vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MS

Complaint narrative:
I am writing to formally dispute the accuracy and validity of an account currently being reported on my trans union credit file. The account in question relates to a credit card creditor that has failed to provide lawful verification of the alleged debt. Despite this, trans union continues to list the account as verified, which is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, transunion has violated the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Failure to provide all relevant consumer information to the furnisher during reinvestigation. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information from a consumer file. 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy of consumer reports. To date, neither the creditor nor XXXX  has provided : A signed contract or application establishing my liability for this debt ; Proof of ownership, transfer, or assignment showing the creditors legal authority to collect or report the account ; Accurate balance and payment history that reflects the accounts true status after repossession and sale. The continued reporting of this account as verified without adequate documentation constitutes negligence and willful noncompliance, subject to damages under 15 U.S.C. 1681n and 1681o. Additionally, my personal information was involved in the XXXX data breach in XXXX, which further increases the likelihood of data corruption, identity misuse, and inaccurate account reporting. Given this known breach of consumer data across credit bureaus, transunion is under a heightened duty of care to ensure strict compliance with 1681e ( b ) and 1681i ( a ) by verifying that the disputed information truly belongs to me and has not been compromised. Under Mississippi Code Annotated 75-24-5, deceptive or misleading reporting constitutes an unfair trade practice. Continuing to report this account as verified after notice of dispute and data vulnerability is a violation of both federal and state consumer protection laws. These inaccuracies have resulted in denied credit applications, higher interest rates, and measurable financial harm. To add context this account has been removed from XXXX  and equifax because it can not be verified and transunion is refusing to remove it with providing proof of the said investigation.

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 2025-11-13 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: VA

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer. 

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing the late payments being reported on this account because the information you and the credit bureaus are reporting is inaccurate, inconsistent, and not verifiable under FCRA and Metro 2 requirements. 
1. Inconsistent Late Payment Reporting Across All 3 Bureaus You are reporting completely different late-payment histories for the same exact months : XX/XX/XXXX : Experian : Paid on time Equifax : Paid on time TransUnion : Paid on time XX/XX/XXXX : Experian : Paid on time Equifax : Paid on time TransUnion : Paid on time XX/XX/XXXX : Experian : 30-day late Equifax : 60-day late TransUnion : 30-day late XX/XX/XXXX : Experian : 60-day late Equifax : Paid on time TransUnion : 60-day late This violates : FCRA 607 ( b ) maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnishers can not report information they know or should know is inaccurate Metro 2 Credit Reporting Standards all payment histories must match across all CRAs and be internally consistent You can not report three different versions of the same payment history and call it accurate. 
2. Inconsistent Dates ( DLA, Date Opened, etc. ) You are also reporting different dates for the same account : Date of Last Activity ( DLA ) : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX Date Opened : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX All of this violates : FCRA 623 ( a ) ( 2 ) furnishers must correct and update information that is incomplete or inaccurate Metro 2 Field Definitions dates must match across all CRAs and can not conflict 3. You Failed to Mark This Account as In Dispute I have been actively disputing this account, yet you have not marked it as disputed with any CRA. 
That is an additional violation of : FCRA 623 ( a ) ( 3 ) you must report an account as in dispute when a consumer disputes it 4. Verification of Late Payments You Did Not Provide It Since you clearly do not know what verification actually is, here is what is legally required to verify a late payment : To verify a late payment, you must provide : Bank-posted payment records showing the date you received the payment Your internal payment ledger Billing statements showing due dates and posting dates Sending me : a copy of my credit report we verified with the creditor you have a third party working on your credit NONE of that is verification under the FCRA or Metro 2 . 
Verified is not valid unless you provide real documents. 
Without actual payment-posted proof, this late payment reporting is hearsay and not legally verifiable. 
5. Hardship + Harm I have lost my job, and inaccurate reporting like this is directly harming me. I have disputed this multiple times, and you still refuse to correct obvious errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
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 XXXXXXXX XXXX XXXX XXXXXXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX Illinois | United States Bankruptcy Court ) 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 XXXX  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 2025-11-13 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: MA

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported on my credit report. These disputes are based on discrepancies regarding the charge-off status of the accounts and inquiries that are incorrectly listed. The accounts are listed below, separated by credit bureau. 

CHARGED OFF ACCOUNTS : Collection Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 XXXXXX/XX/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 2025-11-13 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: EQUIFAX, INC.
State: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Sent in a physical mail request with a copy of my SSN card, proof of identity to the PO Box Synchrony bank requested me to Sometime Early XXXX. 

XX/XX/XXXX - Get a notification that information has been updated and I am not able to access my rewards points and use my account XX/XX/XXXX - Completed XXXX document for an IRS form they wanted me to complete Got a mail from the IRS to my tax filing address about how they could not complete the request at the time Called Synchrony 4 times during this time XX/XX/XXXX - They sent a new docusign over and I complete the same form. 

Now XX/XX/XXXX with no updates. Still locked out of my account, my rewards points, etc. Tried calling the support line but the department that deals with this physically does not attempt to call me.

This is past the 30 day deadline, and is in violation of the FCBA, TILA, Regulation Z, FCRA, CFPB rules.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my con
cern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: INDEPENDENCE HOME LOANS LLC
State: VA

Complaint narrative:
On XX/XX/XXXX The loan officer XXXX charged XXXX.of the loan amount which was charged 6.35 % points during a refinance with Independence Home Loans, which I believe was excessive and not properly disclosed. More recently, the same loan officer attempted on XX/XX/XXXX thru XX/XX/XXXX to initiate what looked to be a fraudulent XXXX  XXXX refinance and pressured me to sign a blank Affidavit of Title, without providing full loan terms or documentation. I believe this conduct may violate federal lending regulations and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a 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 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 ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am writing to formally dispute specific accounts, inquiries, and late payment information listed on my credit reports with the three major credit bureaus. Below, I have outlined the details of the disputed information, separated by bureau. 
Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Inquiries : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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 2025-11-13 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: DE

Complaint narrative:
I am disputing the following accounts and inquiries reported by TransUnion. I believe these accounts contain errors and require further review for accuracy. I ask for a thorough investigation and correction of any inaccurate or incomplete entries.

Charged Off Accounts in Dispute : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Account # : XXXX, XXXX ( XXXX  ) Issue : Inaccurate charge-off status, balance discrepancies.

Violation ( s ) : FCRA 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: OK

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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