vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
XXXX  and opportunity financial has been falsely reporting me to credit beuroughs for an account that fraudulently opened. I am a victim of identity theft and have proven this with a police report several times. I have asked money lion to provide any proof with signatures or anything stating I agreed to the account. They still will not remove the account or respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
To Whom It May Concern : I am filing this complaint regarding NCB Management Services, a debt buyer that is improperly reporting a discharged debt on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) and the U.S. Bankruptcy Code. 

The debt in question originated with XXXX XXXX XXXX XXXX in the amount of {$4200.00}. This account was included in my XXXX XXXX XXXX and was legally discharged. However, NCB Management Services acquired this debt after my bankruptcy was filed and is now reporting it as if it is still active and part of an open bankruptcy case. 

According to my XXXX credit report, NCB opened this tradeline on XX/XX/XXXX and updated its status in XX/XX/XXXX to reflect Petition foXXXX XXXX XXXX XXXX. This is entirely misleading and factually incorrect. NCB was not the original creditor, and this debt was already discharged prior to their acquisition. 

This misreporting constitutes clear violations of : The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) for furnishing knowingly inaccurate or misleading credit information.

The U.S. Bankruptcy Code ( 11 U.S.C. 524 ) for engaging in collection/reporting activity on a discharged debt. 

I previously disputed this with XXXX  and the credit bureau removed the account from my file. Despite this, NCB continues to report this account to the credit bureaus, falsely associating it with an active bankruptcy. 

Requested Resolution : I respectfully request the CFPB take enforcement action and direct NCB Management Services to : 1. Immediately delete this tradeline from all three major credit bureaus XXXX XXXX XXXX XXXX 
2. Cease any and all collection or reporting activity related to this discharged account. 
3. Be held accountable for their ongoing violations of federal consumer protection laws. 

Attached are supporting screenshots of the credit report entries as evidence of these violations. 

Thank you for your assistance in resolving this issue and for ensuring consumers are protected from unlawful credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: B9, Inc.
State: FL

Complaint narrative:
I downloaded this app XXXX weeks ago from today. I had my last check from today ( paid bi weekly ) deposited into the app after verifying my identity. After the money was deposited I tried using the app and using my money but I couldnt do anything on the app because it said my identity failed to verify. I contacted support because I pay real life bills with my hard earned money. I went back to provide the date but the chats arent even saved on my end ( how convenient ). They sent a link ( robotic help for a real life crisis ) to verify my identity but a pop up saying verification failed kept going up just like in the app so I voiced that it wouldnt allow me. I was connected to an agent so I sent my id and selfie manually but they said they couldnt verify that way. So Im like well how do I get my money off I have bills that is due immediately. They said fill out a form and itll take up to XXXX days. I didnt have XXXX days to wait so I called. I spoke with someone that said they were handling it and they would give me a call back but never did. I reached out again because at this point my lights were turned off because my money is stuck on a app. Literally a app. I filled out the form and sent my id again and a selfie per request ( thought they said they couldnt verify that way, funny ) the form was electronically so I couldnt do the signature part but I could print my name so I just filled it out. I sent it and they said I have to do the signature part I voiced that I am unable to do so because it wont allow me to I tried so many ways. Making it harder for me to get my money, they said oh print it out. As if I have a printer. I would like to have money from them immediately and I dont recommend this app on nobody. Its a living nightmare honestly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-07-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a debt being reported and/or collected by Credit Collection Services ( CCS ) under Account Number XXXX. I have never heard from this company before, and I have never done any business with them. 

I was surprised to see this collection appear and have received no prior communication or validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). I believe this may be an error or a case of mistaken identity. 

I respectfully request that the CFPB investigate this matter and require CCS to either provide full validation of the alleged debt or remove the account entirely from all reporting credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 


I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 

Account XXXX XXXX XXXX Account number XXXX Inconsistencies across TransUnion , Experian, and Equifax as follows : Date open XX/XX/year> vs XX/XX/year> High Credit amount & Credit limits Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this formal complaint due to the continuous and unlawful reporting of accounts that were included in and discharged through my XXXX  XXXX bankruptcy. Despite this legal discharge, the following creditors and credit reporting agencies continue to display inaccurate, misleading, and harmful information on my credit profile, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ), 611 ( a ), and XXXX XXXX compliance standards. 

