vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with 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Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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 ( XXXXXXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-30 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: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, Any fraudulent accounts that I did not recognize or sign a contract for must be removed off my credit report in four days!

These fraudulent accounts are not only damaging my credit but also causing me significant XXXX and XXXX. I have no connection with these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-09-30 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: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, Any fraudulent accounts that I did not recognize or sign a contract for must be removed off my credit report in four days!

These fraudulent accounts are not only damaging my credit but also causing me significant XXXX and XXXX. I have no connection with these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MI

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$690.00} BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
Subject : Request for Investigation and Removal of Inconsistent Late Payments Across Credit Reports Account Number : XXXX Dear XXXX  XXXX XXXX XXXX, I am writing to formally dispute and request the removal of inconsistent late payment entries being reported on my credit file in connection with the above-referenced account. 
After carefully reviewing my credit reports from XXXX, XXXX, and TransUnion, Ive noticed that the reported payment history is inconsistent across these bureaus. For example : Example : TransUnion reports a XXXX late in XX/XX/XXXX, while XXXX  and XXXX  show no delinquencies.

These discrepancies suggest the reporting may be inaccurate, which is affecting me beyond just financially. This account is currently reflecting as derogatory, and the negative impact on my credit score has become mentally and emotionally distressing. Ive been working hard to maintain responsible credit behavior, and seeing inaccurate late payments harming my efforts has been deeply discouraging. The stress and anxiety caused by this issue is affecting my peace of mind, and I sincerely hope you will consider this in your review. 
I respectfully request : 1. That these late payments be removed from my credit report ( s ), as the inconsistent reporting brings their accuracy into question.

2. That your institution conducts a full investigation and provide a uniform update to all three credit bureaus.

3. That I be notified once the correction is complete, or provided with supporting documentation if you believe the current reporting is accurate. 

Thank you for your attention and understanding. I truly appreciate your time in helping to resolve this matter so I can move forward with peace of mind and financial stability. 
Sincerely, XXXX XXXX Last 4 of SSN : XXXX Date of Birth : XX/XX/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 2025-09-30 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: PA

Complaint narrative:
Subject : Request for Investigation and Removal of Inconsistent Late Payments Across Credit Reports Account Number : XXXX Dear XXXX  XXXX XXXX XXXX, I am writing to formally dispute and request the removal of inconsistent late payment entries being reported on my credit file in connection with the above-referenced account. 
After carefully reviewing my credit reports from XXXX, Experian, and XXXX, Ive noticed that the reported payment history is inconsistent across these bureaus. For example : Example : XXXX  reports a XXXX late in XX/XX/XXXX, while Experian and XXXX  show no delinquencies. 
These discrepancies suggest the reporting may be inaccurate, which is affecting me beyond just financially. This account is currently reflecting as derogatory, and the negative impact on my credit score has become mentally and emotionally distressing. Ive been working hard to maintain responsible credit behavior, and seeing inaccurate late payments harming my efforts has been deeply discouraging. The stress and XXXX caused by this issue is affecting my peace of mind, and I sincerely hope you will consider this in your review. 
I respectfully request : 1. That these late payments be removed from my credit report ( s ), as the inconsistent reporting brings their accuracy into question.

2. That your institution conducts a full investigation and provide a uniform update to all three credit bureaus.

3. That I be notified once the correction is complete, or provided with supporting documentation if you believe the current reporting is accurate. 

Thank you for your attention and understanding. I truly appreciate your time in helping to resolve this matter so I can move forward with peace of mind and financial stability. 
Sincerely, XXXX XXXX Last 4 of SSN : XXXX Date of Birth : XX/XX/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 2025-09-30 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: IL

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to SOUTHWEST CREDIT SYSTEMS. Attached to this complaint is my written validation request, which clearly lists the documents that SOUTHWEST CREDIT SYSTEMS must provide under the Fair Debt Collection Practices Act ( FDCPA ) to prove the debt is valid and legally collectible. This includes proof of ownership of the debt, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature. 
I am submitting this request through the CFPB to ensure that SOUTHWEST CREDIT SYSTEMS receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-30 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: OK

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On or around XX/XX/XXXX, Portfolio Recovery Associates sent me a debt collection letter. During the same time I sent via certified mail a dispute to them. Pursuant to 15 U.S. Code 1692g ( b ) I am allowed to dispute " any '' portion of the debt. I had disputed the legal status portion of the debt and requested proof of ownership by providing a purchase agreement. Instead of fulfilling my request, they decided to continue their collection activities and report the account on my credit reports. I sent them another dispute on XX/XX/XXXX requesting the same information to proof the legal status of the debt and to date I have not received a response. I also sent a dispute to the credit reporting agencies the same day stating that the agency has not proved the legal status of the debt and that if the information were to be verified, to send me a copy of the agreements proving the legal status. The investigation results came back verified, however I did not receive neither from the credit reporting agencies or from Portfolio Recovery Associates and form of evidence that the account was truly owned by them. How can the information be verified if they hadn't shown any proof? I demand the account be deleted from my credit reports immediately. I am hoping this complaint resolves the issue otherwise I will be left with no choice but to seek legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Description of What Happened Upon reviewing my credit report on XXXX/XXXX/205, I discovered an account reported under my file that I have no prior knowledge of. I was never contacted by the creditor, never received billing statements, and was not informed of any balance due. The account appears to have been opened or reported without my authorization or awareness. 

The reported balance of {$1500.00} is unfamiliar to me, and I have never acknowledged or agreed to this debt. Because I had no prior notice, I was unable to dispute it until now. After discovering this item, I immediately requested verification and supporting documentation from the credit bureau and the furnisher. To date, no valid documentation has been provided. 

This account is being reported inaccurately and is causing harm to my credit profile. Under the Fair Credit Reporting Act, all information must be accurate and verifiable. Since this debt can not be substantiated, I am requesting that it be investigated promptly and deleted from my credit file if the company can not provide complete verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-30 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: Experian Information Solutions 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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.

Delete the accounts below : Inquiry - fecha Inquiry - Fecha 15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : Inquiry -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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