vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: EdFinancial Services
State: DE

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory information contained in my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The following accounts and notations are inaccurate, incomplete, and/or unverifiable, and therefore must be removed immediately. 

Disputed Accounts and Issues EDFinancial Services Account # XXXX Status shows Current, was past due 150 days. 

This reporting is inaccurate and derogatory. If the account is current, no prior late status should continue to damage my credit profile. 

Additional Accounts Similar Notation Multiple tradelines are reporting Current, was past due 150 days and other derogatory notations.

These late payments are either inaccurate, unverifiable, or incomplete, and therefore must be deleted under FCRA guidelines. 

High Credit Utilization Notations My report reflects High credit usage derogatory factors and unverified utilization ratios ( e.g., {$2400.00} balance on a {$3000.00} limit ). 

These entries are incomplete and fail to meet the FCRAs accuracy requirements.

Legal Basis for Dispute 15 U.S.C. 1681i You must conduct a reasonable reinvestigation and delete any information that can not be verified.

15 U.S.C. 1681e ( b ) Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c Obsolete or incorrect information must not be reported.

15 U.S.C. 1681c-2 Information resulting from identity theft, or unverifiable information, must be blocked from reporting.

The above items violate these provisions and must be removed from my credit file.

Requested Action Delete all late payment notations, derogatory remarks, and unverifiable high utilization flags listed above.

Provide me with a corrected copy of my credit report after your reinvestigation.

Provide the method of verification, including the name and contact information of the entity that verified each disputed item.

Please complete your reinvestigation within 30 days as required by federal law. Failure to comply will leave me no choice but to pursue remedies available under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and my credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed, yet they remain on my report. This failure to act is unacceptable and demonstrates negligence in addressing a serious matter.

The continued presence of these unauthorized and potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is causing ongoing emotional and financial harm, and I will not accept further delays.

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 2025-09-26 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.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-26 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.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE PERMANENT REMOVAL OF FRAUDULENT AND UNAUTHORIZED HARD INQUIRIES FROM MY CREDIT REPORT. I HAVE BEEN DISPUTING THESE FOR MONTHS AND EVEN PROVIDED AN FTC IDENTITY THEFT REPORT, YET THEY REMAIN. I DID NOT AUTHORIZE THESE INQUIRIES, AND SOME ARE OVER TWO YEARS OLD AND SHOULD NO LONGER BE REPORTED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I DEMAND THAT THESE INQUIRIES BE REMOVED IMMEDIATELY TO PREVENT FURTHER DAMAGE TO MY CREDIT.

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 2025-09-26 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 2025-09-26 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: FL

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 non-monetary relief
Consumer complaint received 2025-09-26 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: CO

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 2025-09-26 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: TX

Complaint narrative:
I am submitting this complaint against the three major credit XXXX, XXXX, and TransUnionfor 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 Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, XXXX, and TransUnion 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 2025-09-26 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: UT

Complaint narrative:
So today XX/XX/XXXX my Venmo was banned after trying to verify my account with my REAL ID they gave me no warning and just banned my account with hundreds of dollars in it that I'm not able to withdraw

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Submitted a dispute with Citi for a defective item that I tried troubleshooting with company, they were not responsive to requests. Ended up returning bicycle, but Citi closed the case stating that I am responsible for payment. They never requested any evidence from my side, even though they said to keep all evidence available. I have been calling Citi every three days, and they say the same thing : I will reopen your case, please check again in three days. I have done this during two weeks and the charge continues to be on my account, and no clear guidance on next steps.

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 2025-09-26 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: OneMain Finance Corporation
State: PA

Complaint narrative:
Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Under 15 USC 1692c, you violated my rights by unlawful communications. This collection is invalid. Remove it from my credit report immediately or i will pursue all legal remedies available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I AM XXXX AND I AM EXPERIENCING SOME PROBLEMS DUE TO MY INFORMATION BEING LEAKED OR SOMETHIG I DONTY XXXX WHAT DO DO WITH IT THIS INQUIRES ARE NOT MINE XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MINE AND ABOUT THE ALL STORY WHICH IS HAPPENING SO PLEASE IF U CAN TAKE CARE OF THIS I AM TRYING MY BEST TO MAKE EVERYTHING BACK TO NORMAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I did a XXXX transaction to times for for {$6.00} then I had a friend of mine do transfer to transfer to chime for {$150.00} and they said it was fraud but the XXXX account has my name on it and that account has my name on it and my friend paid me {$150.00} from his chime account to pay anyone and they said it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: BARCLAYS BANK DELAWARE
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 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 2025-09-26 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to respectfully request that my closed complaint ( Case Number : XXXX ) be reopened and investigated further. 

In my initial complaint on the CFPB portal ( XXXX XXXX : XXXX ), I clearly stated that the company ( XXXX ) admitted in writing ( email from property manager attached ) that they do not have move-in photos and add charges based solely on the move-in inspection form. They provided me with a move-in inspection form, which I uploaded in my initial complaint ( XXXX XXXX : XXXX ), and the company confirmed that the form I uploaded is the same one they have on record and provided to me. However, the form does not contain my signatureit contains someone elsesand they are treating it as a valid document to impose charges against me. This remains the core of my dispute. 

How can the company claim that a move-in inspection form is valid when it clearly does not contain my signature? By definition, a move-in inspection form without the tenants signature can not be considered legitimate. I respectfully request that the CFPB compare the signature on the move-in inspection form with my lease agreement and identification documents. The signatures do not match, proving that the document is forged and invalid. This raises serious concerns about the companys business practices and appears to be fraudulent, as they are relying on a forged document with someone elses signature to impose charges on a consumer Despite this, the company continues to rely on that same forged form while refusing to provide either : XXXX. A genuine move-in inspection form signed by me XXXX. Move-in photos/videos For your convenience, I am attaching : XXXX. The landlords email confirming no move-in photos exist XXXX. My lease document and identification documents containing my signature XXXX. The move-in inspection provided to me by the company containing someone else signature Given this, the company should provide a valid move-in inspection form containing my signature. The form I initially uploaded is the same one the company has, which is forged and does not contain my signature, yet they claim it is valid. I respectfully request that the CFPB compare the signatures and take appropriate action. 

Please feel free to reach out if you need any additional documentation or information at XXXX ( XXXX ) XXXX or XXXX Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On or about XX/XX/year>, I received a letter from XXXX regarding an account ending in XXXX that I am disputing. XXXX stated that the only verification of this account was my email address and phone number. No signed application exists because the account was allegedly opened online. 

I have repeatedly disputed this account with XXXX and the credit reporting agencies ( TransUnion, XXXX XXXX XXXX XXXXXXXX ). I also provided identification and supporting documents multiple times. Despite this, XXXX continues to report this account, even though they have not provided valid proof that I opened or authorized it. 

I sent XXXX a written response demanding deletion of the account, citing violations of the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 3 ) ). The account remains on my credit reports and continues to damage my credit profile.

This situation has caused ongoing harm, including denial of credit opportunities, stress, and the burden of repeated disputes. 

I am requesting that the CFPB require XXXX to : Delete the unverifiable account from all credit reports, Cease all collection activity, and Confirm in writing that this account was the result of identity theft and not authorized by 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