vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing this CFPB complaint because the credit reporting agencies continue to report multiple negative accounts that are inaccurate unverifiable and legally noncompliant despite repeated disputes and prior escalation. I am an impacted consumer of both the Equifax data breach and the XXXX XXXX XXXX breach which requires heightened verification standards. Instead of applying those standards the bureaus relied on automated template responses and recycled unverified data that continues to damage my credit profile. 

The negative accounts involved in this complaint are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX is a closed paid installment account with a XXXX balance that is still being reported with late payment history. No original signed agreement complete payment ledger or timestamped proof of delinquency has ever been produced. 

XXXX XXXX is a closed paid installment account with a XXXX balance that continues to reflect late payments even though no billing statements or payment records supporting any delinquency exist. 

XXXX is a closed paid secured credit line with a XXXX balance that has already been deleted by one bureau while others continue to report derogatory information demonstrating inconsistent and inaccurate reporting across bureaus. 

XXXX XXXX is a closed paid revolving account with a XXXX balance that continues to show negative payment history without any original cardholder agreement billing statements or proof of a missed payment. 

XXXX is being reported with materially conflicting information including paid and closed on one bureau and charged off with a balance on another. The furnisher has failed to reconcile these contradictions or provide documentation supporting a charge off. 

XXXX XXXX  is a secured account being reported as charged off without proof supporting the charge off or the reported delinquencies and without any original agreement or complete payment history. 

XXXX XXXX is a collection account reported without proof of debt ownership legal assignment from the original creditor or a complete itemized accounting of the alleged balance. 

In every case I requested lawful verification including original contracts proof of delinquency proof of charge off authority or proof of collection rights. None of this evidence has ever been provided. Continuing to report these accounts after notice of dispute demonstrates failure to conduct reasonable reinvestigations and failure to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AZ

Complaint narrative:
I am filing this CFPB complaint because the credit reporting agencies continue to report multiple negative accounts that are inaccurate unverifiable and legally noncompliant despite repeated disputes and prior escalation. I am an impacted consumer of both the Equifax data breach and the XXXX XXXX XXXX breach which requires heightened verification standards. Instead of applying those standards the bureaus relied on automated template responses and recycled unverified data that continues to damage my credit profile. 

The negative accounts involved in this complaint are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX is a closed paid installment account with a XXXX balance that is still being reported with late payment history. No original signed agreement complete payment ledger or timestamped proof of delinquency has ever been produced. 

XXXX XXXX is a closed paid installment account with a XXXX balance that continues to reflect late payments even though no billing statements or payment records supporting any delinquency exist. 

XXXX is a closed paid secured credit line with a XXXX balance that has already been deleted by one bureau while others continue to report derogatory information demonstrating inconsistent and inaccurate reporting across bureaus. 

XXXX XXXX is a closed paid revolving account with a XXXX balance that continues to show negative payment history without any original cardholder agreement billing statements or proof of a missed payment. 

XXXX is being reported with materially conflicting information including paid and closed on one bureau and charged off with a balance on another. The furnisher has failed to reconcile these contradictions or provide documentation supporting a charge off. 

XXXX XXXX  is a secured account being reported as charged off without proof supporting the charge off or the reported delinquencies and without any original agreement or complete payment history. 

XXXX XXXX is a collection account reported without proof of debt ownership legal assignment from the original creditor or a complete itemized accounting of the alleged balance. 

In every case I requested lawful verification including original contracts proof of delinquency proof of charge off authority or proof of collection rights. None of this evidence has ever been provided. Continuing to report these accounts after notice of dispute demonstrates failure to conduct reasonable reinvestigations and failure to ensure maximum possible accuracy.

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 2025-12-26 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: FL

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within XXXX ( XXXX ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX - XXXX, XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than XXXX  days, confirming that this account can not be validated. 
Nevertheless, TRANSUNION continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with XXXX  law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
THE LATE PAYMENTS BEING REPORTED ARE INACCURATE AND DO NOT REFLECT MY ACTUAL PAYMENT HISTORY.

