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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I make it a point to regularly review my credit report because maintaining an accurate credit profile is extremely important to me. However, I continue to see the same inaccurate and false information reported, despite having raised this issue multiple times. This recurring problem has not been corrected, and it is both stressful and exhausting to deal with. These inaccuracies are unfairly damaging my credit score and negatively impacting my life.

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: 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: NV

Complaint narrative:
I applied for a {$100000.00} business line of credit and was denied because Experian reported inaccurate and unverifiable information. I disputed directly, but Experian failed to correct or reinvestigate as required. 

Under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX ( b ) ), credit bureaus must assure maximum accuracy and delete any item that can not be verified. That did not occur. Reporting false or unverifiable data is a violation of federal law and defames my character by damaging my reputation and creditworthiness. 

If not corrected, I will escalate this beyond the CFPB to the FTC, my State Attorney General, and other regulators. I request that this matter be handled expeditiously and that all unverifiable or inaccurate reporting be permanently deleted.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, XXXX, 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 XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I am requesting XXXX XXXX Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX  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 2025-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report. The account is Capital one account that was opened XX/XX/XXXX. 

After reviewing my credit report, I believe this information is inaccurate and/or unverifiable for the following reason ( XXXX ) : Capital One has it listed on my credit report that they did not report any activity on my account for the month XXXX of XXXX and also XXXX of XXXX they did not report anything either. The same thing for the months XXXX of XXXX to present day. If this account is not being reported why does is not being reported on XXXX  but its being reported to XXXX. The reports are inconsistent between all three credit bureaus Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and remove any information that can not be verified or is inaccurate. I request that this charge-off entry be deleted from my credit file. 

Please provide me with written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains multiple inaccurate entries that are harming my credit and causing significant financial and emotional distress.

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: 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : AMERICREDI Date : XX/XX/XXXX XXXX AUTO Date : XX/XX/XXXX XXXX AUTO Date : XX/XX/XXXX XXXX AUTO Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX GLOBALLEND Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

Company 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
Third and Final Notice of Dispute Account To Whom It May Concern, This letter serves as my third and final notice disputing the above-referenced account you have reported to XXXX XXXX and TransUnion. 
Under my rights provided by 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ), I hereby demand that you : Provide full validation of this debt as required by law, including a complete accounting, original signed agreement, and chain of title proving you have the legal right to collect.

Cease reporting any unverifiable or inaccurate information to any credit reporting agency. 
Remove any unsubstantiated information immediately from my credit profile if you can not provide validation within 15 days of receipt of this letter. 
Failure to comply will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing legal remedies for violations of the FCRA and FDCPA, including damages. 
This is a final opportunity for your company to correct this matter amicably and avoid further regulatory or legal action. 
I expect a written response within 15 days confirming deletion of this account or providing full legal validation. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX

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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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: 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: OK

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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: 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I submitted multiple disputes to Experian, TransUnion, and Equifax regarding fraudulent accounts, hard inquiries, and personal information tied to identity theft. I provided legally sufficient Identity Theft Reports, police reports, proof of identity, and sworn affidavits, meeting all requirements under 15 U.S.C. 1681c-2 ( c ) ( d ).

Despite this, all three credit bureaus refused to comply with the law requiring them to block fraudulent information within 4 business days. Instead : Experian refused to block any fraudulent information and claimed investigations were completed, despite the same sham investigation practices for which CFPB is currently suing them ( XXXX XXXX, XXXX  ). 

TransUnion improperly marked fraudulent accounts as closed instead of removing them entirely, violating 1681c-2 ( b ). On XXXX XXXX XXXX, TransUnion sent me a data breach notice admitting my SSN and DOB were exposed directly supporting my identity theft claims but they still refused to block the fraudulent information. 

Equifax also marked fraudulent accounts as closed instead of removing them, the same practice for which CFPB fined them {$15.00} XXXX in XXXXXXXX XXXX 

Over the past 4 months, I filed XXXX CFPB complaints against the bureaus ( including Complaint IDs # XXXX, # XXXX, and # XXXX filed on XXXX XXXX XXXX  ). Each complaint was closed with generic company responses, but the violations continue today. 

As a result, fraudulent accounts, inquiries, and addresses remain on my credit files, causing ongoing harm to my creditworthiness and financial standing. The bureaus are in willful violation of 1681c-2, ignoring both my disputes and CFPB oversight, despite active CFPB enforcement actions against them for the exact same misconduct.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I submitted multiple disputes to Experian, TransUnion, and Equifax regarding fraudulent accounts, hard inquiries, and personal information tied to identity theft. I provided legally sufficient Identity Theft Reports, police reports, proof of identity, and sworn affidavits, meeting all requirements under 15 U.S.C. 1681c-2 ( c ) ( d ).

Despite this, all three credit bureaus refused to comply with the law requiring them to block fraudulent information within 4 business days. Instead : Experian refused to block any fraudulent information and claimed investigations were completed, despite the same sham investigation practices for which CFPB is currently suing them ( XXXX XXXX, XXXX  ). 

TransUnion improperly marked fraudulent accounts as closed instead of removing them entirely, violating 1681c-2 ( b ). On XXXX XXXX XXXX, TransUnion sent me a data breach notice admitting my SSN and DOB were exposed directly supporting my identity theft claims but they still refused to block the fraudulent information. 

Equifax also marked fraudulent accounts as closed instead of removing them, the same practice for which CFPB fined them {$15.00} XXXX in XXXXXXXX XXXX 

Over the past 4 months, I filed XXXX CFPB complaints against the bureaus ( including Complaint IDs # XXXX, # XXXX, and # XXXX filed on XXXX XXXX XXXX  ). Each complaint was closed with generic company responses, but the violations continue today. 

As a result, fraudulent accounts, inquiries, and addresses remain on my credit files, causing ongoing harm to my creditworthiness and financial standing. The bureaus are in willful violation of 1681c-2, ignoring both my disputes and CFPB oversight, despite active CFPB enforcement actions against them for the exact same misconduct.

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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Multiple hard inquiries from unknown sources Credit account that should have fallen off my credit report is still reporting. 
Account sold to a third party without my consent

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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