vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of my XXXX account ending in XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$10000.00} and last payment on XX/XX/XXXX, which shows a XXXX late payment that does not fully reflect my actual payment history, ongoing billing inquiries, or payment application timing. The reported late payment fails to account for billing disputes protected under 15 U.S.C. 1666 and 1666a, which restrict creditors from reporting disputed information as delinquent during active investigations. Under FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), credit reporting agencies and furnishers are required to ensure that all reported information is accurate, complete, and updated when corrections or clarifications are identified. Despite my efforts to dispute this information and provide documentation, the account continues to display an incomplete and misleading late payment, misrepresenting my financial responsibility and causing potential harm to my creditworthiness.

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 2025-12-23 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: IL

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I applied for the Citi / AAdvantage Platinum Select Card on Wednesday, XX/XX/year>. Citi placed the application under review for identity verification due to a fraud alert on my credit report but did not request ID verification until I manually called in to check on the status of my application on Saturday, XX/XX/year>. Citi attempted outbound phone calls for identity verification, but the calls repeatedly failed to go through. 

Because the calls did not go through, the application was automatically denied for being unable to verify identity. I repeatedly contacted Citi by phone and visited multiple Citi branches, but was told that no further action could be taken. One Citi phone rep told me that they could only verify by phone using the same method ( which repeatedly failed ) despite me knowing someone else who recently applied to the same exact card and also had a fraud alert on file and had their ID verified through text message using their phone number on file with the fraud alert.

This denial was not based on creditworthiness. I have an excellent credit profile, existing Citi credit cards, and the application was denied solely due to failed outbound verification calls. The Citi reps I spoke with before told me that they could not even run the application until my ID was verified via phone call, so it appears that it the application was not even fully run. The application status immediately flipped to denial after the 5th failed ID verification call on Sunday, XX/XX/year>. I am requesting that Citi reopen or reevaluate the application and provide a reasonable method to complete identity verification ( e.g., in-person verification in a branch, text message, or other legitimate alternative method ).

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 2025-12-23 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: AR

Complaint narrative:
I am following up on my previous complaint regarding numerous inaccuracies, outdated information, and unauthorized reporting on my credit reports from Equifax, Experian, and TransUnion. Specifically, accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to show late payments despite a XXXX balance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as a charge-off with incorrect balances and dates, and collections such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear on my reports beyond the seven-year reporting limit with inaccurate dates of first delinquency and balances. Additionally, the repossession account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  contains incorrect amounts and reporting dates. Multiple hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appear on my credit reports without my authorization or verification. These inaccurate, outdated, and unauthorized entries continue to violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the District of Columbia Consumer Protection Procedures Act ( DCPA ), including provisions governing accurate reporting, proper dates of first delinquency, dispute rights, and permissible inquiries.

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 2025-12-23 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: AR

Complaint narrative:
I am following up on my previous complaint regarding numerous inaccuracies, outdated information, and unauthorized reporting on my credit reports from Equifax, Experian, and TransUnion. Specifically, accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to show late payments despite a XXXX balance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as a charge-off with incorrect balances and dates, and collections such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear on my reports beyond the seven-year reporting limit with inaccurate dates of first delinquency and balances. Additionally, the repossession account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  contains incorrect amounts and reporting dates. Multiple hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appear on my credit reports without my authorization or verification. These inaccurate, outdated, and unauthorized entries continue to violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the District of Columbia Consumer Protection Procedures Act ( DCPA ), including provisions governing accurate reporting, proper dates of first delinquency, dispute rights, and permissible inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
My loan originated in XX/XX/XXXX fast forward to now I had fallen on hardship with a separation/divorce and foreclosure, I had deferred and entered into forbearance a few times then XXXX XXXX happened and still struggling to get my life in order, My loans had switched service providers without notice and all my data was sent to another service provider for collections and was misguided by repayment plans and fees were accumulating. From Navient to Aidvantage etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX of XXXX, Virginia. The vehicle was financed through XXXX XXXX XXXX via XXXX. 

Within approximately three weeks of purchasewell inside 30 daysthe vehicle suffered a transmission failure and became incapacitated. The vehicle was transferred to XXXX of XXXX, Maryland for repairs. From that point forward, the vehicle remained in the dealerships possession for approximately nine months and was not available for my use. 

