vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I contacted XXXX regarding paying account status. Was told by XXXX that account would contact the collection agency to have the account permanently removed. When they failed to do that, I contacted the collection agency and they stated once they received information stating this account was paid they would remove permanently. Failure to comply to the agreement since it was paid on XX/XX/year> is a serious concern under the Fair Credit Reporting Act. I relied on the representation that the account would indeed be removed upon paid obligation- which I fulfilled on my end. Despite full and timely payment, the account remains on my credit reports, which constitutes a clear breach of your agreement and is causing ongoing financial harm. 
Attached is an information from my bank statement showing date amount obligated was paid/satisfied. XXXX also attached where its still showing as collections on my XXXX Report Information is as follows : IC Systems INC Amount {$670.00} Paid on XX/XX/scrub>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 2025-12-24 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: PR

Complaint narrative:
A few weeks ago I reviewed my credit report and discovered several accounts and hard inquiries that I never authorized. There is no document proving that I ever gave permission for these entities to access my information or report anything on my file. 
When I saw this, I became concerned because it had already affected me without my knowledge. I was denied a loan I needed, and on another financing I received a higher interest rate than I should have. I was being harmed by this situation. 
I did what the law requires I filed a report with the FTC and submitted it directly to the credit bureau. Under FCRA 605B, when a consumer submits that report, the bureau has four business days to block the disputed information, unless it can prove with actual documentation that the consumer authorized those accounts. In my case, that proof does not exist, because I never authorized anything. 
Despite completing the entire process, the information is still appearing on my report. The bureau has not shown me any evidence that I authorized those accounts or inquiries. 
Furthermore, FCRA 604 is clear : no one can access my credit history without a permissible purpose. These inquiries were made without my consent and without any legitimate business relationship with me. 
And FCRA 607 ( b ) requires bureaus to maintain reasonable procedures to ensure that information is accurate. The fact that they continue to report accounts and inquiries with no documentary support shows that those procedures are not working.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I have requested validation of the debt, but the company have failed to provide any proof that I owe the amount claimed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-24 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:
XXXX XXXX XXXXXXXX reported a XXXX late payment on my secured credit card account for XX/XX/XXXX. The account was opened in XX/XX/XXXX, has a {$500.00} credit limit, and is currently paid with a {$0.00} balance and reported as pays as agreed. 

I disputed the reported delinquency with the consumer reporting agencies. Following my Equifax dispute, Equifax updated multiple fields on the account, including historical account information and additional account data. The account balance and payment-related fields were corrected ; however, the XXXX delinquency code for XX/XX/XXXX remained without explanation or documentation. 

I also disputed the account through XXXX. On XX/XX/XXXX, XXXX completed its investigation and similarly updated multiple account fields, including balance, last payment date, payment status, and historical data, while leaving the reported delinquency in place. 

Despite partial corrections made by multiple consumer reporting agencies, XXXX XXXX XXXX has not provided documentation establishing that the account met the legal definition of a XXXX delinquency. I have not been provided with confirmation of the contractual due date for the XX/XX/XXXX billing cycle, the payment receipt date versus posting date, the applicable payment crediting rules, or evidence that the account exceeded XXXX  days past the contractual due date rather than being affected by processing or statement cycle timing. 

Updating positive account data while continuing to report a delinquency without substantiation raises concerns regarding the accuracy, completeness, and consistency of the account status being furnished. I am requesting that XXXX XXXX XXXX either provide full transaction-level substantiation supporting the reported delinquency or correct the account status to ensure accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. regarding how my credit file and disputes have been handled. 

I have repeatedly requested that Experian conduct a complete, file-wide review and reinvestigation of all information in my credit file, not just selected accounts, as required under the Fair Credit Reporting Act ( FCRA ) and Washington state law. My credit file contains information reported under my current legal name, XXXX XXXX XXXX, as well as my former/maiden name, XXXX XXXX XXXX XXXX I have provided documentation establishing this name history, and there is no legitimate identity issue preventing a full review. 

Instead of conducting a thorough, good-faith reinvestigation of my entire file, Experian has delayed or obstructed the process by marking or treating my CFPB complaints as potential fraud or scam activity. I dispute this characterization. I am the consumer submitting complaints about my own credit file, and my requests are legitimate. 

