vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: AK

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is inaccurately reporting a second mortgage tradeline. The original balance is listed as {$85000.00}, but my original promissory note from XXXX shows the true balance was {$60000.00}. The $ XXXX figure reflects a XXXX loan modification and should not be reported as the original loan amount. 

The current balance is reported as {$88000.00} with a past-due amount of {$1900.00}. This does not reflect payments made after XXXX, including escrowed funds. The payment history is incomplete missing entries for multiple months in XXXX and all data after XX/XX/XXXX, even though a payment was reported on XX/XX/XXXX. 

I submitted written disputes and attached supporting documentation to both XXXX and the credit bureaus. I also filed a formal complaint with the CFPB against XXXX ( Complaint ID : [ insert your XXXX  complaint number here ] ). 

This is a separate complaint regarding TransUnions failure to independently investigate the disputed tradeline. XXXX is the furnisher, but TransUnion has its own legal duty under FCRA XXXX to verify the accuracy of the information not merely rely on XXXX response. 

Please see the attached dispute letter with documentation, submitted as part of this complaint, and treat it as incorporated by reference.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Not sure of exact dates but I realized the accounts were not anything from the past that I got in my name I was unaware of just how bad my report was once I started trying to repair and found out that I am a victim of identity theft and have been dealing with serious issues as a result. Accounts that do not belong to me have been fraudulently opened and reported under my name. 
These accounts are not mine, and I did not authorize or consent to them in any way. My goal is to restore my financial identity and protect myself from further harm. I ask that all creditors, debt collectors, and reporting agencies recognize this statement, cease collection efforts on accounts that are not mine, and assist me in correcting these fraudulent records. XXXXXXXX XXXX XXXX XXXX XXXX  is when I found out where this stuff really came from couldnt get direct answers from the debt collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include accurate, complete, and verifiable information. I am requesting that these late payment entries be thoroughly verified, and if they can not be confirmed, I ask that they be corrected or removed.

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 2025-09-23 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: FL

Complaint narrative:
After review of my credit report, I see you are reporting incorrect information. XXXX XXXX  account ending in XXXX is reporting being 60 days late in XX/XX/year>. This is no accurate! I was never late on this account and it doesnt make since for XXXX to be the only month showing 60 days late if XXXX shows paid on time! I want the account removed and updated! This is the third time Ive had to dispute incorrect information on my credit report and still fighting to get XXXX and XXXX XXXX off due to them not being my accounts, and Equifax failure to conduct a proper investigation. I have a law suit draft and ready to file if I dont get remedy!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am disputing a Discover credit card account ending in XXXX with a balance of approximately {$6000.00}. This account was used fraudulently by my abusive ex-partner during a period of documented domestic XXXX and financial abuse. 

I submitted a police report documenting the financial abuse to Discover, but they refuse to acknowledge the fraud. Instead, they continue to report the account as valid and accurate to the credit bureaus. On XX/XX/year>, Discover sent me a letter dismissing my dispute, despite being provided with clear fraud evidence. 


I also have recorded phone calls with Discover representatives and with XXXX XXXX XXXX, XXXX, the law firm currently suing me for this debt. In these calls, I clearly informed them of the fraud, provided details about the abuse, and referenced the police report. Despite this, Discover continues reporting the account, and XXXX XXXX XXXX continue collection activity, including litigation. 

These actions violate multiple consumer protection laws : FCRA ( 15 U.S.C. 1681s-2 ( b ) ) : Discover, as a furnisher, failed to conduct a reasonable investigation after being notified of the dispute and provided with a police report.

FDCPA ( 15 U.S.C. 1692e and 1692f ) : XXXX XXXX XXXX continues to attempt collection on a debt after being notified that it is fraudulent and subject to a police report. 


