vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've been in touch with each of the 3 bureaus, Transunion, Equifax, and Experian to remove inaccurate information that they've been reporting regarding my personal information. According to 15 USC 1681e subsection b they have violated, as they did not follow reasonable procedures to ensure maximum possible accuracy which has impacted me negatively.

I am aware of my rights under USC 1681n willful noncompliance and the penalties imposed. I have already made it clear that the information furnished was not mine and it is only just recently that it's been removed, however it has impacted me for years with no resolution until now. Under USC 1681n I am aware that I am entitled to damages up to {$1000.00} per occurrence/violation and I wish to receive your help in retrieving that. If you wish to have my banking information to bring that to fruition, please state that when you reach out to me. Also please find attached the proof of the violations.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've been in touch with each of the 3 bureaus, Transunion, Equifax, and Experian to remove inaccurate information that they've been reporting regarding my personal information. According to 15 USC 1681e subsection b they have violated, as they did not follow reasonable procedures to ensure maximum possible accuracy which has impacted me negatively.

I am aware of my rights under USC 1681n willful noncompliance and the penalties imposed. I have already made it clear that the information furnished was not mine and it is only just recently that it's been removed, however it has impacted me for years with no resolution until now. Under USC 1681n I am aware that I am entitled to damages up to {$1000.00} per occurrence/violation and I wish to receive your help in retrieving that. If you wish to have my banking information to bring that to fruition, please state that when you reach out to me. Also please find attached the proof of the violations.

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 2025-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This is a private student loan that originated with XXXX XXXX in the amount of {$4500.00}. It was later serviced by Navient before being transferred to XXXXXXXX XXXX XXXX 

During Navients servicing period, I made regular payments in good faith, yet the loan balance remained largely unchanged due to the structure of the loan and the way payments were applied. According to my records, I have now paid a total of {$13000.00} toward this loan ( excluding non-payment transactions ), which is more than three times the original principal amount.

Despite these substantial payments, the balance remained inflated ( currently {$3900.00} ) because interest and/or fees consumed most of the payments. Navient never offered a fair settlement option, even though it was clear the original debt obligation had been met many times over. This repayment structure is unreasonable and punitive, leaving borrowers in a cycle of perpetual debt with no realistic path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-08 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Downloaded the virtual card in XX/XX/year>. I have been unable to use it in multiple stores or websites. I called American Express gift card department and they were not informative. They told me the virtual card is active and has {$250.00} and that is all they would confirm. I have tried using it in XXXX, XXXX, XXXX, grocery stores, restaurants and nothing. American Express could not give me any names of establishments that I could use the virtual card. It has been so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Debt collection re-reported/incorrect account for the collections This account has been removed from my report and is now re-reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Credit card account opened without my knowledge or consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information reporting on my credit report by [ Creditor/Collector Name ]. This account is appearing without sufficient legal verification or documentation as required under the FCRA, FDCPA, and UCC laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. XXXX ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX  Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} REPORTING ON XXXX  AND EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} REPORTING ON XXXX  AND EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$1000.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$8400.00} {$10000.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$11000.00} {$11000.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$1600.00} {$1500.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX REPORTING ON EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$14000.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I am file a complaint because my creditor is reporting bad credit in my accounts XXXXXXXX XXXX XXXX XXXX. I never received prospering verify written letter and the violet my right to dispute before reporting. I had Disputed directly with the credit bureaus and the furniture but this late payments on my credit report they remain without proper validation or documentation under USC 1681 S 2 furniture must report accurate information under15usc 1681 I the credit buraus must perform a reasonable investigation within 30 days, none of them had provide sufficient evident to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-08-08 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: TX

Complaint narrative:
On XX/XX/scrub>, 2025, I sent a certified letter to Experian requesting the method of to investigate with verification letters and validation of disputes. They did not comply.

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 2025-08-08 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: IL

Complaint narrative:
Subject : Failure to Provide Legally Compliant Validation Demand for Deletion Under FCRA, FDCPA, and Metro 2 To Whom It May Concern, This is a formal response to the companys claim that documentation was mailed on XX/XX/XXXX, despite my ongoing dispute and request for proper validation and compliance. While the company alleges that they mailed documents via U.S. Mail, the following points illustrate noncompliance with federal laws and reporting guidelines, thereby requiring the immediate deletion of this tradeline from all consumer reporting agencies : Legal Violations and Basis for Deletion 15 U.S. Code 1681i ( FCRA ) Reinvestigation of Disputed Information A consumer has the right to dispute inaccurate or unverifiable information. If the furnisher can not verify with documented evidence the accuracy and ownership of the debt within 30 days, the information must be deleted. A claim that mail was sent does not constitute validation or verification. No actual evidence or full documentation has been provided to me. 15 U.S. Code 1692g ( FDCPA ) Debt Validation Requirement When a consumer disputes a debt, the collector must provide : A copy of the original signed contract or agreement. A complete accounting and breakdown of the alleged debt. Proof that the agency has the legal right to collect. A simple notice allegedly mailed, without proof of content and delivery ( i.e., green card signature or USPS tracking ), is not sufficient under federal law. Metro 2 Compliance ( Credit Reporting Format Standard ) If an account is in dispute, it must be marked as such with Compliance Condition Code XXXX XXXX XXXX until the dispute is resolved. Failure to do so is a compliance violation, and inaccurate or unverifiable data must be deleted. XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Credit bureaus must perform more than a cursory investigation. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX FCRA requires accuracy, and failure to investigate thoroughly or to maintain accurate records warrants deletion. Demand for Immediate Action Given the companys failure to : Provide verifiable documentation of the debt, show proof of actual delivery or receipt of any mailed materials, provide a full investigation and documented evidence under 15 USC 1681i, Comply with Metro 2 and FDCPA debt validation protocols, I demand the immediate deletion of the account from all consumer reporting agencies as required by law. If the information is not removed, I will escalate this matter with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) And consider seeking redress in federal court for willful noncompliance under 15 U.S. Code 1681n and 1681o. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Chime Financial Inc
State: CA

Complaint narrative:
On the morning of XX/XX/year> at approximately XXXXXXXX XXXX, I got a notification on my cell phone from Chime Bank stating that someone debited my bank account of {$2.00} then {$490.00}, I immediately called Chime support and tried to stop payment because I did not know who these people were and never authorized this transaction, so Chime tells me that they couldnt do anything until the transaction was out of the pending stage. So when the transaction stopped pending I submitted a dispute and sent a copy of my XXXX statement and where whoever stole the money from account tried 2 to 3 other times to try get into my account, Im XXXX and XXXX and dont have money to give away, thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 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: CA

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 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