* The accounts in question are as follows : 1. 
Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
2. 
Creditor : XXXX Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
3. 
Creditor : XXXX  Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
4. 
Creditor : XXXX Account # : XXXX Date Opened : Opened : XXXX XXXX, XXXX Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 
5. 
Creditor : XXXX Account # : XXXX Date Opened : Opened : [ Date Incomplete ] Balance : {$0.00} Status : XXXX  XXXX Issue : Reporting derogatory remarks, inaccurate status, or failing to properly reflect bankruptcy discharge. 

Under the FCRA, creditors and credit bureaus are legally required to ensure that all information they furnish is accurate and complete. The continued reporting of derogatory remarks or failure to reflect accurate post-bankruptcy status represents a blatant violation of federal law and causes unnecessary harm to my creditworthiness. 

I demand that these accounts be immediately updated to reflect : 1. Status as 'Included in Bankruptcy ' or 'Discharged in Bankruptcy ' 2. Removal of all derogatory payment history 3. A balance of {$0.00} I request the CFPB 's urgent intervention and investigation to ensure compliance with federal credit reporting laws. Failure to correct these inaccuracies may result in legal action for willful noncompliance under 15 U.S.C. 1681n.

Thank you for your time and attention to this serious matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
Beyond Finance , LLC service representatives led me to believe that I could not -- based on terms of agreement I made in XX/XX/XXXX -- pay off my loans and credit card debts in XXXX of XXXX. I contacted them several times via chat and phone and was told I had to wait six months for the debt to be resolved -- I would have to continue paying Beyond Finance , LLC until resolution. NO resolution was offered to me. After six months it was suggested that I seek legal counsel and go to the media. Instead, in XXXX of XXXX, I talked to a manager at Beyond Finance , LLC and told him what I would do. He apologized that the representatives gave me that information, tried to convince me to continue with their programs, at least in part. I said to release me from my obligation repeatedly, and hearing that I would seek legal counsel, he finally released my funds back to me, and I paid off my loans and credit cards with NO help from them. 

My issue is -- that even though I paid the loans and credit card -- because of their misleading statements, I suffered two additional months of poor credit. My husband passed in XX/XX/XXXX -- but they still would not let me out of the their program until XX/XX/XXXX. Please help me repair my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
I requested that Sofi close my savings and any other account associated with my name- they did not so, I filed a complaint with the CFPB. They then stated that they complied with the request and closed the complaint. My joint account holder is now now receiving emails to fund the account, that they did not close and lied about doing so, so now for the second time close the account, actually close it, not hide my online access and visibility to it, close it! I can not be more succinct, tards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: LA

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. 

XXXXXXXX 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 2025-07-26 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Acceptance Corp
State: FL

Complaint narrative:
I am disputing an account reported by MERCHANTS ACCEPTANCE C ( Account Number : XXXX ) that does not belong to me. I have never opened or authorized this account and do not recognize the company. This may be due to identity theft or a reporting error.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be fully validated with proper documentation proving that the debt is legitimately mine. If validation can not be provided, I request that the account be immediately removed from my credit report. This inaccurate information is harming my credit, and I want it resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MS

Complaint narrative:
While reviewing my credit report today, as I normally do, I suddenly noticed several discrepancies. I attempted to refresh my browser thinking it might be a glitch, but the inaccurate accounts remained. Because of this, I am requesting a thorough review of the documents Ive submitted, so I no longer have to worry about these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
This XXXX bill is not mine. Before I left XXXX I was told I was cleared of all responsibility regarding the account and the debt bill was the responsibility of the other person on the account. I no longer had access to account or any financial means to it. I was told I was cleared of everything once I paid off my portion and got off the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation