vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX ( XXXX XXXX XXXX ) Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX ( XXXX XXXX XXXX ) for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) by reporting consumer information including a bankruptcy record that can not be verified from a lawful original source.

I previously disputed this data and requested full source verification and a security freeze. Each of these companies failed to respond within the required 30-day period under FCRA 611 ( a ) ( 1 ) and did not provide any verifiable documentation identifying the original furnisher of the information.

The U.S. Bankruptcy Court ( XXXX XXXX XXXX XXXX  ) has confirmed in writing that it does not furnish or report any consumer data to XXXX XXXX. Therefore, these entities are not obtaining such information from the original source and are misrepresenting the origin of the public record in my consumer file.

FCRA Violations Include : 609 ( a ) ( 1 ) : Failure to disclose the exact source of the reported information.

607 ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

610 : Failure to disclose all third parties that accessed or received this data.

611 ( a ) ( 1 ) : Failure to reinvestigate and respond to my written dispute within the required time.

Requested Resolution : I am demanding that the CFPB require XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX ) to delete any and all consumer information that can not be fully verified by law from the original furnisher, as required under the FCRA.

Generic sources such as public record, PACER, or third-party vendor are not sufficient proof of verification. Unless the entity can produce the exact name of the furnisher, date, and method of acquisition, the information must be deleted immediately from my consumer file.

Additional Note : This complaint should be preserved for the record, as I am considering further legal action under FCRA 616617 for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXX/XX/XXXX Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. XXXXg. They were to notify me of this in writing XX/XX/XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debtXX/XX/XXXX* Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. XXXXg. They were to notify me of this in writing XX/XX/XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXX/XX/XXXX Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. XXXXg. They were to notify me of this in writing XX/XX/XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debtXX/XX/XXXX* Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. XXXXg. They were to notify me of this in writing XX/XX/XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I filed a dispute claim with Chime in regards to a peer-to-peer transaction that I believed was actually sent to a well known scam artist in XXXX, GA and I had previously disputed an XXXX XXXX XXXX  transaction that I wasn't able to be refunded by XXXX XXXX XXXX  themselves , however , I was assure that with the proper documentation and memos located under my account the bank would assist. After multiple claims and claim rebuttals failing, I asked for the documents used in both. What I was provided by XXXX XXXX on XXXX XXXX, XXXX  at XXXX was a series of documents that were not mine nor should they have ever been included or used for my disputes. I tried to escalatethis issue with Chime, however, I was gaslighted and accused of sending these sensitive documents, that I would not ever have access to, but even more so disrespected by my account being closed for " violation of terms and conditions ''. I knew this to be more than a lie, but a blantant coverup and also violation of banking regulations by using unauthorized or requested documents in my dispute investigation and even more so incorrectly denying me multiple times even despite police reports and statements from the merchants themselves advocating for my funds to be returned or recovered on both transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: PA

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: WA

Complaint narrative:
b'I am submitting to formally dispute several inaccurate, incomplete, and unverifiable items currently appearing on my credit report. Upon a thorough review of my credit file, I have identified these specific entries as being reported inaccurately or without sufficient validation, which violates the provisions of the Fair Credit Reporting Act (FCRA). The FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable to protect consumers from harm caused by erroneous or misleading data. In accordance with FCRA 611 (15 U.S.C. 1681i), I am exercising my right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. Furthermore, FCRA 607(b) (15 U.S.C. 1681e(b)) requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, under FCRA 623(a)(1)(A), furnishers of information are prohibited from reporting any data they know or should know to be inaccurate or misleading.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\t: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance:'

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Nordstrom is inaccurately reporting my account after I settled the debt in full for {$700.00}. The settlement was accepted as full and final resolution to close the account. However, Nordstrom continues reporting the full pre-settlement charge-off balance of {$1300.00} as if no settlement occurred. This is false credit reporting.

Once a debt is settled in full, the furnisher is required under the FCRA and XXXX XXXX guidelines to update the tradeline to reflect a {$0.00} balance with a settled/paid notation. By continuing to report the original balance, Nordstrom is knowingly furnishing inaccurate account information and misrepresenting the legal status of the debt.

This is a violation of : 15 U.S.C. 1681s-2 ( a ) ( duty to furnish accurate, complete information ) XXXX XXXX settlement reporting requirements Prohibition on re-aging or reporting a debt as collectible after settlement Nordstrom accepted monetary payment as the final settlement, which means they can not continue reporting the unpaid balance as outstanding. Their failure to update the tradeline is damaging my credit score and misrepresenting my creditworthiness to third parties.

