vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
AGAIN, I disagree with your investigation response. The UNAUTHORIZED items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. You have yet to provide me with proof of these inaccuracies are highly injurious to my credit rating. I have yet to receive any verification that has been requested. Again, please validate via 15 U.S. Code 1681 Section 609 ( a ) ( 1 ) ( A ) through the physical verification of the original signed consumer contract proving I consented to the furnishing or remove from my credit report.

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 2025-10-02 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: AL

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX  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Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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 Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$1300.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$970.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$590.00} Date opened XXXX XXXX, XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX 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 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 2025-10-02 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
I noticed that this was added to my credit but I never applied for this line of credit nor do I know the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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 reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account XXXX be reported. 
I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-10-02 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: MD

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$19000.00}

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 2025-10-02 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I made a payment of {$1000.00} on XX/XX/year> through electronic bill pay from my Credit Union to MOHELA Student Loan Servicer. I noticed in late XXXX that the payment was not posted and they initially claimed that they did not receive the funds, but I obtained documentation from my credit union showing that the funds were received by them. I forwarded this information to them thinking they would correct the error timely. Since that time I have called at least a dozen times and sent numerous emails- they will not tell me any information over the phone and have not answered my emails. They initially said it would take XXXX business days to resolve, but since then the story changes every time I call and most recently they tell me it could take up to XXXX business days to resolve. Not once have they been able to tell me what they are actually doing about this issue. They say its up to their accounting department, but no details are provided about what is happening or what they are doing and I of course can not talk to anyone in that department. When I ask for a supervisor they say that one will have to call me back but they never actually do. I filed a fraud complaint with my credit union on XX/XX/year>, who tells me that they will not respond or cooperate with their inquiries. I also filed a complaint with XXXX in XXXX but they have not responded to my complaint either. Based on their lack of action and information, I believe that this is intentional fraud on behalf of MOHELA to keep my payment without crediting to my account.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
WHAT IS GOING ON I CANT UNDERSTAND WHAT IS THE REASON?! WHO IS XXXX THIS?? I LITTERALY CANT UNDERSTAND IT WHY WOULD THIS EVEN HAPPEN, IF YOU CAN FIND THESE PEOPLE I WOULD REALLY APPRICIATE IT I AM LOOKING FOR A GOOD OUTCOME FROM THIS BECAUSE I HAVE CONTACTED TOO MANY COMPANIES AND TALKED TO A LOT OF SUPERVISORS INCLUDING THE ONES FROM THE CREDITORS. ON MY NAME THERE ARE COUPLE OF INQUIRES WHICH ARE NOT MINE AND THEY ARE COMING BCAUSE OF THAT PEOPLE WHO I AM TRYING TO FIND AND MAKE THEM PAY LEGALLY FOR THIS, PLEASE HELP ME HOWEVER XXXX CAN TILL I FIGURE IT OUT MYSELF AS WELL.

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 2025-10-02 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: CA

Complaint narrative:
WHAT IS GOING ON I CANT UNDERSTAND WHAT IS THE REASON?! WHO IS XXXX THIS?? I LITTERALY CANT UNDERSTAND IT WHY WOULD THIS EVEN HAPPEN, IF YOU CAN FIND THESE PEOPLE I WOULD REALLY APPRICIATE IT I AM LOOKING FOR A GOOD OUTCOME FROM THIS BECAUSE I HAVE CONTACTED TOO MANY COMPANIES AND TALKED TO A LOT OF SUPERVISORS INCLUDING THE ONES FROM THE CREDITORS. ON MY NAME THERE ARE COUPLE OF INQUIRES WHICH ARE NOT MINE AND THEY ARE COMING BCAUSE OF THAT PEOPLE WHO I AM TRYING TO FIND AND MAKE THEM PAY LEGALLY FOR THIS, PLEASE HELP ME HOWEVER XXXX CAN TILL I FIGURE IT OUT MYSELF AS WELL.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against Experian for failing to remove a negative account that is past the XXXX reporting period allowed by the Fair Credit Reporting Act ( FCRA ). 

The account in question is a XXXX XXXXXXXX XXXX  credit card. My last payment was made XX/XX/XXXX, and the account was closed in XX/XX/XXXX. This means the Date of First Delinquency was XX/XX/XXXX. 

Under the FCRA, negative accounts may only be reported for 7 years from the Date of First Delinquency. Therefore, this account should have been deleted in XX/XX/XXXX. 

Both XXXX and XXXX  have already removed this account, confirming it is past the XXXX limit. However, Experian continues to report it as scheduled to remain until XX/XX/XXXX. 

This appears to be improper re-aging or a failure to follow FCRA guidelines. I am requesting that Experian immediately delete this account from my credit file.

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 2025-10-02 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-02 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-02 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: IL

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 : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$840.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$14000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, 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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity XXXX Credit Card, Login URL : XXXX XXXX XXXXXXXX User Name : XXXX My card is lost, I need to request a new card. 

I can not contact anyone in customer care. I dialed the general number XXXX and only receive instructions to log in through the website to get assistance. 

When I logged in through the website, I was given the instructions to " Call the Number on the Back of the Card '' to receive customer card... but my card is lost, how can I do this? 

I send a message in my customer portal to receive updated instructions to request a replacement card. 

I return to my account to log in today and I am locked out of my account with no way to recover my account ( see image attached ). I did not change my password or make any other updates to my account. I can not reach anyone on the phone to have this resolved. 

I'm stuck in an endless User loop. there is no logic here I can also see that Comenity pulled a soft credit pull on me after I made this inquiry and before I was locked out of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I Demand Immediate Deletion of the Following Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In violation of 15 U.S. Code 1692g ( b ), which states that when an account is disputed, collections must cease until proper validation is provided. This collector continues to contact me despite the dispute being active. Remove this immediately.

Your Continued Negligence in Handling Identity Theft Reports Violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data.

15 U.S.C. 1681n Willful non-compliance with the FCRA.

15 U.S.C. 1681o Negligence in reinvestigating disputed information.

15 U.S.C. 1681s-2 Furnishers reporting inaccurate/unverifiable data.

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 2025-10-02 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: IN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief