vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-10-21 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-21 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: GA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Absolutely Shocked and Appalled!!! Capital One is the worst customer service company Ive seen! The executives apparently think they are above all the customers and never need to speak with them! Capital One restricted my credit card and refusing to remove the restriction over something they did! There is so much more details that I will share with on Capital One executive if they feel they can lower their standards to actually communicate with a customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Summary of Complaint : I am filing this complaint against Credence Resource Management LLC for continuing to report an unverified XXXX XXXX XXXX XXXX account to XXXX despite my formal disputes under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

On XX/XX/year>, I sent a certified debt validation request and FCRA dispute to Credence at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. Credence failed to provide any original signed contract, proof of ownership, or itemized billing statements validating the alleged debt. Despite this, they continue to furnish data to XXXX, which is inaccurate and unverifiable. 

This constitutes : A violation of FDCPA 809 ( b ) for failing to validate the debt before further collection/reporting. 

A violation of FCRA 623 ( a ) ( 1 ) ( A ) for knowingly furnishing inaccurate or unverified information.

A violation of FCRA 611 ( a ) for failing to reasonably investigate the dispute.

I request the CFPB to investigate and compel Credence Resource Management LLC to remove all inaccurate data from my XXXX  file and cease further reporting or collection activity until proper validation is produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
XX/XX/XXXX my mortgage was paid off Mr Cooper was the mortgage company XXXX while applying for home equity it was discovered on my credit report as not being recorded as paid off XXXX and XXXX I went to XXXX XXXX register of deeds. On XX/XX/XXXX a supervisor did a second search. Mr cooper did not submit the discharge of lien to the county which was due to them 60 days after mortgage is paid off XXXX I have made numerous phone calls, sent emails, sent communications with no response. 
XX/XX/XXXX I was able to reach a lady who said on XX/XX/XXXX an email was sent to me that said I would hear the resolution by XX/XX/XXXX. She said it did not mean the loan would be recorded On XXXX and XXXX a representative I contacted did send me a copy of the discharge of lien and verified it had not been recorded but could only escalate it up. During these phone calls I was promised 3 times a call back and twice I was told to watch for an email. No one ever said a letter and this letter does not resolve my problem. 
As a result I spent countless hours and paid parking to try and find out what to do - no one had an answer. I also signed on a home equity loan - because it's recorded as a second lien my rate it higher- but I had needed repairs to do. The credit union will redo the loan for me if I can get this resolved quickly, but as of now my repayment is higher than Today XX/XX/XXXX I was told mar cooper only had a responsibility to look into this. I countered it was supposed to be done within 60 days of the pay off - was blown off. 

I took to social media and was given this site for help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: IA

Complaint narrative:
On XXXX I paid {$2000.00} as a move out cost to leave XXXX XXXX XXXX XXXX XXXX XXXX The amount paid is what they asked me to pay and a few months later I received something saying that a debt was being sent to collections. I have the message I received from the apartments to which they said I owed {$2000.00} and the receipt of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I am filing this follow-up complaint because Experian has verified one XXXX tradeline whiXXXX deleting another duplicate XXXX tradeline with the same account number ( XXXX ). 

This action is inconsistent and violates the Fair Credit Reporting Act ( FCRA ), specifically : 604 ( a ) Experian no longer has a lawful permissible purpose to continue publishing or verifying this tradeline because all third-party consumer-reporting sources ( XXXX, XXXX, XXXX, and XXXX XXXX are frozen. 
611 ( a ) ( 7 ) I have the right to receive the method of verification used to verify the remaining XXXX tradeline. Experian has not provided this information, nor has it disclosed the furnisher or vendor that allegedly verified the data. 

The verification resulted in a score decrease and the continuation of potentially negative data that can not be substantiated. The duplicate deletion confirms that Experians data is unreliable and unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
I am filing this follow-up complaint because Experian has verified one XXXX tradeline whiXXXX deleting another duplicate XXXX tradeline with the same account number ( XXXX ). 

This action is inconsistent and violates the Fair Credit Reporting Act ( FCRA ), specifically : 604 ( a ) Experian no longer has a lawful permissible purpose to continue publishing or verifying this tradeline because all third-party consumer-reporting sources ( XXXX, XXXX, XXXX, and XXXX XXXX are frozen. 
611 ( a ) ( 7 ) I have the right to receive the method of verification used to verify the remaining XXXX tradeline. Experian has not provided this information, nor has it disclosed the furnisher or vendor that allegedly verified the data. 

The verification resulted in a score decrease and the continuation of potentially negative data that can not be substantiated. The duplicate deletion confirms that Experians data is unreliable and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am submitting this complaint against the XXXX XXXX  credit bureausExperian, XXXX, and XXXX 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 ( XXXXXXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX  XXXX Account XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to XXXX 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 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 2025-10-21 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:
I am disputing the following inaccurate and duplicate entries appearing on my Equifax credit report dated XX/XX/year>. 
Under FCRA 611 ( 15 U.S.C. 1681i ), you must reinvestigate and delete or correct all unverifiable information. 
XXXX. XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Incorrectly reports a 60-day late for XX/XX/year>. 
Please provide verification documentation or remove this derogatory notation if unsubstantiated. 
Any verification without documentary proof will violate 1681i ( a ) ( 1 ) ( A ). 
XXXX. Department of Education XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Four separate accounts appear for the same student loan, each showing 120 days late and marked consumer disputes after resolution. 
This constitutes duplicate reporting, violating 1681e ( b ) and 1681s-2 ( b ). 
Please delete redundant or unverifiable entries. 
XXXX. Personal Identifiers Remove outdated or incorrect identifiers and keep only : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
I expect full reinvestigation and written results within 30 days, including a detailed description of the verification procedure per 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to get this taken care of with the credit bureau ( equifax ) and they don't seem to understand the severity of the violation they have made reporting incorrect, unverifiable and incomplete information in my credit report .this is a huge issue that i have been having and I need them to just take this off already as the other 2 bureaus have done so per the fcra and the fdcpa

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: IN

Complaint narrative:
I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( XXXX  ). Despite providing the necessary documentation to prove the inaccuracies, TransUnion has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( XXXX XXXX. XXXX XXXX ( b ) ) and conducting a proper reinvestigation to remove the errors within the required XXXX period ( XXXX XXXX. XXXX ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Credit bureaus XXXX XXXX and credit bureaus not properly investigating in a timely manner. Unauthorized charges on credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX XXXX XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I sent {$1000.00} to my boyfriends old cashApp account that he no longer has access to. We have called cash app XXXX  times, filed a complaint with them and they have been of no help. They will not send me the money back to my account and they state they can not transfer the funds from his old account to his current account so they are basically withholding {$1000.00}. He verified all his information with them as I have and they are of no help at all. 

In the app it asks for his pin which he knows. The phone number its associated with he no longer has. The debit card he started the account with he no longer has nor does he remember who the XXXX debit card was with. He has moved several times, lost some of his belongings, was in a coma for XXXX  days at XXXX point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: OK

Complaint narrative:
After contacting TransUnion, Experian, Equifax and disputing XXXX collections on my credit report that are incorrect. I received a response stating the information was verified. They did not provide any information on how these collections were verified or the investigation. I am now going to send a letter requesting this verification of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX and XXXX. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that XXXX a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
PLEASE BLOCK AND REMOVE. 
Having this account listed has negatively impacted my XXXX XXXX and XXXX stability. Enclosed are documents validating my request for deletion.

Company response to consumer: Closed with non-monetary relief