I am requesting regulatory intervention to require Nordstrom to correct the tradeline to reflect the true legal status : settled for less than full balance, {$0.00} amount owed, and no further derogatory monthly updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I filed a dispute with SoFi bank and three days later I was given a provisional credit. But somehow the day before I was credited SoFi restricted my checking and savings account and arent giving me any explanation as to why my account is restricted. I asked them why was my account restricted, they refused to inform me. I have fund still XXXX on the account and bills are due .. Im confused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal Dispute Immediate Deletion under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 To Whom It May Concern, This is a formal and unequivocal demand for immediate investigation and deletion of inaccurate, unverifiable, and identity-misassociated information from my credit file. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2, you must block and delete disputed items within four ( 4 ) business days of receipt. Failure to comply will result in legal action for willful and negligent noncompliance, with statutory damages and fees. 
Delete the following negative accounts : XXXXXX/XX/XXXXXXXX Charged-off/derogatory.

Remove all unauthorized hard inquiries within the last two ( 2 ) years, including but not limited to : XXXXXX/XX/XXXX 
Addresses : Delete all addresses other than my current and correct address : XXXXXX/XX/XXXXXXXX. Remove all other addresses and name variations ( including but not limited to XXXX XXXX XXXX, XXXX XXXX, and similar ) linked in error. 
These items are disputed as inaccurate and/or not verifiable. Under 15 U.S.C. 1681c-2 ( a ), block disputed information within four ( 4 ) business days. Reporting obsolete, unverified, or misattributed data violates 605 ( b ) and subjects you to liability under 1681n and 1681o.

Provide written confirmation of deletion within four ( 4 ) business days from the date above or I will file suit without further notice seeking statutory damages, attorneys fees, and injunctive relief. 
Sincerely, 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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
VIA CERTIFIED MAIL TO : Date : XX/XX/year> Calvary portfolio services XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FROM : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Acct # XXXX To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say l owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say l owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalid information to any of the three major Credit Bureaus XXXX XXXX XXXX  or XXXX XXXX said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: GA

Complaint narrative:
I am filing a complaint to follow up on my previous dispute regarding several accounts that continue to appear on my credit report, despite being inaccurate, unverifiable, and unlawfully reported. I am requesting the permanent removal, not correction, of these items in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of these accounts is causing ongoing harm to my creditworthiness and violates federal law requiring fair and accurate reporting.

The following accounts remain in dispute : The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} was reported as late despite being closed and paid. This information is inaccurate and can not be verified under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). This reporting also falls under 605B / 15 U.S.C. 1681c-2, as it may involve identity-related or fraudulent activity. I am requesting the permanent removal of this account from my file.

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} is listed as charged off, yet there is no valid documentation verifying the legitimacy of this report. Under FCRA 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ), the credit bureau must delete unverifiable or incomplete information. Additionally, 605B / 15 U.S.C. 1681c-2 protects against the continued reporting of fraudulent or erroneous accounts. I demand the deletion of this account from my report. 
The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$7400.00} * * is inaccurately listed as charged off. The absence of a 1099-C form for a debt exceeding {$600.00} raises serious concerns regarding the accuracy and legal validity of the reported balance. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], the bureau must ensure maximum possible accuracy in reporting. Because this account can not be verified, I am requesting its full removal from my report. 
The collection accounts XXXX XXXX XXXX XXXX XXXX  with a balance of {$1000.00} and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$180.00} * * are being reported without sufficient validation from the debt collectors. This violates FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), which require debt collectors to provide proper validation upon request. Their continued presence also violates 605B / 15 U.S.C. 1681c-2 due to unverifiable and misleading reporting. I request their immediate and permanent deletion.

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 2025-10-25 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: PA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

Account Details : 1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted Bank of America prepaID Card customer service to let them edd told me to contact them about my debit card i disnt receive. They said they sent a card out to a address on XXXX XXXX XXXX for the total of XXXX they told me that they were gon na file a dispute for me. Then they denied my claim, but I'm not understanding why.

If if I've never stayed nowhere on XXXX XXXX in XXXX, California, somewhere where I'd never stayed at. I spoke with them and told them. I stayed at the address on XXXX XXXX, but I never stayed anywhere. On XXXX XXXX, so.

They said they would reopen the case, but I'm still not hearing anything from them and?

It's ridiculous that I'm owe money. And they sent my card out to the wrong address. And now they are not trying take care of the situation, I don't think that is fair.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity capital/ XXXX account reporting to my credit that isnt mine Ive filed ftc reports and company and XXXX  and XXXX  refuse to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: PA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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