vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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 three major credit bureausExperian, XXXX, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy XXXX XXXX. XXXX ( 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 XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: SC

Complaint narrative:
As of today I noticed Experian has been reporting errors on my credit report. I located errors reporting on collection accounts, and charge offs. I am very upset that Experian has been illegally reported inaccurate and incomplete on each account I have listed on my credit report. This type of errors are affecting me from building my business for financial growth. I took the timtype a letter and point out all of the of the Violations listed.

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 2025-09-02 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: CA

Complaint narrative:
YOUR COMPLAINT XXXX XXXX  COMPLAINT XXXX XXXX XXXX XXXX 1. Facts * * 1.1 I am a borrower with an XXXX  XXXX which prevents me from effectively using automated telephone systems. I therefore rely upon online or written means in order to manage my student loan accounts. 1.2 On XXXX XX/XX/year>, I received multiple alerts from XXXX  stating that XXXX / Department of Education had reported my accounts as delinquent. This was the first such notice I had received in several years. * * 2. Attempts to Resolve * * 2.1 I attempted to verify the information immediately. * On desktop, XXXX website produced repeated 503 errors ( * XXXX can not currently handle this request * ). * On mobile, the username and password recovery options opened only blank pages. * The telephone system did not allow verification of my information and offered no access to a live representative. 2.2 On XXXX XX/XX/year>, I sent three written requests entitled * Accessibility Barriers and Request for Accommodation to Verify Account Information *. These letters explained that, due to my XXXX, I required an alternative and accessible way to manage my account. They were sent to multiple XXXX addresses, including Processing, California Residents, and Claims. 2.3 As of XXXX XX/XX/year>, no reply has been received. XXXX continues to report negative information to XXXX  which I am unable to verify or contest. * * 3. Discrimination Basis * * 3.1 XXXX  failure to provide an accessible method of communication has denied me equal treatment. 3.2 As an entity acting on behalf of the U.S. Department of Education, XXXX is subject to : * Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ) prohibiting disability discrimination in federally funded programmes. * Title III of the Americans with Disabilities Act ( 42 U.S.C. 12181 et seq. ) requiring equal access to services, including digital platforms. * California Civil Code 51 ( Unruh Civil Rights Act ) and 5455.32 ( Disabled Persons Act ) guaranteeing persons with disabilities full and equal access to services, including websites and electronic communications. 3.3 By ignoring my accommodation requests and maintaining inaccessible systems, XXXX has breached these obligations.

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 2025-09-02 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 XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation XXXX XXXX. XXXX ( 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 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Open Date 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 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I would this company to provide proof of ownership to collect this debt. This is hurting my credit profile as a negative item Please provide proof of ownership Capital One N.A For the {$1400.00} debt youre trying to collect from me. Under code 1681e b posting inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that appears on my credit report. I never authorized, opened, or maintained this account, and its presence is false. This misreporting is negatively affecting my credit score and financial reputation.

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 2025-09-02 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: FL

Complaint narrative:
Type of Disputed Information : Incorrect Credit Account / XXXX, Equifax Dear CFPB Team, This is a complaint regarding inaccurate, incomplete, and untimely information appearing on my Equifax consumer credit report concerning a XXXX XXXX account. 

We request that the following information be corrected to reflect the accurate status or be entirely deleted. 

The Equifax credit report, Page One and Two, currently displays the XXXX XXXX account as in a " Charge Off '' status, which is incorrect. 

Equifax Account Information as of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Clarification and Supporting Documentation : The above information is inaccurate. We have received a Letter of Satisfaction of Debt from XXXX XXXX XXXX dated XX/XX/XXXX, which explicitly states, " This is confirmation that the settlement on your account has been completed. '' This confirms the account has been settled as agreed. The payment for the agreed settlement amount was remitted to XXXX XXXX, XXXX. via XXXX on XX/XX/XXXX, and was received by the creditor on XX/XX/XXXX We immediately filed a dispute with Equifax Credit Bureau and requested a reinvestigation to update the account status accordingly. However, the records have not been updated to reflect accurate, complete, and up-to-date information, nor has the incorrect information been deleted. 

Included with this complaint are the following documents : * Copy of the Letter of Satisfaction of Debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Driver 's License * Copies of Equifax Credit Report Pages One and Two, highlighting the inaccurate information Thank you for your assistance in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my ocial statement about the crime. 
Contact Information First Name : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Personal Statement Phone : XXXX Last Name : XXXX Email : XXXX Recently I pulled my credit report and noticed accounts on there that I did not authorize opened. I was notified that my name and personal information was compromised in data breaches from XXXX, Equifax and XXXX XXXX and exposed my personal information through no fault of my own and continued reporting of these fraudulent accounts violates my rights under the FCRA and could expose XXXX Equifax and XXXX XXXX to regulatory penalties and civil liability for failure to comply. Under ( FCRA ) 15 U.S.C. 1681c-2 I am exercising my rights for the reporting of inaccurate information and all laws related to identity theft protection under FACTA. FCRA Section 609 ( e ) requires the blocking od fraudulent information resulting from identity theft once proper documentation is provided ( US Passport, Social Security Card, Utility Bill with my address for over 5 years and my date of birth ). 
Accounts Affected by the Crime Other Identity Theft Company or Organization : Date that I discovered it : XX/XX/XXXX XXXX XXXX XXXX  Total fraudulent amount : {$2700.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: SC

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

1681c2 ) that you, the Experian 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 XXXX XXXX XXXXXX/XX/year> 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
Dear CFPB, I am filing this complaint against DRS, who is currently reporting an alleged debt on my credit report. This company is not the original creditor, and I dispute their legal authority to collect or report this debt. 

I have already contacted the collection agency directly in writing and requested verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Despite my request, the agency has failed to provide proof that they own or have been assigned the debt. Instead, they continue to report this account to the credit bureaus, damaging my credit profile.

This conduct violates : FDCPA, 15 U.S.C. 1692e, which prohibits false or misleading representations in debt collection. Reporting a debt without proving legal ownership is misleading.

FDCPA, 15 U.S.C. 1692g ( b ), which requires collection efforts ( including reporting ) to cease until verification is provided.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate or unverifiable information. 

I respectfully request that the CFPB investigate this matter and take corrective action to : Require DRS to provide full verification of the alleged debt, including proof of assignment from the original creditor. 

Instruct DRS to remove any negative reporting from my credit report until such verification is provided. 

Ensure compliance with the FDCPA and FCRA to prevent further violations of my consumer rights. 

Enclosed are copies of my correspondence with the collection agency and evidence of continued reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. The supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
I owe {$2800.00} on one of my loans and went to pay it off as I was fortunate to have a family member offer to pay off that loan. When using the pay off a specific loan option the system automatically allocated {$48.00} to the other loan I have. It says that you can go back to the previous page if allocations are incorrect and fix it, which I attempted to do but it kept reallocating and the only way to pay off one of my loans was to pay the {$48.00} towards the other loan in addition to the {$2800.00} towards the loan I intended to pay off. This is duplicitous and shady, Im fortunate it is a relatively small amount but if this is automatically forcing people to pay towards other loans and keeping their other loans open when they are attempting to close them - especially if they are paying off a loan with a higher interest rate as they are advised to do, this is not good business practice and I dont think its legal to take money and force the person to pay one of the loans when nothing is due on either.

Company response to consumer: Closed with explanation