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 2025-12-26 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: MO

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am being harassed by Discover regarding a past due credit card balance. I have repeatedly told them that I can not make any payments right now because I am waiting for my XXXX benefits, and that I will pay the full balance once the benefits arrive. Despite this, they continue to call me multiple times a week, pressuring me to make partial payments, enroll in programs, or agree to extensions. I have clearly stated that I can not pay, have no money, and yet the calls continue, which is causing me stress and harassment. I am requesting that they stop contacting me by phone until I am able to make payment. 
They have called me 5 times this month. Trying to make me pay payments for the 40 days I have made a payment down to 30 days? I have told her many times I can not pay until my SSDI comes in and plan on making a full payment. She claims she understands but then she proceeds to ask for a minimum payment. This is very annoying and I ask to stop all calls and even written notices. I have family issues right now over my money and it got violent. I do not want anymore stress added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I submitted a written dispute directly to Experian regarding inaccurate and incomplete information appearing on my consumer credit report. Experian acknowledged recipt of my dispute but refuse to conduct any reinvestigation. In its response, Experian claimed without evidence that my dispute " does appear to have been sent by me or authorized by me, '' and expressly stated it took no action on my dispute. Experian 's refusal is unlawful. The Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a consumer reporting agency to conduct a reasonable reinvestigation of disputed information when notified directly by the consumer. The FCRA does not requires to be submitted through any specific method, nor does it permit Experian to reject disputes based on unsupported claims of authorization. Experian did not request identity verification under 15 U.S.C. 1681i ( a ) ( 1 ) ( B ), did not allege identity theft or fraud, and did not identify any deficiency in my dispute. Instead, Experian issued a stall letter redirecting me to its website and phone system while continue to report disputed information without investigation. By admitting that it received my dispute and chose not to act, Experian violated its statutory duties under 15 U.S.C. 1681i ( a ), 1681e ( b ) and 1681i ( a ) ( 7 ). As a result of Experian 's failure to reinvestigate, I have suffered concrete harm, including continue reporting of inaccurate or unverified negative information on my credit file, damage to my credit profile and creditworthiness, increased difficulty obtaining credit on fair terms, and ongoing emotional distress and time spent attempting to correct errors thar Experian is legally required to investigate. I am requesting that the Consumer Financial Protection Bureau require Experian to comply with federal law, conduct a proper reinvestigation, and correct or delete any disputed information that can not be verified as accurate

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 2025-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding the inaccurate and inflated reporting of an alleged apartment-related collection account in the amount of approximately {$9200.00}. On XX/XX/2025, SYNERGETIC COMMUNICATIONS falsely reported that I owed {$9200.00}. 

I dispute both the existence and the amount of this debt. I do not owe this balance. The amount being reported does not reflect lawful charges, actual damages, or verifiable costs. The charges appear to have been fabricated or grossly exaggerated and were placed into collections without proper validation. 

Despite my disputes, this account continues to be reported in a manner that is materially misleading and harmful. Any itemization relied upon by the furnisher appears to be self-generated documentation, unsupported by independent evidence such as move-in and move-out inspection reports, dated photographs, third-party repair invoices, or proof that the alleged damages exceed normal wear and tear. 

Reporting an inflated or unverified amount constitutes inaccurate credit reporting and false representation of a debt. I have requested validation and a reasonable investigation, including documentation substantiating the amount reported. To date, no competent evidence has been provided. 

This inaccurate reporting has resulted in denial of housing and significant financial harm. 

I am requesting that the CFPB require the furnisher and reporting agencies to : Conduct a lawful, reasonable investigation Provide full documentation supporting the amount reported Correct or delete the account if it can not be fully verified I am seeking removal of this inaccurate collection account from my credit report of each of the reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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 2025-12-26 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: NJ

Complaint narrative:
The hard inquiries listed on my consumer credit report are unauthorized by me. I did not provide my consent, authorization, or application for credit that would permit these inquiries to be made. Although the creditors may claim a permissible purpose, I did not initiate or approve any transaction that would lawfully allow access to my consumer report.

I have previously disputed these inquiries ; however, they continue to be reported. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only for purposes authorized by law. In the absence of my authorization or a valid, verifiable permissible purpose initiated by me, the continued reporting of these inquiries is inaccurate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
This complaint is in regards to the company Credit Karma. On their app, they provide advertising that is claims to be dedicated to your unique situation and accurate on its offers. Over the past two years, none of their solicitation for offers has been accurate. They advertise a much lower rate than they actually offer, but then they run your credit and the offer is nowhere near the advertised offer although they claim it to be a dedicated offer. Before they run a credit check they know all of my financial information from the credit karma website. This has caused my credit score to go down several points when they know in advance what my situation is and should be able to offer an accurate interest rate on solicited car refinance loans.

Company response to consumer: Closed with explanation