vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX. ) REPORTED BALANCE OF {$460.00}. I HAD NOT BEEN CONTACTED OF THIS DEBT. in accordance with the SERVICE MEMBER RELIEF ACT, fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverified credit reporting by Equifax under the Fair Credit Reporting Act ( FCRA ). 
Equifax is reporting multiple negative items, high credit utilization, and limited on time payment history that are not consistent with the information reported by other consumer reporting agencies, specially XXXX. As a result, Equifax is generating a materially lower FICO Score XXXX that does not accurately reflect my credit worthiness. 
As of XX/XX/year>, Equifax is reporting a FICO Score XXXX of approximately XXXX, citing 1. Negative items 2. Few accounts paid on time 3. High credit usage 4. Lack of recent balance activity. 

What Equifax did wrong : Equifax has failed to... 
1. Maintain maximum possible accuracy of my credit file 2. Properly investigate disputed information 3. Reconcile conflicting data when materially different reporting exists across bureau 4. Verify the accuracy and completeness of Negative trade lines and balance 5. Correct or delete unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I discovered a collection account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. Prior to this appearance, I never received an initial written validation notice from this agency, which is a direct violation of 12 CFR 1006.34 ( Regulation F ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Under Regulation F, a debt collector is prohibited from reporting a debt to a credit bureau before they have sent a validation notice to the consumer and waited a reasonable period of time ( typically 14 days ) to allow for a response. By placing this on my credit report without prior notice, XXXXXXXX XXXX XXXXXXXX has deprived me of my legal right to dispute or verify this debt before it caused damage to my credit score.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, furnishers of information are required to provide accurate data. Because I was never given the opportunity to verify this debt, the reporting of this unverified information is inaccurate and non-compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I paid off my statement balance for the Month of XXXX. However, I was still charged interest for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 explanation
Consumer complaint received 2025-12-21 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: AR

Complaint narrative:
I do not recognize this account, and it has been reported incorrectly on my credit file.

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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX is reporting a {$510.00} collection for the XXXX XXXX credit card. However, XXXX XXXX reports the same account as closed with a {$0.00} balance and written off. As well as re aged. Both can not be accurate. This is a duplicate and conflicting reporting of the same debt., making XXXX XXXX trade line inaccurate and unverifiable under the FCRA XXXX I am requesting immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am disputing incorrect deferred interest charges applied to my Best Buy credit card account due to a promotional financing error involving returned merchandise. 
I originally purchased a gaming laptop at Best Buy under a XXXX deferred interest promotion. I returned that laptop to the store the next day and exchanged it multiple times due to Best Buy providing incorrect models. I ultimately kept a different laptop ( OLED model ) that was sold under an XXXX deferred interest promotion, which is clearly shown on my receipts. 
Despite the original laptop being returned and exchanged, Citibank failed to properly close or reassign the original XXXX promotion. When 12 months passed, Citibank retroactively applied deferred interest as if I still owned the original laptop. I was charged several large interest amounts ( including charges of approximately {$700.00} and {$400.00} ), even though : The original laptop was returned I never missed a payment The laptop currently in my possession is under an XXXX promotion and was paid on time I disputed this with Citibank and XXXX receipts, but the dispute was incorrectly denied. Best Buy store management has acknowledged that the laptop I own is under an XXXX promotion, yet Citibank refuses XXXX correct the billing. 
This is a billing error under the Fair Credit Billing Act involving returned merchandise and incorrect promotional financing. I am requesting : Reversal of all deferred interest related to the returned XXXX promotion Correction of promotional financing to reflect the XXXX terms of the laptop I own Written confirmation that my account has been corrected and is in good standing I am attaching all receipts showing the exchanges and correct promotion.

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 2025-12-22 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXX : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXX : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX : {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXX : {$2100.00}

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 2025-12-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: MO

Complaint narrative:
b'I am submitting this complaint regarding Reliant Capital Solutions failure to comply with federal debt collection and credit reporting laws.\n\nOn XXXX, I sent Reliant Capital Solutions a written debt validation and dispute request via Certified Mail. The request required them to provide lawful verification of the alleged debt, including proof of ownership, contractual obligation, and itemized accounting.\n\nReliant Capital Solutions received this letter, as confirmed by USPS delivery records. However, they failed to respond within the required 30-day period, and to date, no validation or verification has been provided.\n\nDespite this failure, Reliant Capital Solutions has continued collection activity and/or credit reporting without lawful verification.\n\nThis conduct violates:\n\nFDCPA 809(b) (15 U.S.C. 1692g(b))\n\nFCRA 623(a)(1)(A)\n\nFCRA 623(b)\n\nRegulation F (12 CFR 1006)\nI am requesting that the CFPB require Reliant Capital Solutions to:\nProvide full and lawful validation of the alleged debt, or\n\nPermanently cease collection activity and delete any credit reporting associated with this account\nI am attaching proof of certified mail delivery and a copy of my original dispute request.\n\nCretified Mail Reciept: XXXX XXXX XXXX XXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Overview : I am disputing an invalid debt of {$1300.00} ( associated with Affirm Loan ID : XXXX ) currently being collected by XXXX. This loan was settled in full through my bank, yet Affirm incorrectly processed a " XXXX '' on XX/XX/year>, due to a failure to reconcile dispute reversals. 

Payment and Dispute Timeline : In XX/XX/year>, I used an Affirm Virtual Card for a purchase of {$2600.00}. I made XXXX successful payments of $ XXXX via XXXX XXXX XXXX XXXX the balance by XX/XX/year>. I later initiated a merchant dispute with my bank, which resulted in temporary credits for XXXX of these payments ( {$670.00} and {$670.00} ). 

Evidence of Settlement : My XXXX XXXX " Account Activity '' records ( provided in attachments ) prove that these funds were permanently re-settled to Affirm : XX/XX/year> : {$670.00} was re-billed/settled to Affirm. 

XX/XX/year> : {$670.00} was re-billed/settled to Affirm. 

The Error : Despite receiving these funds in XXXX and XXXX, Affirm issued a " Debt Validation '' letter on XX/XX/year>, claiming the loan was " Charged Off '' and that I remained responsible for repayment. This is an accounting error ; Affirm has been paid the full {$2600.00}. I contacted Affirm on XX/XX/year>, to resolve this, but they claimed my request was " unclear '' and refused to reconcile the XXXX settlement dates to my loan ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX

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 2025-12-22 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information reported on my credit file with your bureau. I have reviewed my credit report and found discrepancies that I believe need to be corrected. Below, I have provided details of the disputed items for each bureau Experian, that require your immediate attention. 

Charged Off Accounts XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} FNWSE/OPPLNS, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX CRED XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} UPGRADE XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payment Accounts XXXX, Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TN

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-21 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:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered an unauthorized account and inquires appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute this account and inquires and submitted documentation supporting that this debt was not incurred by me.

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of this account violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of this unverified account and unauthorized inquiries has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply by allowing unverifiable and inaccurate information to remain.

Unauthorized Accounts Listed Below : 1 ) XXXX XXXX XXXX Amount : {$91.00} Date Opened : XXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX  15 ) XXXX XXXX 16 ) XXXX XXXX  17 ) 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am formally disputing the accuracy of this medical collection. Please provide full validation as required by law. If validation can not be completed within the required timeframe, I am requesting deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
On XX/XX/year>, I went to a dental office for a routine cleaning. Instead of addressing my concern, I was pressured to apply for financing for dental services that were never explained or agreed to. The loan documents were presented on an XXXX, and I was instructed where to sign without adequate time to review the terms. 

The same day, {$6000.00} was withdrawn from the loan and paid directly to the dental office, even though no treatment had been provided. On XX/XX/year>, the dentist adjusted my existing denture, resolving the issue, and I cancelled the new denture in person. No new dental services or appliances were ever provided. 

Despite this, I remain obligated on a high-interest installment loan ( 28.95 % APR ) with required monthly payments of approximately {$320.00}. The lender later contacted me stating I was behind on payments. I informed them that no services were rendered and that the dental office has the loan funds. I am disputing the validity of this loan because it was obtained through pressure and tied to services that were never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I got gas at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Louisiana by paying at the pump. I was surprised when it clicked off at {$26.00} and then got a notification from Chime that I had spent {$26.00} at XXXX 's and my balance was - {$59.00}. As in, XXXX XXXX XXXX XXXX XXXX XXXX  I filed a dispute with Chime the next day after the charge went from pending to posted and the {$59.00} did not come back onto my card. On XX/XX/XXXX, Chime concluded the investigation by crediting me back {$26.00}. While I appreciate that, that is not the amount I was disputing. That is the amount that I do owe for the gas. I am asking for the {$59.00} back that is still owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I am submitting this as my first formal dispute regarding multiple inaccuracies currently appearing on my Equifax, Experian and TransUnion credit report. Upon reviewing my report in detail, I have identified several entries that are inaccurate, incomplete, or unverifiable, including an incorrect address, a charge-off, a collection account, and multiple inquiries. The continued reporting of these inaccuracies negatively impacts my creditworthiness and may result in higher interest rates, denial of credit, or other adverse financial consequences. I am requesting a thorough reinvestigation of all items listed below, with verification directly from the original furnishers where applicable, in strict compliance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 605 ( a ). 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Original Creditor XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief