vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
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.

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 2025-10-02 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: SC

Complaint narrative:
I recently pulled my credit report and saw late-payment codes on my federal student-loan account with XXXX ( Account XXXX XXXX. These entries show 120-day late payments on XX/XX/XXXX- XX/XX/XXXX. XXXX XXXX XXXX Account XXXX ) These entries show 120-day late payments on XX/XX/XXXX- XX/XX/XXXX. DEPT OF ED/XXXX XXXX Account No.XXXX XXXX. These entries show 120-day late payments on XX/XX/XXXX- XX/XX/XXXX. Even though my loan was in an authorized deferment/forbearance or under a CARES-Act payment suspension at the time. Under Department of Education regulations, lenders can not report a payment as late during deferment or forbearance. The CFPB has also explained that if a borrower receives a COVID-19 accommodation, the servicer must report the account as current and can not show it as more delinquent. Reporting me as late violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Violations : Furnishers must not report information they know or have reason to believe is inaccurate. Credit bureaus must reinvestigate disputes and delete unverifiable or inaccurate information within 30days. Reporting my account as late during a deferment/CARES Act suspension misrepresents the legal status of the debt and violates FDCPA 807l. I sent certified dispute letters to [ Bureaus ] demanding deletion, but they either failed to respond or verified the late payments without providing documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Independence Capital Recovery, LLC
State: KS

Complaint narrative:
I spoke XXXX XXXX XXXX on Friday XX/XX/year>. Since that day I have received a combination of 27 phone calls and text messages. I spoke to an agent on Wednesday XX/XX/year> asking to stop the amount of calls and automated calls and they also acknowledged the 7 calls in 7 days. I was also informed they couldnt do anything about the automated calls. Despite the conversation I am still being harassed multiple times per day. They have called me from XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and several different numbers via text message. 

XXXX XXXX XXXX is collecting on behalf of Independence Capital Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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 XXXX XXXX Format and XXXX 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 XXXX XXXX and XXXX  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 Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Balance : {$8000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$2300.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$11000.00} Open Date XXXX XXXX, XXXX, XXXX XXXX IN Account Number XXXX Balance : {$660.00} Open Date XXXX XXXX, XXXX, XXXX XXXX Account Number XXXX Balance : {$510.00} Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriaXXXX 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 explanation
Consumer complaint received 2025-10-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX- {$310.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$250.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is reporting current late payments on my credit profile thats included in a bankruptcy. 
Formal Dispute of Unverifiable Late Payments Account # [ XXXX To Whom It May Concern : I am writing to formally dispute certain information being reported on my credit report regarding my account with XXXX XXXX, specifically alleged late payments that are unverifiable and appear to be inaccurately reported. Im currently protected under the XXXX  XXXX bankruptcy laws, and this account is included in that said bankruptcy. This currently lated reporting of this account on my report is inaccurate and needed to be removed immediately.

Pursuant to 15 U.S. Code 1666 ( b ) of the Fair Credit Billing Act ( FCBA ), I am exercising my right to dispute a billing error, which includes charges or information that is inaccurate or can not be verified. The law requires that a creditor investigate and respond to such disputes in a timely and proper manner. 
According to my credit reports obtained from the major credit reporting agencies , XXXX XXXX is reporting late payments that I do not recognize and for which no supporting documentation has been provided. I am requesting that you : 1. Conduct a full investigation into the alleged late payments.

2. Provide proper documentation verifying the accuracy of the reported late payments, including payment history and records showing when payments were due and received.

3. If you are unable to verify the accuracy of these entries, I request that you promptly delete or correct this inaccurate information from any reports you have issued to credit reporting agencies, as required by law.

Please consider this letter a formal billing error dispute in accordance with 15 U.S. Code 1666 ( b ). You are required to acknowledge receipt of this dispute within 30 days and resolve or explain the outcome within two billing cycles ( but not more than 90 days ).

Enclosed are copies of my credit report highlighting the disputed entries, and any relevant documents I have on hand. If further documentation is needed to assist your investigation, please inform me in writing.

Failure to properly respond or resolve this matter may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general.

Thank you for your prompt attention to this matter. I expect a written response confirming the results of your investigation and any corrections made. 
Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX account number ( XXXX ) XXXX XXXX XXXX opened date XX/XX/XXXX account number ( XXXX XXXX XXXX XXXX XXXX Opened date XX/XX/XXXX account number ( XXXX ). that appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the afo consumer FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are 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 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX says that I owe {$2300.00} from XX/XX/year> I dont know who this company is nor did I sign or agree to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
FORMAL DISPUTE & DEMAND FOR DELETION You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I demand immediate deletion of the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Your continued negligence in handling identity theft reports violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful non-compliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Failure of furnishers to report accurate data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 XXXX 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 XXXX 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.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 XXXX 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 XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am an Equifax Data Breach impacted consumer whose personal information has been compromised. I reported fraudulent/identity theft accounts appearing on my credit report and requested blocking of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ).

The credit reporting agency failed to block these fraudulent accounts within the four-day timeframe required by law. This is a clear violation of federal law and a direct harm to my creditworthiness.

Despite providing notice of identity theft, these fraudulent and inaccurate accounts remain on my report. The bureau has ignored its duty to block and remove them.

Violations of Federal Law : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Failure to block fraudulent identity theft data within XXXX business days. 

15 U.S.C. 1681n : Willful non-compliance with the FCRA.

15 U.S.C. 1681o : Negligence in reinvestigating disputed information.

15 U.S.C. 1681s-2 : Failure of furnishers to report only accurate and verifiable data.

Fraudulent Accounts in Dispute : XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX Fraudulent and inaccurate. 

XXXX  XXXX Fraudulent and inaccurate. 

XXXX BANK XXXX Fraudulent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am an Equifax Data Breach impacted consumer whose personal information has been compromised. I reported fraudulent/identity theft accounts appearing on my credit report and requested blocking of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ).

The credit reporting agency failed to block these fraudulent accounts within the four-day timeframe required by law. This is a clear violation of federal law and a direct harm to my creditworthiness.

Despite providing notice of identity theft, these fraudulent and inaccurate accounts remain on my report. The bureau has ignored its duty to block and remove them.

Violations of Federal Law : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Failure to block fraudulent identity theft data within XXXX business days. 

15 U.S.C. 1681n : Willful non-compliance with the FCRA.

15 U.S.C. 1681o : Negligence in reinvestigating disputed information.

15 U.S.C. 1681s-2 : Failure of furnishers to report only accurate and verifiable data.

Fraudulent Accounts in Dispute : XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX Fraudulent and inaccurate. 

XXXX  XXXX Fraudulent and inaccurate. 

XXXX BANK XXXX Fraudulent and inaccurate.

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 2025-10-02 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with explanation