Because of this labeling, my disputes have not been handled in a timely or substantive way. I have not received clear explanations of what portions of my file were reviewed, what procedures were used to determine accuracy, or what evidence was relied upon to verify the information. Generic responses stating that items were verified do not demonstrate that Experian applied reasonable procedures or relied on verification methods that are reliable, complete, and legally sufficient. 

I am specifically requesting that any verification Experian relies upon be lawful, reasonable, and credible, and that it consist of documentation or evidence that would be acceptable under applicable federal and Washington law and capable of withstanding scrutiny in a court of law. Automated confirmations, internal database checks alone, or unverifiable third-party assertions do not satisfy this standard. 

Under the FCRA, Experian is required to follow reasonable procedures to assure maximum possible accuracy, provide a complete disclosure of my file, and conduct a reasonable reinvestigation when information is disputed. Washingtons Consumer Reporting Act provides similar protections. Delaying or limiting review, or relying on inadequate verification methods, interferes with these statutory rights. 

I am not refusing identity verification and I am not engaging in fraud. I am requesting that Experian take responsibility as a consumer reporting agency and apply maximum effort to ensure all information in my credit file is complete, accurate, current, verifiable, and supported by lawful and credible evidence.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My student loans were being reported inaccurate/delinquent when it shouldve been paused and in forbearance. 
I am writing to dispute the unauthorized access to my student loan data by XXXX agents. This access constitutes a violation of my rights under the Privacy Act and FERPA. I request that XXXX be ordered to cease all further access to my records, that my personal information be returned to me, and that my student loans be removed from my credit report. 
This loan has been closed out and Transferred to a new loan servicer under new terms. Please remove this account from my credit file in compliance with the FCRA immediately this is a violation will be a PreArbitration Demand Letter with Intent to Sue based on 15 U.S.C. 1681 Fair Credit Reporting Act FCR

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX XXXX were being reported inaccurate/delinquent when it shouldve been paused and in forbearance. 
I am writing to dispute the unauthorized access to my XXXX XXXX  data by DOGE agents. This access constitutes a violation of my rights under the Privacy Act and FERPA. I request that DOGE be ordered to cease all further access to my records, that my personal information be returned to me, and that my XXXX XXXX be removed from my credit report.

This loan has been closed out and Transferred to a new loan servicer under new terms. Please remove this account from my credit file in compliance with the FCRA immediately this is a violation will be a PreArbitration Demand Letter with Intent to Sue based on 15 U.S.C. 1681 Fair Credit Reporting Act FCR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Unauthorized Debit Card Transactions Financial institution : Navy Federal Credit Union Type of account : Debit card / checking account Issue : Unauthorized transactions/ fraud claim improperly denied I am filing this complaint regarding Navy Federal Credit Unions handling of unauthorized debit card transactions totaling {$750.00} on my checking account ( debit card ending in XXXX ). 

I did not make, authorize, or benefit from any of these transactions. On the dates in question, I was physically located in XXXX XXXX, Florida and did not travel out of state. Several of the disputed transactions occurred in Georgia, Texas, and New York, making it impossible for me to have made them. 

My debit card never left my possession, was not lost or stolen, and has never been shared with anyone. I received no merchandise or services related to these charges and have no connection to the merchants involved. These transactions are inconsistent with my account history and spending patterns. 

Despite this, Navy Federal denied my fraud claim after its initial investigation. I submitted a formal appeal and detailed written statements addressing each fraud-review question, yet Navy Federal continues to withhold provisional credit during the appeal, leaving my account negative and causing financial harm.

Under Regulation E ( 12 CFR 1005 ), consumers are protected from unauthorized electronic fund transfers. The charges meet the definition of unauthorized transactions, and Navy Federal has not provided sufficient justification for denying my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to report conflicting, misleading, and unverifiable information across consumer reporting agencies : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ; XXXX XXXX XXXX  ( Original Creditor : The XXXX XXXX Apartments ) ; medical collection account ending XXXX. 

These accounts are reported with inconsistent balances, account terms, payment histories, dates, and statuses ( charged-off, closed, collection ), and include unresolved or contradictory dispute notations. In multiple instances, the furnishers and credit bureaus failed to disclose or provide the method of verification or documentation supporting the accuracy of the reporting. 

These actions violate 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-24 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: GA

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to report conflicting, misleading, and unverifiable information across consumer reporting agencies : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ; XXXX XXXX XXXX  ( Original Creditor : The XXXX XXXX Apartments ) ; medical collection account ending XXXX. 

