proper validation is a direct violation of both 15 U.S.C. 1692e ( 8 ) ( prohibiting false or misleading credit reporting ) and 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to conduct a lawful investigation and correct or delete inaccurate information after notice of dispute. 

LEGAL DEMANDS You are hereby formally notified that you are in violation of the following federal laws : 1. FDCPA 809 ( b ) Failure to cease collection activity until proper validation is provided.

2. FCRA 623 ( b ) Failure to reasonably investigate and verify disputed account information.

3. CFPB Regulation V ( 12 C.F.R. 1022.43 ) Failure to provide complete and accurate verification in response to a consumer complaint.

As such, you are now liable for statutory damages, legal fees, and punitive damages under the FDCPA and FCRA. Continued noncompliance will result in civil litigation in federal court and additional complaints being filed with : * The Consumer Financial Protection Bureau ( CFPB ) * The Federal Trade Commission ( FTC ) * The Office of the Attorney General ( Georgia and Virginia ) FINAL NOTICE BEFORE LEGAL ACTION You are granted 10 calendar days from receipt of this letter to : 1. Provide a signed contract bearing my wet signature that legally establishes any obligation to pay this debt ; or 2. Delete all references to this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ). 
Failure to comply within this timeframe will result in a civil lawsuit seeking maximum statutory and punitive damages for willful violations of federal consumer protection laws. 

Sincerely

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: MS

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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: LA

Complaint narrative:
Pursuant to 15 U.S. CXX/XX/XXXXe XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. CXX/XX/XXXXe XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I purchased XXXX medicine from XXXX XXXX on XX/XX/XXXX for {$810.00} and XX/XX/XXXX for {$1700.00}. I made both charges on my Goldman Sachs Apple Card. It was discovered that the medicine was not sterile, the pharmacy was a fraud, and shut down by the FL Board of Pharmacists. 

I filed chargebacks on the 2 transactions on XX/XX/XXXX and sent many documents to the email they requested. It was denied for no evidence, despite thoroughly providing documentation for each request. 

I filed a 2nd chargeback on the 2 charges on XX/XX/XXXX and again provided the initial documents plus more. It was again denied for no evidence. 

I filed a 3rd chargeback on XX/XX/XXXX and was told they had never received ANY documents from me, so I sent them screenshots of the emails. I followed up again and reuploaded documents through their portal XX/XX/XXXX and XX/XX/XXXX. My third claim was again denied for no evidence. 

My 4th claim for both charges was made on XX/XX/XXXX asking them to escalate and re-evaluate. I was told pretty simply theyll just wait 90 days. 

Im being completely ignored despite making many efforts for over a year to resolve this, which I feel is a tactic to wear my down to pay the charge.

Company response to consumer: Closed with 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 — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
3 different companies made hard inquiries for credit that was not authorized by me. Receive text from one of companies is how I found out. Searched my credit report is how I discovered other 2 companies. 
Listed on credit report. 
XXXX XX/XX/year>, SYNCB XX/XX/year>, XXXX XX/XX/year>. 
I recently discovered my bank account had also been compromised. Forcing me to change Account numbers. Along with my cellphone provider. Account has been compromised.

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