vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate and harmful late payment notations being reported on my credit file by XXXX  XXXX, XXXX ( XXXX ), and XXXX XXXX. These accounts contain factual inconsistencies, reporting errors, and violations of federal reporting standards under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 

XXXX  XXXX Account # : XXXX Late payments ( 30, 60, 90 days ) are being reported for XXXX XXXX, while the account also reflects a payment made on XX/XX/year>. TransUnion continues to reflect a past-due balance, whereas Experian lists the account as current. This inconsistency violates FCRA 607 ( b ) ( maximum accuracy ) and is a Metro 2 reporting error. 

XXXX ( XXXX ) Account # : XXXX TransUnion and Experian report 120-day lates while Equifax only reports up to 90 days late. The account is also listed as " Closed due to inactivity '' yet continues to report active delinquencies, which is a Metro 2 violation. 

XXXX XXXX Account # : XXXX This account reflects 120-day late payments on TransUnion and Experian, while Equifax reports only 90 days. Furthermore, TransUnion and Experian report a balance of {$6800.00}, while Equifax shows {$6700.00}. These discrepancies violate FCRA 607 ( b ) and are indicative of incorrect data furnishing.

I have previously disputed these accounts with the credit bureaus, but no corrections have been made. Additionally, these accounts are not marked as in dispute in violation of FCRA 623 ( a ) ( 3 ). The reporting of late payments on closed accounts and conflicting balances across bureaus is damaging my creditworthiness and financial stability.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" 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! 

"

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

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. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) XXXX XXXX XXXX Balance : {$12000.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Balance : {$2400.00} Open Date 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 Experian, XXXX, 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 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is to formally dispute an account currently listed on my credit report. I did not open this account, nor did I authorize anyone to open it on my behalf. I believe it is fraudulent and do not recognize any transactions related to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX allowed XXXX XXXX XXXX  to access my credit file without my written or verbal consent! I just sent in a dispute thru cfpb demanding EQUIFAX to stop using my credit file improperly and to stop allowing XXXX XXXX XXXX  TO REPORT FRAUDULENT ACCOUNTS THAT I NEVEE OPENED TO MY FILE! On XX/XX/year> EQUIFAX ALLOWED XXXX  XXXX TO ACCESS MY FILE AND ADD XXXX XXXX XXXX CREDIT CARDS TO MY FILE THAT I HAVE NO KNOWLEDGE OF AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR! MY PRIVACY RIGHTS HAVE BEEN VIOLATED BY EQUIFAX!! EQUIFAX MUST REMOVE AND BLOCK ALL ACCOUNTS FROM XXXX XXXX XXXX FROM CREDIT FILE BEARING XXXX XXXX XXXX AND MY SSN ENDING IN XXXX! Block these accounts asap! EQUIFAX HAS VIOLATED MY PRIVACY RIGHT AND THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Today XX/XX/year> I had etherium ( crypto currency ) sent to my XXXX  account from my sister 's wallet and I sold the etherium for cash on XXXX  and they placed my money on hold for 6 days saying that every purchase of crypto needs to be verified before they take the hold off of my funds! But I did NOT purchase it on XXXX  I sold etherium that was sent to me!! So that reason is not true!! Also i have never had an issue when I've sold crypto currency on XXXX  before it has ALWAYS been almost instantly available in my XXXX  account balance to take out as I needed! Now this is not ok to out of the blue just lie to me and say its on hold because every purchase has to be verified with my bank when I didnt purchase it on XXXX  I have read through the " policies '' they so conveniently throw at you when it's to their advantage and there's not one thing about holding my funds if I sell crypto ESPECIALLY when I didnt purchase it at all it was already confirmed crypto from someone else!!!! I want my money today i need it to purchase my new uniform for my new job i start today thats why my sister sent me the etherium to sell in the first place and I told them at XXXX  the reason why and they still gave me the run around and now I am going to lose my new job i desperately need to support my XXXX kids!! XXXX  is wrong for doing this and I am now going to end up with no way to get my new clothes and non slip shoes I needed to start my job!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX  XX/XX/XXXX my direct deposit from XXXX was returned due to name not matching my XXXX. 
Even though on on XXXX XX/XX/year> I confirmed my identity and new name via chime support. After my deposit was returned I had to wait until XXXX XX/XX/year> before my deposit was recent, which means on XXXX XX/XX/year> my deposit was suppose to be posted after going back and forth with my employer and chime it was traced to chime receiving the deposit chime stated they never received my direct deposit. On XXXX XX/XX/year> I was told my deposit was under investigation but my account is fine with no problem with no explanation on why. Today is XXXX XX/XX/year> its been over a month since Ive received any pay I have a ton of bills a XXXX XXXX XXXX daughter to feed and a XXXX XXXX XXXX sister to feed with now {$0.00} and Im being told to be patient and theres no eta on when I will receive my pay check. I have rent due today. I have now accumulated multiple late fees on all my bills for this month and there nun I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: MI

Complaint narrative:
This is my second complaint with this company. I attempted to make a payment on line but their website keeps stating unable to complete the payment process. I have tried to call the company to make a payment but they NO LONGER have the ability to speak to anyone to assist in making a payment. Their system wants you to make a payment with the automation but it doesn't allow you to select the amount you wish to pay. It's VERY frustrating with this company and the amount of legal trouble this company has been involved with makes me even more troubled to try and make a payment with their constant malfunctioning software. 

This has been an ongoing issue with this company over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
AMEX is reporting lates for XX/XX/XXXX and XX/XX/XXXX. I have had a very rough year as someone very close to me has passed recently that caused me to lose sight of everything and not make some payments on time. I had never been late before and this caused my credit score to go down. Recently after being able to get some help for the mental state I was in, I have been going through financial struggles and that has caused me to be late. Please do a one time courtesy and help me remove these lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I contacted my former apartment complex to request clarification about a {$330.00} charge they submitted to a debt collections agency. I did not receive a response until XX/XX/XXXX, despite multiple follow-up emails and phone calls. 

In their XX/XX/XXXX response, they acknowledged the error and stated that they had notified the debt collections agency to delete the account. However, I am still receiving messages from the collections agency regarding this invalid debt. 

I have reached out again to the apartment complex requesting written confirmation that the account was deleted from the collectors system, but they have not responded. 

This error is continuing to cause unnecessary stress and potential damage to my credit. I am requesting CFPB assistance to ensure this account is fully removed and that all collections efforts immediately stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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