vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: PA

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 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 2025-08-21 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: FL

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 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 2025-08-21 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:
I am formally contesting the reporting of accounts that do not belong to me. Please investigate thoroughly and remove them. Evidence has been enclosed.

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 2025-08-21 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: KY

Complaint narrative:
I sent experian a certified dispute letter for XXXX XXXX XXXX a certified dispute letter demanding validation of this alleged debt, including the original creditor agreement, a full balance breakdown, and proof of assignment. They failed to provide any legally sufficient validation. Instead, they continue to report this unverifiable account to Experian, Equifax, and TransUnion. 

This is a direct violation of FDCPA 809 ( b ) ( failure to cease collection until validation is provided ) and FCRA 623 ( furnishing inaccurate and unverifiable information ). XXXX XXXX has no evidence that I owe this debt yet continues to damage my credit. 

I am requesting immediate deletion of this account from all credit bureau files, and full accountability for ongoing violations. demanding validation of this alleged debt, including the original creditor agreement, a full balance breakdown, and proof of assignment. They failed to provide any legally sufficient validation. Instead, they continue to report this unverifiable account to Experian, Equifax, and TransUnion. 

This is a direct violation of FDCPA 809 ( b ) ( failure to cease collection until validation is provided ) and FCRA 623 ( furnishing inaccurate and unverifiable information ). XXXX XXXX has no evidence that I owe this debt yet continues to damage my credit. 

I am requesting immediate deletion of this account from all credit bureau files, and full accountability for ongoing violations.

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 2025-08-21 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: KY

Complaint narrative:
I sent experian a certified dispute letter for XXXX XXXX XXXX a certified dispute letter demanding validation of this alleged debt, including the original creditor agreement, a full balance breakdown, and proof of assignment. They failed to provide any legally sufficient validation. Instead, they continue to report this unverifiable account to Experian, Equifax, and TransUnion. 

This is a direct violation of FDCPA 809 ( b ) ( failure to cease collection until validation is provided ) and FCRA 623 ( furnishing inaccurate and unverifiable information ). XXXX XXXX has no evidence that I owe this debt yet continues to damage my credit. 

I am requesting immediate deletion of this account from all credit bureau files, and full accountability for ongoing violations. demanding validation of this alleged debt, including the original creditor agreement, a full balance breakdown, and proof of assignment. They failed to provide any legally sufficient validation. Instead, they continue to report this unverifiable account to Experian, Equifax, and TransUnion. 

This is a direct violation of FDCPA 809 ( b ) ( failure to cease collection until validation is provided ) and FCRA 623 ( furnishing inaccurate and unverifiable information ). XXXX XXXX has no evidence that I owe this debt yet continues to damage my credit. 

I am requesting immediate deletion of this account from all credit bureau files, and full accountability for ongoing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 three major credit bureausXXXX, Equifax, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law.

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CA

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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong 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 2025-08-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My mother opened at XXXX account for my son with XXXX XXXX XXXX at some point between XXXX and XXXX. She did not name a successor custodian. In XXXX, she was diagnosed with a XXXX XXXXXXXX and I obtained durable power of attorney. I contacted XXXX in XXXX to provide the POA in order to identify the XXXX accounts and any other accounts she may have had. They refused to accept my POA and their own POA and I was unable to name a successor custodian prior to her death in XXXX. I was unable to obtain the necessary court order to have myself appointed custodian of the account after her death and the account was abandoned until my son reached the age of XXXX. 

I contacted XXXX on XX/XX/XXXX as my son was turning XXXX on XX/XX/XXXX to ask how to ( 1 ) have him appoint a successor custodian ; and ( 2 ) close the account and transfer the funds. They sent me forms and instructed me on how to complete them, but then rejected them. As of XXXX/XXXX/XXXX, I have spent over 14 hours on the phone and made/received 51 phone calls to/from XXXX in efforts to resolve this matter. I have submitted a Letter of Authorization to Issue a Check 5 times with 3 different payees ( all as instructed by XXXX ) and all have been rejected. Three different XXXX reps then said I could authorize the check on the phone ( each time it was a different version of the payee ), but would not name the payee in writing. I have repeatedly asked to speak to a supervisor or manager, but no one is ever available. I have also asked for communication to be done in writing, but have been told it is not possible and they will only communicate by phone.

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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent clear and direct letters stating I would like to one what date and what this debt is for and all I get are repeated phone calls with threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I opened a HSBC Premier Checking account in XXXX, 2025 in which my direct deposit from my employer is sent to. After I received my first direct deposit, my account had a block put on it. When I got in touch with customer service, I verified that I was the account owner and some recent transactions that were declined and I was told that the block had been removed and I could use my debit card again. I tried using it and it still got declined by my bank, so I called again. I vetoed everything again and was told the same, that the block was removed and I could use my account. I tried using my debit card again and it was declined again. My account has an available balance of {$1200.00}. So, I called back. I was told again that the block was removed and to try using my card while I was still on the phone to see if it worked. I tried and it was declined again. I was then told that it was being declined because HSBC bank has XXXX  ( where I was trying to make the transactions ) as an unauthorized business. I explained that earlier that day, I had made several transactions with the same HSBC debit card to transfer funds into mXXXX XXXX account and it worked fine. I was then told that I was allowed to make transfers to XXXX earlier that day but then HSBC decided that XXXX should be an unauthorized business and that I could no longer make any transactions with them. So I asked them when could I use my debit card again. I was told that the block was only for XXXX transactions and that it would work everywhere else. They also said that my case was being escalated and that someone from HSBC fraud department would be calling me within 24 hours. 24 hours has come and past and no phone call. I still cant use my debit card because it still gets declined. I need access to MY money, so I initiated a wire transfer from my HSBC account to my XXXX  account for {$100.00}. HSBC posted the transfer and deducted the {$100.00} from my account but XXXX said they never received the funds. So, I called HSBC again for verification that the wire transfer was successfully sent. They said it was successfully sent and that I could get documentation of the transfer from the mobile app under my profile. When I went to the app, it said that my documents are unavailable. I cant get any answers on when my account will be unblocked and no answers on where my transfer is. I dont know where to go for help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OK

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit file contains inaccurate and unverifiable accounts that do not belong to me or can not be legally verified. This includes student loans, a charge-off, and closed accounts still reporting derogatory remarks. I have disputed these items multiple times, yet they continue to appear as verified without proof or proper investigation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), and 1681c-3 ), the credit bureaus and furnishers are required to ensure maximum possible accuracy, remove unverifiable information, and provide original documentation if they wish to continue reporting. Since these obligations have not been met, I am requesting immediate deletion of all inaccurate or unverifiable accounts and negative remarks 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 2025-08-21 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: TX

Complaint narrative:
I am disputing a late payment entry that has been inaccurately reported on my credit file. According to my documentation, all payments were made on time. This false reporting misrepresents my financial responsibility and is negatively impacting my credit profile.

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 2025-08-21 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:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Public Record - XXXX XXXX XXXX XXXX XXXXXXXX, Public Record - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Record - XXXX XXXX XXXX XXXX XXXX  Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

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 2025-08-21 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: CBC Companies, Inc.
State: NC

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 2025-08-21 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief