vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: GA

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: MI

Complaint narrative:
This agency is in violation of XXXX USC XXXX. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX AUTO FIN Date of Inquiry XX/XX/year> Therefore, the following accounts must be deleted from my report immediately.

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 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
On XX/XX/year>, an unknown person who did not identify himself knocked on our apartment door. Someone in my home answered, and the unknown person asked if I was home. The person in our home said no. The unknown person asked the person in my home if she knew me to which she said she did. The unknown person asked her name to which the person in our home responded with first and last name. The unknown person did not write anything down nor verify her name or if she was a minor or an adult. The unknown person then handed her a stabled set of papers in no folder which showed my personal information. After checking the affidavit of service which was just made available on XX/XX/year>, the unknown person completed the affidavit stating a name of a person he handed the summons to. That name is of no one I know nor that lives in our home. He also stated she was XXXX years or older to which he had never verified so he was not able to truthfully state that. He completed this affidavit under oath using false information. Therefore this summons and trial should be dismissed based on failing to follow law and guidelines when serving a person ( s ), corporation, etc. Furrhermore, until this summons, I was never contacted nor made aware of Portfolio Recovery handling such debt. I also never received anything from XXXX XXXX showing owing a {$900.00} debt. The documents included in the summons and complaint does not even have full information to show how debt jumped almost {$300.00} within a XXXX months when the card was already closed and the interest applied in no way added up to such an increase. For these reasons, the complaint should be voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
I am filing a complaint because Experian is reporting inaccurate and misleading account information from multiple furnishers on my credit file dated XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX This account is reported as Charged Off with a status date of XX/XX/XXXX, but Experian continues to update the balance and show it as past due {$1900.00} through XX/XX/XXXX. Once an account is charged off, the balance must be reported as {$0.00} and not updated further. Reporting a charge-off and a current past-due balance simultaneously is inaccurate and violates FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) - ( 2 ). 
XXXX. XXXX XXXX Acct # XXXX ( opened XX/XX/XXXX ) Experian reports this account as Charged Off for {$3100.00} with continuing balance updates through XX/XX/XXXX, even though the status was finalized in XX/XX/XXXX. This is an example of post-charge-off reporting, which is misleading and violates FCRA accuracy standards. 
XXXX. XXXX XXXX Acct # XXXX ( opened XXXX XXXX ) This account simultaneously shows Paid / Closed and {$230.00} written off. These contradictory status codes create an inaccurate and misleading impression on the report. 
XXXX. XXXX  XXXX Acct # XXXX This account was closed in XX/XX/XXXX but still shows 30-, 60-, and 90-day late marks after closure. Closed accounts should not continue to accrue delinquencies.

These inaccuracies remain despite prior disputes, which indicates Experian failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ). 

I request that the CFPB require Experian and the data furnishers ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  ) to : Delete or correct the inaccurate trade lines ; Stop post-charge-off balance updates ; Ensure my report reflects accurate {$0.00} balances and Paid / Closed statuses ; and Provide written confirmation of the corrections or deletions.

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 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Home Depot card in store on XX/XX/year> ; store # XXXX I was denied credit verbally but said they would send a letter. A letter of denial was sent to my wife who was not with me and did not apply. Her social security number was never given. She also received an email the day I was in the store letting her know they approved her application. 

The letter to my wife dated XX/XX/XXXX addressed to her said she was denied due to insufficient number of accounts. I do not have recent credit however a credit score of XXXX. My wifes score is higher with active accounts. I looked at both of of credit reports and they seem accurate. Home Depot needs to remove any inquiry to her credit report. I didnt need the card but was interested in the XXXX off I could get on the dishwasher I was buying. 

I tried to call Home Depots number on the denial letter but its all automated replies. I also tried to find contact information on the Home Depot website but could find nothing. It should not be that hard to contact them.

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 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Arivo Acceptance, LLC
State: GA

Complaint narrative:
Arivo Acceptance LLC is furnishing an inaccurate repossession account on my credit reports, and the data being reported can not be verified lawfully. I disputed this account with the CRAs, and the CRAs came back marked as verified, but no legally required evidence or substantiation exists. The notices Arivo claims were sent were never properly received, and no certified mail green card proof of delivery exists. Under UCC 9-611 and 9-614, a proper authenticated notice is required, and Arivo has failed to prove any lawful notice.

Arivo also can not show my original signed retail installment contract, lawful chain of custody from storage to repossession to auction, nor any verified, authenticated deficiency balance calculation. Yet XXXX XXXX XXXX XXXX continue to report this account with derogatory status. 

This constitutes willful negligent furnishing under FCRA 1681s-2 ( b ) and CRA reinvestigation failure under 1681i ( a ) and 1681e ( b ). They are reporting unverifiable, unsubstantiated, harmful, and derogatory data.

I am requesting CFPB intervention to enforce Arivo 's requirement to provide ALL substantiating documentation or remove the account entirely. If Arivo can not produce an original signed contract and certified USPS notice verification with a signature return receipt ( green card ), all credit reporting must be deleted immediately across all bureaus.

This inaccurate, derogatory reporting is impacting my financial standing and my access to safe transportation for my family. The CRAs are marking this as verified without requiring actual evidence. This is materially harming my credit score, my ability to obtain housing, credit, and necessities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Original debt from XXXX. I tried to get service with them but they did not have the phone I wanted. I was charged for a month of phone service I never used. It was sent to credence resource management and now is on my credit report. The amount is {$120.00}. I had asked XXXX to resolve the charge as I never used their services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
We purchased furniture from XXXX XXXX. It was a 36 month promotion zero interest. I just found out that synchrony bank has been charging us interest and the deferred interest for about a year totally XXXX XXXX  i found this out as i use automatic payments and did not look at my statements online as i didnt think i needed to. We went to go buy a couch and noticed the interest charges. I have called synchrony bank and XXXX XXXX multiple times and both of them tell me they cant help me. XXXX XXXX only confirmed we should Not be charged interest for 36 months.

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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I was in XXXX  for approximately XXXX mos. And in the last 2 mos. I was in XXXX. Someone whom I found out myself her name and told Chime this information took {$4500.00} out of my Chime account she some how got my information transferred money from my XXXX XXXX account to my Checking account to her XXXX  Account there was XXXX transactions in a matter of a months time. I have submitted 3 Disputes and have been denied all 3 times. I sent a police report, I sent my time sheet showing when I went to XXXX  and the day I was released not only did I send that information but I also did my own investigating I found the person 's name address phone number and much more. The paper stating when I was XXXX  should have been enough. I'm on XXXX I'm XXXX yrs old and that money was my social security money from XXXX. I told Clhime this and yet my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

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 XXXX 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 2025-11-09 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: MI

Complaint narrative:
I sent letters to dispute inaccuracies on my credit report ; however, no updates have been reflected. Kindly review the materials and correspondence I submitted concerning these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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.

Complaint narrative:
I sent letters to dispute inaccuracies on my credit report ; however, no updates have been reflected. Kindly review the materials and correspondence I submitted concerning these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: KS

Complaint narrative:
I am disputing an alleged credit card debt ( account ending in * XXXX ) originally issued by XXXX XXXX XXXX XXXX and now owned by XXXX XXXX XXXX XXXX. The charges on this account were made without my authorization or knowledge while I was XXXX. My credit card information was stolen and used fraudulently, possibly by a former roommate. 

I submitted the following documentation to XXXX XXXX XXXX XXXX, which refused to investigate the fraud : Police report dated XX/XX/XXXX FTC Identity Theft Affidavit dated XX/XX/XXXX Proof of XXXX and a list of disputed charges ( available upon request ) Despite this, XXXX XXXX declined to investigate and transferred or sold the account to XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I submitted a formal debt validation request to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Neither company responded to the request as required under the Fair Debt Collection Practices Act ( FDCPA XXXX ). Instead, they reported the alleged debt to credit reporting agencies, violating both the FDCPA and the Fair Credit Reporting Act ( FCRA XXXX ( a ) ). 

The continued collection attempts and credit reporting are causing ongoing financial harm, credit denials, and emotional distress. 

Requested Resolution : Immediate cessation of all collection activity Removal of the account from all credit reports, block XXXX and XXXX XXXX from reporting in the future. 
Written confirmation that the account has been closed and will not be pursued further XXXX review of XXXX XXXX XXXX XXXX refusal to investigate a documented credit card fraud report I reserve all rights to pursue further legal and regulatory action due to these violations.

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 2025-11-09 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: TX

Complaint narrative:
XXXX XXXX XXXX  reported unfair reporting on credit report federal and state which XXXX had me having a garnishment for 5 years and a lottery winning resended of {$2600.00} well everything had been paid through Garnishment and taxes.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I requested items to be deleted off my credit report due to several errors that were reported on my credit report. They didn't remove the items despite the fact that all the errors were pointed out in the letter and no way they could have properly verified these accounts and not remove them as they go against several FCRA, FDCPA and Metro2 reporting guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Arivo Acceptance, LLC
State: GA

Complaint narrative:
Arivo Acceptance LLC is furnishing an inaccurate repossession account on my credit reports, and the data being reported can not be verified lawfully. I disputed this account with the CRAs, and the CRAs came back marked as verified, but no legally required evidence or substantiation exists. The notices Arivo claims were sent were never properly received, and no certified mail green card proof of delivery exists. Under UCC 9-611 and 9-614, a proper authenticated notice is required, and Arivo has failed to prove any lawful notice.

Arivo also can not show my original signed retail installment contract, lawful chain of custody from storage to repossession to auction, nor any verified, authenticated deficiency balance calculation. Yet XXXX XXXX XXXX XXXX XXXX  continue to report this account with derogatory status. 

This constitutes willful negligent furnishing under FCRA 1681s-2 ( b ) and CRA reinvestigation failure under 1681i ( a ) and 1681e ( b ). They are reporting unverifiable, unsubstantiated, harmful, and derogatory data. 

I am requesting CFPB intervention to enforce Arivo 's requirement to provide ALL substantiating documentation or remove the account entirely. If Arivo can not produce an original signed contract and certified XXXX notice verification with a signature return receipt ( green card ), all credit reporting must be deleted immediately across all bureaus. 


This inaccurate, derogatory reporting is impacting my financial standing and my access to safe transportation for my family. The CRAs are marking this as verified without requiring actual evidence. This is materially harming my credit score, my ability to obtain housing, credit, and necessities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I wanted to see if I can receive my Funds thru my cash app account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
national credit adjusters attempted to collect different amount from myself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MT

Complaint narrative:
Company has yet to respond or take any action whatsoever to resolve any of the complaints I have submitted both directly to them and via CFPB. I am still unable to access their website to make payments on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: OH

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 2025-11-09 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: MI

Complaint narrative:
I sent letters to dispute inaccuracies credit report ; however, no updates have been reflected. Kindly review the materials and correspondence I submitted concerning these matters.

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