Despite the vehicle being unusable and retained by XXXX, I was continuously billed by XXXX XXXX XXXX for monthly payments. I notified XXXX of the situation and explained that the dealership had possession of the vehicle and that repairs were not being completed. XXXX representatives informed me that I needed to deal with the dealership, but XXXX continued billing and reporting the account. 

XXXX did not provide a loaner vehicle for approximately two months. When a loaner was eventually provided, it was struck by an illegal driver ; I was not at fault. My insurance coverage at the time fully covered all damages related to this accident, and there were no insurance-related barriers preventing repairs or resolution. 

Despite full insurance coverage, XXXX was unable to provide a replacement loaner vehicle, leaving me without transportation again. I also contacted XXXX XXXX regarding this issue and spoke with a representative named Patience. XXXX XXXX redirected responsibility back to XXXX, and no resolution was provided. I escalated the issue to XXXX XXXX, XXXX XXXX at XXXX, but the matter remained unresolved. 

The vehicle was not repaired until approximately XX/XX/XXXX. During the entire period, I did not have possession or use of the vehicle. Nevertheless, XXXX continued to report missed payments and ultimately reported a repossession. The repossession occurred despite the vehicle being in the dealerships possession for an extended period and never being returned to me for use. 

Reporting delinquencies and a repossession under these circumstances is inaccurate and unfair. XXXX was on notice of the vehicles incapacitation and prolonged dealer possession and failed to properly investigate or ensure accurate reporting as required by the Fair Credit Reporting Act. Directing me back to the dealer did not satisfy XXXX obligation to report accurately. 

This situation caused significant financial and physical hardship. The vehicle was intended for work and personal transportation. Its prolonged unavailability forced me into additional debt of approximately {$10000.00}, disrupted my ability to work consistently, and caused substantial stress and strain.

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 2025-12-23 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: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX of XXXX, Virginia. The vehicle was financed through XXXX XXXX XXXX via XXXX. 

Within approximately three weeks of purchasewell inside 30 daysthe vehicle suffered a transmission failure and became incapacitated. The vehicle was transferred to XXXX of XXXX, Maryland for repairs. From that point forward, the vehicle remained in the dealerships possession for approximately nine months and was not available for my use. 

Despite the vehicle being unusable and retained by XXXX, I was continuously billed by XXXX XXXX XXXX for monthly payments. I notified XXXX of the situation and explained that the dealership had possession of the vehicle and that repairs were not being completed. XXXX representatives informed me that I needed to deal with the dealership, but XXXX continued billing and reporting the account. 

XXXX did not provide a loaner vehicle for approximately two months. When a loaner was eventually provided, it was struck by an illegal driver ; I was not at fault. My insurance coverage at the time fully covered all damages related to this accident, and there were no insurance-related barriers preventing repairs or resolution. 

Despite full insurance coverage, XXXX was unable to provide a replacement loaner vehicle, leaving me without transportation again. I also contacted XXXX XXXX regarding this issue and spoke with a representative named Patience. XXXX XXXX redirected responsibility back to XXXX, and no resolution was provided. I escalated the issue to XXXX XXXX, XXXX XXXX at XXXX, but the matter remained unresolved. 

The vehicle was not repaired until approximately XX/XX/XXXX. During the entire period, I did not have possession or use of the vehicle. Nevertheless, XXXX continued to report missed payments and ultimately reported a repossession. The repossession occurred despite the vehicle being in the dealerships possession for an extended period and never being returned to me for use. 

Reporting delinquencies and a repossession under these circumstances is inaccurate and unfair. XXXX was on notice of the vehicles incapacitation and prolonged dealer possession and failed to properly investigate or ensure accurate reporting as required by the Fair Credit Reporting Act. Directing me back to the dealer did not satisfy XXXX obligation to report accurately. 

This situation caused significant financial and physical hardship. The vehicle was intended for work and personal transportation. Its prolonged unavailability forced me into additional debt of approximately {$10000.00}, disrupted my ability to work consistently, and caused substantial stress and strain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: OK

Complaint narrative:
I am disputing a debt being collected by XXXX XXXX XXXX XXXX XXXX on behalf of TeleCheck Services , LLC, allegedly originating from a check transaction at XXXX No. XXXX on XX/XX/year>, in the amount of {$710.00}. This debt is not mine and is the result of identity theft. 

I do not have, and have never had, a checking account with the financial institution associated with this transaction. I did not write, authorize, sign, or present the check in question. I reported the matter as fraud and provided a police report number when I disputed the debt. 

I timely disputed the debt both in writing and electronically on the same day I received the initial collection notice ( XX/XX/year> ). XXXX XXXX XXXX acknowledged receipt of my dispute and identity theft claim in writing in a letter dated XX/XX/year>. 

Despite this, XXXX XXXX XXXX continued collection activity and issued a Second Notice dated XX/XX/year>, asserting liability for the debt and listing a return reason of stop payment. This contradicts earlier communications describing the item as returned unpaid and conflicts with the identity theft claim already on record. 

I requested proper debt validation, including proof that I was the account holder or authorized signer, clarification of the contradictory return reasons, and documentation substantiating the alleged debt. The only documentation provided was an electronic XXXX receipt, which does not establish liability, authorization, or ownership of the account and does not satisfy validation requirements. 

XXXX XXXX XXXX continued to pursue collection despite having notice of fraud and a police report number, and without providing adequate validation. The continued collection activity, contradictory representations, and failure to properly validate the debt have caused ongoing concern and potential harm, including threats of negative reporting through TeleCheck systems. 

I am requesting that this matter be investigated, that collection activity cease, and that the alleged debt be withdrawn as it is not mine and has not been properly validated.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NC

Complaint narrative:
I dispute a charge with my credit card company from discover for {$320.00} I showed all proof that I returned a package and the seller hasnt refunded me my money nor XXXX  and I been back and fourth with them for a month now still my credit card company hasnt been helpful they would refund my credit backs to my account and than take it back and they would do that XXXX and XXXX like its a game to them they would give me back my credit than take it back like its a joke my credit card company hasnt been no help and also its so bad that Ive cried asking them to help me out and they havent been helpful I showed them all proof and evidence that the package got returned back to the sender and after this last complaint I will also file another one with a different company and I will be closing off my Credit card asap because Im upset Ive showed all proof of the package being returned successfully back to the seller and the seller wouldnt refund me and XXXX even told me they will refund me but my credit card company doesnt want to help or XXXX! Im so upset to the point I want to start a lawsuit!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the validity of some or all of the charges associated with the account you are attempting to collect ( Reference Number : XXXX ). 
I do not believe this balance is accurate. The total amount being claimed appears unusually high, and I dispute the accuracy of some or all of the charges, including any payments that may not have been properly credited.

Under the Fair Debt Collection Practices Act, I am requesting written verification of this debt, including : The name of the original creditor An itemized breakdown of the amount claimed Documentation showing that I am legally responsible for this debt Until such verification is provided, please cease collection efforts and do not report or continue reporting this account to any credit reporting agencies.

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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I received notification on my credit report and have been disputing it since XX/XX/XXXX and reached out to the company for verification. It was deleted and reinserted. Company sent it over to attorney who demanded payment. I have informed them several times that I am a fraud victim and have not lived at the stated address since XX/XX/XXXX. To Whom It Concerns : I am writing to dispute the accuracy and ownership of an account currently appearing on my credit report. It is not fair for me to pay the debt I didnt make and to have my credit score continuously drop.

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 2025-12-23 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have XXXX fraudulent " collections '' accounts that appeared on my credit fil about a week ago. Experian tells me they are valid and they are not going to remove them. I have contacted by phone the company the credit companies list as holding the debt, " LVNV funding '', they tell me they do not have me in their system and can not find any file or information about me at all. these debts are not mine. It seems someone, at some point, opened a card and ran up around {$2500.00} in charges. I have never received a bill for this, or any notification at all until it suddenly appeared on my credit report ( and dropped my otherwise perfect credit score by XXXX points ). 

I now have {$2500.00} in debt, that has gone to collections apparently, by a company who tells me they have never heard of me. and the credit reporting agencies seem unwilling to do anything about it.

Company response to consumer: Closed with explanation