vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: TX

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 XXXX XXXX Format and XXXX 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Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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 XXXX XXXX and XXXX  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 Cir. XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Monday XX/XX/XXXX at XXXX XXXX  and XX/XX/XXXX at XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX XXXX As of XX/XX/year>, your past-due account remains unpaid. Please call us @ ( XXXX ) XXXX or visit XXXX to self-service. Reference File # XXXX. To opt out, reply STOP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: NV

Complaint narrative:
Report these accounts directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 2 fraudulent inquiries in my Transunion Credit Report and want to report them for deletion. XXXX XXXX XXXX.2024 and XXXX XXXXXXXX2024. these inquiries are not mine and need to be removed from my Credit Report. Credit Reporting agency told me to fi le an identity theft report for deletion of the inquiries. I am requesting Transunion to mark these inquiries as Fraudulent and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a text message on Sunday XX/XX/XXXX2025 from Wells Fargo in regards to a transaction for XXXX. Please see attached. 
I called the number on the text, spoke to a representative in the claims department, and she immediately issued me a credit of XXXX, because there was another transaction of XXXX that went through, that was not authorized. I checked my account balance and there was a positive XXXX in my account, so I transferred XXXX into my joint account, since I did not have a card for my everyday checking account ( it was cancelled and a new one issued ). 
I checked my account on Monday XX/XX/XXXX or XX/XX/XXXX and noticed that my account was negative XXXX. I called in and spoke to a representative, who told me that because the transaction of XXXX fell off ( not sure what day ), the provisional credit also fell off. 
I asked why nobody reached out to me, or why I just was not advised to wait until Monday to file the dispute, and nobody can give me an answer. Instead, I was transferred back and forth to the claims department, and to different customer care representatives. On today XX/XX/XXXX/2025, I was basically called a liar and told that there was never a provisional credit. I asked numerous times to speak to a real manager, the executive office or the escalation line and I was hung up on by one of your reps.

I am requesting a thorough review of all transactions, regardless of if they fell off, as well as that the phone call from Sunday- when I spoke to the rep who gave me the provisional credit - be pulled. I am beyond disappointed at all of the reps that I have spoken too. I now understand that weekend transactions dont matter and that Wells Fargo only operates Monday - Friday- but I have screenshots to show my positive balance. I also asked, how in fact I was able to transfer money on Sunday XX/XX/XXXX if in fact it caused my account to go negative - the reps continue to try to make me believe that all of this happened on a week day, when yet my call log and text messages show that this all took place during the weekend. Wells Fargo is one of the biggest banks, but yet you dont have the capacity to pull all transactions- regardless if they fell off?

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Digital Federal Credit Union ( DCU ) regarding a serious issue I encountered with their services. 

On XX/XX/year>2025, I experienced a vehicle emergency that required immediate access to my funds. Unfortunately, I was unable to use my debit card because I never received a PIN from DCU. This oversight put me in a XXXX  situation where I could not access the necessary funds. 

In an attempt to resolve this issue, I called DCUs customer service at XXXX XXXX  on the same day. Despite my efforts, the call was unsuccessful, and the supervisor I spoke with provided inadequate assistance. I believe the handling of my case was unsatisfactory and warrants further evaluation. 

Sincerely, 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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There is an inquiry on my credit report that I do not recognize. I did not authorize this company, nor did I provide consent for them to access my credit report or submit an application. This has caused me unnecessary XXXX  and XXXX, and I am concerned about how and why this occurred.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital, Account # XXXX. This account is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the furnisher and credit reporting agencies must ensure all reported information is accurate and complete.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ), I have requested the collector to cease communication and validate the alleged debt. To date, they have failed to provide proper validation, yet continue reporting and attempting to collect.

I request the CFPBs assistance to ensure this collection is deleted from my credit file unless full, verifiable documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
b'Re: Formal Dispute of Inaccurate Information  Affirm Inc Account\n\n\n\nTo Whom It May Concern,\n\n\n\nI am writing under my rights granted by the Fair Credit Reporting Act (FCRA) to formally dispute the reporting of the following account on my credit file:\n\nCreditors: XXXX XXXX XXXX  and  AFFIRM INC\n\nAccount Number (Last 4 Digits):XXXX XXXXStatus: Closed account (inaccurate/derogatory reporting)\n\n\n\n1. Request for Verification (FCRA 609)\n\n\nI am demanding that you provide complete documentation to verify these accounts, including but not limited to:\n\nThe original signed contracts or applications bearing my signature.\n\nFull account statements showing the alleged debt is valid and accurate.\n\nAny records demonstrating that this account is legally enforceable and belongs to me.\n\n\n\nIf you cannot produce this information within the time required by law, you must delete this account immediately.\n\n\n\n2. Failure of Accuracy Obligation (FCRA 623)\n\n\nAs the credit bureau, you are required to ensure the accuracy of all reported information. If AFFIRM and XXXX   cannot provide verifiable proof, continued reporting of this account constitutes a willful violation of FCRA.\n\n\n\n3. Method of Verification (FCRA 611(a)(7))\n\n\nIf you verify this account, I am exercising my right under 611(a)(7) to request the exact method of verification. Specifically:\n\nThe name of the individual or entity you contacted to verify this account.\n\nThe documentation relied upon to verify.\n\nThe manner and date in which the verification took place.\n\n\n\n4. Required Action\n\n\nIf you cannot validate this account with proper documentation, you must:\n\nDelete the XXXX  and Affirm accounts  from my credit file.\n\nProvide me with an updated credit report showing the deletion.\n\n\n\nFailure to comply will leave me no choice but to escalate this matter by filing formal complaints with the CFPB, FTC, and State Attorney General, and if necessary, pursue legal remedies for damages under the FCRA.\n\n\n\nI expect your investigation and full response within 30 days, as required by law.\n\n\n\nSincerelyXXXX XXXXSSN (last 4 digits): XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
1 ) Accepted Goodleap loan for {$4800.00} for home improvement project.

2 ) Loan documentation provided by goodleap states clearly no interest if paid in full in 3 ) Paid off entire loan balance of {$4800.00} dollars on XX/XX/year>2025. 5 months before the 12 month mark 4 ) New principle balance ( NOT a fee ) of {$480.00} added to my account in XX/XX/scrub> 2025 with 0 notification from goodleap. This " principle '' amount of {$480.00} was never issued to my checking account. 

5 ) Found out about the {$480.00} balance as I was checking my account one last time before intending to delete the app. 

6 ) Called multiple times since late XX/XX/year>2025. Ticket was not officially established by Goodleap customer service until XX/XX/year>2025 7 ) Another month has passed since entering the ticket and Goodleap has not called me back with updates once. When I call them they state they still do not have any update on what caused this additional balance and can not provide a timeline on when I will know 8 ) At the same time, Goodleap 's collections team is calling me already to insist that I will incur interest starting XX/XX/XXXX if I do not pay this new balance that I do not owe. ( The initial loan balance is paid in full as stated earlier.

9 ) Goodleap has " escalated '' my ticket multiple times, but hasn't called me with updates once since XXXX. Were it not for my own initiative, it seems they are simply ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In 2017, the original creditor Comenity Bank issued a 1099-C, cancelling and discharging the alleged debt they claimed I owed. Despite this, XXXX XXXX XXXX a third-party debt collector fraudulently pursued collection of that same debt. They waited multiple years and then filed a court claim without properly serving me. The individual described in their affidavit of service was not me, which I have proof of. 

As a result, a default judgment was wrongfully entered without my knowledge. XXXX then unlawfully garnished my wages and bank account ( XXXX XXXX ), even though the debt was already legally cancelled with the IRS. This constitutes : Double collection ( after a 1099-C ) Fraud upon the court Violation of due process Unlawful credit reporting I filed a Motion to Quash Service and Vacate the Default Judgment, which was denied not because I was properly served, but due to procedural technicalities. XXXX collected the full amount and continues to allow this fraudulent judgment to affect my credit. 

I am seeking full correction of this matter and a return of funds collected under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I made a transacation in the Amount of {$1500.00}. I had disputed the transaction due to the fact that the service was not provided to me and I paid for something I did not receive. I was given letters from Discover XXXX in regards to the dispute and they stated to me that they would not entertain the dispute process at this time because they viewed it as a civil matter in regards to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 XXXX business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 XXXX 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