These accounts are reported with inconsistent balances, account terms, payment histories, dates, and statuses ( charged-off, closed, collection ), and include unresolved or contradictory dispute notations. In multiple instances, the furnishers and credit bureaus failed to disclose or provide the method of verification or documentation supporting the accuracy of the reporting. 

These actions violate 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I purchased items totaling {$410.00} USD from XXXX. The package was marked 'Delivered, ' but I never received it. 

The Fraudulent 'Audit ' : When I reported the missing item, the Merchant ( XXXX ) denied my refund, claiming a XXXX XXXX ' confirmed correct delivery. I asked for the XXXX  data from this audit to verify the location. XXXX refused, stating it was XXXX XXXX. ' I have now independently obtained the Visual Proof of Delivery ( XXXX Map ) from the carrier 's system ( see attached ). The driver scanned the package on a public street ( XXXX XXXX XXXX and abandoned it outside.The driver never entered my apartment complex or building. PayPal 's Failure : I provided this XXXX map to PayPal ( Case XXXX ). Their support agents are refusing to look at the map and are denying the claim because tracking says 'Delivered. ' PayPal 's Buyer Protection requires delivery to the 'Recipient 's Address. ' A drop-off on a public street corner is not delivery to my address.

By accepting a 'Street Drop ' as valid delivery and ignoring the Merchant 's refusal to verify the location, PayPal is facilitating a scam where carriers can abandon packages on public roads without consequence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is reporting inaccurate and inconsistent information for the same credit card account across XXXX XXXX XXXX XXXX 
The account is reported as charged off, yet Capital One continues to furnish different balances and payment information to each credit reporting agency. As of late XXXX XXXX XXXX reports a balance of approximately {$1000.00} with a last payment date in XX/XX/scrub>XXXX XXXX 
XXXX  reports a balance of {$1100.00} with a last payment date in XX/XX/year>XXXX reports a balance of {$1100.00} with similar but inconsistent payment history. 
A charged-off credit card account should be reported accurately and consistently across all consumer reporting agencies. Reporting different balances and last payment dates for the same account is materially inaccurate and misleading. 
I disputed these inaccuracies through the credit reporting agencies. Despite this, Capital One has continued to furnish conflicting information without correcting the errors or providing an explanation. 
This inaccurate reporting has caused ongoing harm to my credit profile, including interference with employment and military eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AL

Complaint narrative:
I am submitting this complaint as my tenth formal dispute and final demand regarding multiple inaccurate, misleading, and unlawful items that continue to appear across my Equifax, TransUnion, and Experian credit reports despite repeated prior disputes. The continued reporting of these items demonstrates a failure to conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and constitutes ongoing noncompliance with FCRA 623 ( a ) ( 1 ) ( A ). 
On my Equifax credit report XXXX XXXX XXXX XXXXXXXX account XXXX is being reported simultaneously with multiple conflicting charged-off balances of {$23000.00}, {$4600.00}, and {$13000.00}. Reporting the same account with inconsistent balances is materially inaccurate, misleading, and unverifiable, and violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Additionally, no valid 1099-C has been issued for any alleged debt exceeding {$600.00}, making the continued charge-off reporting unlawful under 15 U.S.C. 605B / 1681c-2. 
Further, XXXX XXXX account XXXX is reported with a {$0.00} balance on both Equifax and TransUnion, yet continues to appear as a derogatory tradeline. Reporting a zero-balance account in a negative manner falsely implies an outstanding obligation and constitutes inaccurate and misleading reporting. 
I am also disputing the collection account reported by XXXX XXXX, claiming to collect on XXXXXXXX XXXX account XXXX with a balance of {$12000.00}, appearing on both Equifax and TransUnion. This collection has never been properly validated, misrepresents the legal status of the alleged debt, and violates FDCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and 15 U.S.C. 605B / 1681c-2.

Additionally, my credit reports reflect multiple unauthorized hard inquiries that lack permissible purpose under federal law. These include XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX on Experian, as well as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX XXXX XX/XX/XXXX ) on Equifax. The reporting of these inquiries violates FCRA 604 ( a ), FCRA 604 ( f ), and FCRA 619 ( 15 U.S.C. 1681b, 1681q ) due to the absence of any lawful consumer authorization.

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