This has caused me severe emotional distress, anxiety attacks, and ongoing harm to my credit profile, despite following proper dispute procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: DE

Complaint narrative:
National Credit System is trying to collect a debt of XXXX for XXXX XXXX XXXX apartments. This debt was paid by XXXX rental assistance in the year XXXX. This matter was supposed to go to court but because XXXX paid this outstanding balance to XXXX XXXX XXXX this was settled and the court case was dropped. This debt was then added to my credit by National Credit System on XX/XX/XXXX after this was paid and settled. I don't have access to the website anymore with all the info about the settlement. I attached a few screenshots I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX XXXX decreased XXXX points after I reported unauthorized activity on my XXXX XXXX credit card. The credit bureau deleted my credit history, then reinserted it, but failed to restore the points. This incomplete correction is inaccurate and unfair. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and New York General Business Law 380 and 349, I request a full reinvestigation and restoration of my score to its prior 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 non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX XXXX decreased XXXX points after I reported unauthorized activity on my XXXX XXXX credit card. The credit bureau deleted my credit history, then reinserted it, but failed to restore the points. This incomplete correction is inaccurate and unfair. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and New York General Business Law 380 and 349, I request a full reinvestigation and restoration of my score to its prior 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 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is a formal dispute regarding fraudulent accounts appearing under my name. I have no connection to these accounts, and their reporting is inaccurate and harmful. Their inclusion misrepresents my credit history and undermines my financial credibility.

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 2025-09-22 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 am submitting this complaint against the XXXX major credit bureausXXXX Equifax, and XXXX 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 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 XXXX XXXX Open Date XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau XXXX XXXX supervisory or enforcement action and require Experian, Equifax, and TransUnion 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had switched over my phone and put the credit card on my new phone. IT had put a restriction on the account so i had to verify it was me. Once I verified everything was good to go, when i tried to use the card after swapping it locked my account. So I verified again. Then it didnt go thru. So I then called customer service and I think it was routed to XXXX and they were not able to help me. They told me they could NOT verify who I was when they verified, my phone number, my ssn, my security code, and phone numbers. This was ALL verified, they told me my account was on hold until I get a letter in the mail in XXXX days and to reach out to them again. I told them to XXXX the account and they said they couldnt do that and could not help me. I want my account closed

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 2025-09-22 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inconsistent and Inaccurate Credit Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and inconsistent reporting of my credit information by [ Creditor/Servicer Name ] and the credit reporting agencies ( XXXX  Equifax, and XXXX  ) XXXX These inaccuracies are negatively impacting my credit profile and are in direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Issue Summary : My credit reports contain inconsistent data reporting, including discrepancies in account balances, dates of last payment, and status across different credit bureaus.

There are late payment notations being reported that are inaccurate and unverifiable. In several cases, the same account shows different payment histories across the three bureaus.

These errors violate FCRA 1681i ( Section 611 ), which requires credit reporting agencies to conduct a reasonable investigation of disputed information, and FCRA 1681s-2, which requires furnishers of information to report data accurately and update/correct information when it is found to be incomplete or incorrect.

FCRA Rights Being Violated : 1. FCRA 602 ( A ) The need to ensure fair and accurate credit reporting.

2. FCRA 607 ( B ) Mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy.

3. FCRA 611 Grants me the right to dispute inaccurate information and obligates CRAs to reinvestigate.

4. FCRA 623 Requires furnishers of information to report accurately and correct or delete information they know ( or should know ) is inaccurate.

Action Requested : I request that the CFPB require [ Creditor/Servicer Name ] and the credit reporting agencies to conduct a full investigation into these inconsistencies.

I request removal of any inaccurate late payment notations and correction of all inconsistent data across all credit bureaus.

I request confirmation in writing that these corrections have been made.

I have attached supporting documentation, including copies of my credit reports highlighting the discrepancies, correspondence with the credit bureaus, and account statements proving timely payment history. 

Thank you for your attention to this matter. I expect a thorough investigation and prompt resolution as required under the FCRA. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

XXXX U.S. Code XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

XXXX U.S. Code XXXX  XXXX a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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