vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is refusing to allow me to access my account or cancel my membership unless I upgrade to a higher paid plan. I have repeatedly tried to cancel or downgrade, but they are holding my credit information and account access XXXX. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Restore Online Shoppers Confidence Act ( ROSCA ). Consumers have the right to access their own credit reports and cancel paid memberships easily without being coerced into paying more. 

I request that Experian immediately cancel my membership, stop all billing, and restore my full access to my account and credit report without requiring an upgrade. 

I am also reporting that Experians website is intentionally interfering with my browser when I try to decline or close the upgrade/payment page. The site either freezes, redirects, or blocks navigation away from their demand for payment screen. 

This behavior appears to be a manipulative dark pattern designed to coerce users into paid memberships. It effectively controls the browser and prevents me from accessing my own account or credit report unless I agree to upgrade. 

Such conduct may violate the Restore Online Shoppers Confidence Act ( ROSCA ) and FTC guidance on deceptive online design practices. I want Experian to stop controlling user browser actions, remove these blocking mechanisms, and restore my ability to access, manage, and cancel my account freely.

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 2025-10-28 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 submitting this dispute of several accounts that appear inaccurately and unfairly on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically. FCRA 605 ( a ) ( 15 U.S.C. 1681c ) prohibiting obsolete or outdated information ; FCRA 623 ( a ) ( 5 ) requiring accurate reporting of the Date of First Delinquency ( DOFD ) ; and FCRA 604 ( a ) ( 3 ) ensuring all information accessed or reported has a permissible purpose. These accounts are listed below with explanations regarding each inaccuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this dispute of several accounts that appear inaccurately and unfairly on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically. FCRA 605 ( a ) ( 15 U.S.C. 1681c ) prohibiting obsolete or outdated information ; FCRA 623 ( a ) ( 5 ) requiring accurate reporting of the Date of First Delinquency ( DOFD ) ; and FCRA 604 ( a ) ( 3 ) ensuring all information accessed or reported has a permissible purpose. These accounts are listed below with explanations regarding each inaccuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have requested several times to receive information that they have proving a Bankruptcy after I provided confirmation that the court did not provide this 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 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
The amount of the collection is incorrect. The unit was cleaned as instructed. The company alleged they used their own company to clean carpet and I had the carpet cleaned. I was charged for dust on a ceiling fan. This was not accurate. When asked for photos I was sent photos of a different unit and not the one I moved out of.

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 2025-10-28 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX. I have submitted several valid disputes to the credit bureaus and they have failed to comply with the Fair Credit Reporting Act. The bureaus have not completed a lawful reinvestigation within the time required by federal law and they continue to report inaccurate and unverifiable information that is harming my credit and my consumer rights. 

The disputed information below remains on my reports with no proof or documentation provided XXXX  XXXX bankruptcy Bankruptcy XXXX  XXXX case number XXXX Incorrect previous address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education accounts with late payment reporting Account ending XXXX Incorrect previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These payment histories must be updated to Paid in time or Paid as agreed Charge off reporting XXXX XXXX XXXX account ending XXXX XXXX  XXXX account ending XXXX XXXX XXXX account ending XXXX All linked to the incorrect previous address listed above Incorrect personal information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting as current but is not accurate Unauthorized inquiry XXXX XXXX dated XXXX XXXX XXXX  Additional late payment reporting errors XXXX XXXX  XXXX account ending XXXX XXXX  XXXX account ending XXXX These accounts must also be updated to Paid in time or Paid as agreed These items are inaccurate incomplete or can not be verified as required by federal law. The credit bureaus have failed to provide any documentation to support their continued reporting including the required method of verification. 

FCRA violations include 15 USC 1681i failure to conduct a reasonable reinvestigation 15 USC 1681i a 7 failure to provide the method of verification 15 USC 1681e b failure to ensure maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am submitting to formally dispute multiple items appearing on my Equifax, TransUnion and Experian consumer credit file and to request a thorough verification of all information, including the permissible purpose for any inquiries, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 604, 607 ( b ), 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ). After a careful and detailed review of my credit file, I have identified numerous entries, including accounts, collections, addresses, and inquiries, that appear inaccurate, incomplete, unverifiable, or potentially reported and accessed without my knowledge or authorization. These inaccuracies misrepresent my creditworthiness, may cause harm to my financial standing, and could result in adverse decisions by lenders or other entities relying on this information. Accordingly, I am formally requesting that Equifax, TransUnion and Experian conduct a comprehensive reinvestigation of each disputed item, confirm the validity and accuracy of all information with the original furnishers, and ensure that any information that can not be fully verified is corrected, updated, in full compliance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX  BALANCE {$250.00} DPT ED/XXXX XXXX BALANCE {$85.00}, XXXX XXXX XXXX XXXX XXXX BALANCE {$1900.00} XXXX XXXX XXXX XXXX  BALANCE {$880.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$700.00} XXXX XXXX XXXX XXXX BALANCE {$1600.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$2400.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1900.00} XXXXXXXX XXXX XXXX XXXX BALANCE {$1300.00} XXXXXXXX XXXX XXXX XXXX BALANCE {$110.00} XXXX XXXX XXXX BALANCE {$330.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX BALANCE {$950.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX BALANCE {$1900.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX BALANCE {$2800.00} XXXX XXXXXXXX XXXX XXXX BALANCE {$1600.00} XXXX XXXX XXXX XXXX BALANCE {$570.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
I am submitting to formally dispute multiple items appearing on my Equifax, TransUnion and Experian consumer credit file and to request a thorough verification of all information, including the permissible purpose for any inquiries, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 604, 607 ( b ), 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ). After a careful and detailed review of my credit file, I have identified numerous entries, including accounts, collections, addresses, and inquiries, that appear inaccurate, incomplete, unverifiable, or potentially reported and accessed without my knowledge or authorization. These inaccuracies misrepresent my creditworthiness, may cause harm to my financial standing, and could result in adverse decisions by lenders or other entities relying on this information. Accordingly, I am formally requesting that Equifax, TransUnion and Experian conduct a comprehensive reinvestigation of each disputed item, confirm the validity and accuracy of all information with the original furnishers, and ensure that any information that can not be fully verified is corrected, updated, in full compliance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX  BALANCE {$250.00} DPT ED/XXXX XXXX BALANCE {$85.00}, XXXX XXXX XXXX XXXX XXXX BALANCE {$1900.00} XXXX XXXX XXXX XXXX  BALANCE {$880.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$700.00} XXXX XXXX XXXX XXXX BALANCE {$1600.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$2400.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1900.00} XXXXXXXX XXXX XXXX XXXX BALANCE {$1300.00} XXXXXXXX XXXX XXXX XXXX BALANCE {$110.00} XXXX XXXX XXXX BALANCE {$330.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX BALANCE {$950.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX BALANCE {$1900.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX BALANCE {$2800.00} XXXX XXXXXXXX XXXX XXXX BALANCE {$1600.00} XXXX XXXX XXXX XXXX BALANCE {$570.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a storage to store my stuff on XXXX XXXX XXXX  it's was public storage I was out of state I forgot to pay it then they actions my stuff when I remembered and try to go for them stuff it was already to late but in that storage I had my Green Card I had my driver license social card my car title so much more I lost that turned me at XXXX because now I'm the process to get my green car just to have a new license but now when I check my credit I see I have auto loans I don't know about collections and phone bills I don't have no knowledge of..... please help

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 2025-10-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Special Financing Company, LLC
State: CA

Complaint narrative:
In XX/XX/2025, I contacted XXXX XXXX  for credit services. I was verbally quoted {$1000.00} for 12 months and $ XXXX thereafter. This quote was confirmed by another employee. I signed electronically, believing these were the terms. I later found the financing was arranged through Special Financing Company ( SFC ) for over $ XXXX that were never disclosed verbally. The call was stated to be recorded, and Ive requested a copy multiple times from XXXX, but they have not responded. 

I canceled services with XXXX on XX/XX/XXXX and received written confirmation. Despite this, SFC continued billing and contacting me. I submitted a written dispute on XX/XX/XXXX requesting verification and a billing adjustment. Both companies deny responsibility and refer me to the other, creating confusion and stress. 

I am requesting a resolution due to verbal misrepresentation, failure to provide documentation, and post-cancellation billing activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing inaccurate and unverifiable credit reporting by Truist Bank and XXXX XXXX. 
XXXX XXXX : The account was originally closed in XXXX XXXX Credit bureaus show late payments from XX/XX/XXXX XX/XX/XXXX even though my statements from XXXX XXXX show no activity. XXXX XXXX lists the account as closed XX/XX/XXXX. These conflicting dates prove the account has been re-aged and reported inaccurately. 
Truist Bank : XXXX XXXX shows this account was closed XX/XX/XXXX, yet Truist reports late payments for XXXX XXXX. Truist also stated by phone that closure occurred XX/XX/XXXX and admitted they can not provide supporting records. 
Both furnishers are reporting contradictory and unverifiable information, in violation of FCRA 607 ( b ) and 623 ( a ) ( 2 ). I request that these accounts be deleted entirely from my XXXX XXXX, and XXXX  reports under FCRA 611 ( a ) ( 5 ) since the data can not be substantiated.

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 2025-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: LDF Holdings, LLC
State: NV

Complaint narrative:
Just received another call ( 12 today ) while submitting this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
Money was taken out of my account from a hotel I've never stayed in talked to a representative and they said they were gon na issue it back out and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have requested in writing to the company and also XXXX  who has claimed the debt has been verified by them I also asked for the verification method and was sent another copy of my credit report only. I had a court summons where the company was ordered by the judge to provide proof of ownership which they have not. But received a dismissal from court which has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX. I obtained my credit reports from XXXX XXXX XXXX and discovered multiple errors that the credit bureaus refuse to properly investigate or correct. This complaint is against all three major credit bureaus for failing to comply with the Fair Credit Reporting Act including 15 USC 1681e b 1681g and 1681i.

I submitted a specific and valid dispute with supporting identification and documents. Despite this the credit bureaus have continued to report inaccurate and unverifiable data. They also failed to provide the required method of verification and full file disclosure that federal law requires.

Below are the disputed items that remain inaccurate or unverifiable Incorrect personal information Previous address XXXX XXXX XXXX XXXX MI XXXX Previous address XXXXXXXX XXXX XXXX XXXXXXXX MI XXXX Employer XXXX Employer XXXX XXXX Late payment and charging reporting errors XXXX XXXXXXXX account ending XXXX XXXX  XXXX account ending XXXX XXXX XXXX  XXXX account ending XXXX XXXX account ending XXXX XXXX XXXX  XXXX account ending XXXX XXXX XXXX  XXXX account ending XXXX XXXXXXXX XXXX XXXXXXXX account ending XXXXXXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXXXXXX closed paid account ending XXXX XXXXXXXX XXXX XXXX closed paid account ending XXXX XXXX XXXX XXXX closed paid account ending XXXXXXXX XXXX XXXXXXXX closed paid account ending XXXX XXXX  charge off account ending XXXX XXXX XXXX XXXX closed paid account ending XXXX XXXX XXXX XXXX XXXX XXXX closed paid account ending XXXX I have reason to believe that these accounts are inaccurate incomplete or can not be verified as required by federal law. If any part of the tradeline including payment history balance date opened or status is wrong the entire account must be deleted under 15 USC 1681i a 5.

FCRA violations committed Failure to ensure maximum possible accuracy under 15 USC 1681e b Failure to conduct a reasonable reinvestigation under 15 USC 1681i Failure to provide method of verification under 15 USC 1681i a 7 Failure to provide full file disclosure under 15 USC 1681g

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