vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. XXXX ( a ) ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. XXXX ( a ) ( 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 2025-09-29 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: TX

Complaint narrative:
I am disputing the reporting of my XXXX XXXX XXXX XXXX account ( Acct # XXXX ). XXXX XXXX is reporting this account as both Paid, Closed and Charge-OffXXXX {$280.00} Written Off, which is inconsistent, inaccurate, and misleading. An account can not simultaneously be reported as Paid, Closed and also as a Charge-Off.

My ePromissory Note ( attached ) shows the account terms and that the loan was closed, yet the credit bureaus are reporting contradictory information. This dual reporting is harming my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ( b ) ), furnishers have a duty to report accurately, conduct a reasonable investigation, and correct or delete any information that is inaccurate, incomplete, or unverifiable. XXXX XXXX has failed to properly verify or correct this information after my prior request. 

I demand permanent removal of this tradeline from my credit reports, or full correction so that it reflects only Paid, Closed, Never Late. Failure to correct or delete unverifiable information is a violation of the FCRA and constitutes grounds for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 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 Metro 2 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. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX BANK Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX  XXXX XXXX Account Number XXXX Open Date XXXX 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 XXXX 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 2025-09-29 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: IL

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 2025-09-29 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:
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 2025-09-29 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: IL

Complaint narrative:
Violation 15 USC 1681i ( a ) ( 7 ) Method of verification. Tradeline reporting without valid evidence.

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 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I opened an account with paypal to conduct business. I own a used car dealership. In many instances clients pay deposits and/or purchase cars with their debit card. Because PayPal was a well known payment platform my business decided to use it. Upon completing the transactions without any knowledge PayPal placed a reserve account on my profile and is holding our business proceeds in the amount of {$8500.00}! This has cause tremendous damage to our business and personally. I call weekly to have this escalated and to date no resolution. Customer service reps are very rude and condescending. This is forcing my business to standstill and halt operations until funds are clear! Unacceptable! 
PayPal is literally holding not this money but could have at least said we needed to put something up first. Instead they snatched our money and is refusing to give it back. I do not want to do business anymore with PayPal and want my account closed and money retuned! The clients have confirmed they have their vehicles and are satisfied with their purchases!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2025 I was contacted by NFCU stating that 4 attempts for withdrawals were made on my debit card. They asked if I have made the charges or authorized someone else to make those charges. I said absolutely no. I did not make and did not authorize the debit charges. They asked if my debit card was in my possession and I said yes, I keep it in my top dresser drawer. I don't usually carry it with me. The last time I had used it was in XXXX when NFCU credit card service was down. NFCU told me that the first 2 withdrawal attempts went thru and that I could file a fraud complaint. I did file a fraud complaint and the complain was denied. The reason was because there wasn't any unusual activity on the account. I disagree with their findings in the strongest possible way. I hardly ever use my debit card and I have never spent more than {$200.00} on Salon services never mind {$4100.00}. It also said that the business is in Delaware and the Delaware XXXX XXXX XXXX  has no record of a company with that name.I believe my card was skimmed and the charges were made using a false business. In other words it was a scam of some nature. 
I made a police report and the police believe it was fraud. The police contacted NFCU and the bank would not answer any questions regarding the charges or cooperate with the police. All 4 charges were made rapidly with only seconds between each charge. The 1st 2 charges that did go through were for {$2100.00} and {$2000.00} respectfully. NFCU has never reimbursed the {$4100.00} that was stolen from my checking account by someone using my debit card information. I have already filed 4 appeals with each being denied with no reason for denial being given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
The freedom mortgage company keeps raising our house payment it's went up XXXX in XXXX we have a fha and our payment was XXXX now it's XXXX we can not afford that they pushed us into foreclosure a year ago

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 2025-09-29 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: CT

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-29 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXXXXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX Equifax XXXX XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( 2023 ), Kirtz ( 2024 ), and Norman v. TransUnion ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus.

Accounts Still Inaccurate : CHARGE OFF - 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: PA

Complaint narrative:
E-mailed XXXX both Wednesday & Thursday of last week to cancel my contract. Left XXXX XXXX ( my account manager ) a voicemail at XXXXXXXX XXXX ET today ( his phone number is XXXX ) to cancel my contract and have the funds from my dedicated savings account deposited back into my XXXX  Checking Account. My contract clearly states I can cancel at anything without penalty ; they have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I received a call from my mother about some debt collector asking her about a motorcycle. I called this company and they told me they had sold my motorcycle after being towed and stored and they are trying to collect the towing and storage fee plus interest. I told them I sold the motorcycle and provided them with a Notice of Release of Liability and a copy of the bill of sale. They said neither were valid and I am still liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Equifax regarding multiple late payment entries reported by XXXX XXXX XXXX XXXX. Along with my dispute, I provided full identifying documentation, including a copy of my drivers license, Social Security card, and a utility bill. 



On XX/XX/year>, the bureau responded but did not provide any actual verification from XXXX XXXX. Instead, they returned a generic payment history summary created by the bureau itself. This does not meet the standard of verification under the Fair Credit Reporting Act ( FCRA ). 



On XX/XX/year>, I sent a Method of Verification ( MOV ) request, specifically asking the bureau to provide the source of the information, the name of the furnisher, and evidence relied upon for verification. 



On XX/XX/year>, I received a second response. Once again, the bureau failed to provide proper verification. They repeated the same generic payment history without demonstrating that they contacted XXXX XXXX directly or that they obtained documentation from the furnisher of information.

Why This Is a Violation : Under FCRA 611 ( a ), the bureau must conduct a reasonable reinvestigation. Merely repeating information in their own files does not qualify.

Under FCRA 611 ( a ) ( 7 ), upon request, the bureau must provide the method of verification. Simply restating generic data without disclosing the actual source or documents from the furnisher is not sufficient.

This process has now taken more than 30 days from my initial dispute, yet no proper reinvestigation has been demonstrated.

Requested Resolution : I am requesting that the bureau delete the unverified late payment entries reported by XXXX XXXX XXXX XXXX, as they have failed to provide adequate verification under the FCRA. At minimum, I request that the CFPB require the bureau to conduct a proper reinvestigation with actual documentation from the furnisher, not bureau-generated summaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: IN

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  Date : XX/XX/year> XXXX XXXX  Date : XX/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 2025-09-29 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: PA

Complaint narrative:
I am writing to formally dispute the following inaccurate and unverifiable information appearing on my credit file maintained by your agency. This letter serves as a formal demand for immediate investigation and deletion of the listed accounts ( see attachment ) in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C 1681 ET SEQ. ). These accounts are being reported inaccurately, and your bureau is in violation of the FCRA by continuing to report information that can not be verified as accurate, complete, and current. According to 15 U.S.C 1681i ( a ) ( 1 ), you are required to conduct a reasonable investigation within 30 days of receipt of this dispute. If you can not verify the accuracy of these items with the original furnisher of information, you must delete them immediately. Reporting unverifiable or false data is a violation of federal law. Additionally, under 15 U.S.C 1681e ( b ), you are required to maintain maximum possible accuracy of the information you report. Failure to comply may result in legal action, statutory damages. I demand written confirmation of the deletion of these accounts from my credit file. If items remain after the 30- day investigation period without proper verification, I will escalate this matter with regulatory agencies and pursue further legal remedies available to 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