vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CORELOGIC INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CORELOGIC!!!! i am a victim of identy theft caused by multiple data breaches, I identify the accounts listed on ftc report as fraudulent and not opened or authorized by me under federal law i am requesting the immediate in any event timeframe required by law block remove and stop reporting these items : ( additional fraudulent accounts ) XXXX XXXX ( XXXX ), comenity XXXX XXXX XXXXXXXX ( XXXX ) : per 15 U.S.C. 1681c-2 605B, 1681c-1, 1681s-s623, 1692et seq. 18 U.S.C. 1028 : These were caused by unauthorized access to my personal information due to the recent XXXX XXXX breach, and the resulting entries are inaccurate, unauthorized, and severely harmful to my credit. - Legal Basis for Removal Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) Requires Consumer Reporting Agencies to block identity theft information within 4 business days after receiving an identity theft report and supporting documentation. FCRA 623 ( 15 U.S.C. 1681s-2 ) - Furnishers must investigate and stop reporting fraudulent accounts once notified of identity theft. FCRA 605 ( a ) ( 15 U.S.C. 1681c ) - Prohibits reporting inaccurate or obsolete accounts. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
- Prohibits collection activities on debts that are fraudulent or disputed. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Makes unauthorized use of personal identifying information a federal crime.

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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing a debt of {$1100.00} that I do not owe. The debt collector, PORTFOLIO RECOVERY ASSOCIATES, has been contacting me regarding this debt, but it is not mine. I requested written validation on XXXXXXXX XXXX but they did not provide proof that I am responsible for the debt. Since then, I have received repeated phone calls and text messages, some with abusive language, and threats of reporting to credit bureaus or legal action. I request that this debt be deleted from my records and that the company stop all collection attempts. 
Key Dates : XXXXXXXX XXXX  : Validation requested from debt collector XXXX XX/XX/year> : Repeated contact with threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-10-01 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
These accounts were opened fraudently then abused and closed and now makes it impossible for me to obtain a checking account

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, authorized, or managed them. This is unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these fraudulent accounts is deeply concerning.

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 2025-10-01 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:
Im honestly frustrated that the inaccurate late payments remain on my credit report. Despite refreshing the browser, theyre still there, and I cant understand why this hasnt been corrected yet. Im asking for an urgent and thorough review of my documents so this problem can finally be put to rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-10-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: LEXISNEXIS
State: NC

Complaint narrative:
XXXX XXXX XXXX, LEXIS NEXUS RISK SOLUTIONS, XXXX XXXX, XXXX, XXXX!!!! i am a victim of identy theft caused by multiple data breaches, I identify the accounts listed on ftc report as fraudulent and not opened or authorized by me under federal law i am requesting the immediate in any event timeframe required by law block remove and stop reporting these items : ( additional fraudulent accounts ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX ( XXXX ) : per 15 U.S.C. 1681c-2 605B, 1681c-1, 1681s-s623, 1692et seq. 18 U.S.C. 1028 : These were caused by unauthorized access to my personal information due to the recent XXXX XXXX breach, and the resulting entries are inaccurate, unauthorized, and severely harmful to my credit. - Legal Basis for Removal Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) Requires Consumer Reporting Agencies to block identity theft information within 4 business days after receiving an identity theft report and supporting documentation. FCRA 623 ( 15 U.S.C. 1681s-2 ) - Furnishers must investigate and stop reporting fraudulent accounts once notified of identity theft. FCRA 605 ( a ) ( 15 U.S.C. 1681c ) - Prohibits reporting inaccurate or obsolete accounts. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Prohibits collection activities on debts that are fraudulent or disputed. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Makes unauthorized use of personal identifying information a federal crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CBC Companies, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INNOVIS, XXXX, XXXX!!!! i am a victim of identy theft caused by multiple data breaches, I identify the accounts listed on ftc report as fraudulent and not opened or authorized by me under federal law i am requesting the immediate in any event timeframe required by law block remove and stop reporting these items : ( additional fraudulent accounts ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX ( XXXX ) : per 15 U.S.C. 1681c-2 605B, 1681c-1, 1681s-s623, 1692et seq. 18 U.S.C. 1028 : These were caused by unauthorized access to my personal information due to the recent XXXX XXXX breach, and the resulting entries are inaccurate, unauthorized, and severely harmful to my credit. - Legal Basis for Removal Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) Requires Consumer Reporting Agencies to block identity theft information within 4 business days after receiving an identity theft report and supporting documentation. FCRA 623 ( 15 U.S.C. 1681s-2 ) - Furnishers must investigate and stop reporting fraudulent accounts once notified of identity theft. FCRA 605 ( a ) ( 15 U.S.C. 1681c ) - Prohibits reporting inaccurate or obsolete accounts. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
- Prohibits collection activities on debts that are fraudulent or disputed. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Makes unauthorized use of personal identifying information a federal crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: LEXISNEXIS
State: TN

Complaint narrative:
Victim of the first XXXX  data breach. Personal information stolen and used to acquire items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-10-01 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: GA

Complaint narrative:
For the past XXXX months, I have been disputing an outdated bankruptcy that is still being reported on my credit file. This bankruptcy is more than XXXX years old and should have been removed under the Fair Credit Reporting Act ( FCRA ). Additionally, I never authorized the credit bureau to report this item, nor did the XXXXXXXX XXXX XXXX XXXX XXXX, Georgia, instruct them to do so. 

I first disputed this matter with the credit bureau on XX/XX/year>, and again on XX/XX/year>. Despite my written disputes, the bankruptcy remains on my credit report. The credit bureau has failed to correct or delete this inaccurate and time-barred information, in violation of my rights under the FCRA. 

I am requesting that the outdated bankruptcy be deleted from my credit file immediately, as it is past the allowable reporting period and is continuing to cause harm to my creditworthiness.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AR

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: AR

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-10-01 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: NV

Complaint narrative:
XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation