vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXX and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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

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

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure t
o 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 Trans Union 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 Account Number XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Balance XXXX $ XXXX Account Number XXXX Balance XXXXXXXX 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 XXXX and TransUnion 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, three unauthorized transactions totaling {$1000.00} were made from my Chime account to XXXX Account Funding. These occurred after a child accessed my device without permission and initiated trades in my XXXX account. I did not authorize or intend for these payments to occur. 

I reported the issue to Chime on XX/XX/year> ( Claim # XXXX ) and clearly stated that the transactions were unauthorized. Despite this, Chime denied my claim only XXXX days later, stating no error occurred. This extremely short investigation period shows that a full and fair review was not conducted. 

I requested all documentation used in Chimes investigation, including device and login data, authentication records, merchant communications, and any fraud review notes. Chime failed to provide those materials, instead only sending a brief summary. This is not in compliance with Regulation XXXX, which requires financial institutions to provide supporting documentation upon request. 

Chime has not properly investigated this case or provided the required documentation. They must reverse their decision and issue a full credit of {$1000.00} for the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. XXXX, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. XXXX, Section XXXX ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of 15 U.S.C. XXXX, Section XXXX ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. XXXX ( A ) ( XXXX ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-10-23 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: TX

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. XXXX, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. XXXX, Section XXXX ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of 15 U.S.C. XXXX, Section XXXX ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. XXXX ( A ) ( XXXX ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-10-23 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-23 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed them. This is completely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is both alarming and distressing.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-10-23 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: NC

Complaint narrative:
Dear TransUnion 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 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
Consumer complaint received 2025-10-23 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: FL

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 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 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
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
XXXXI sent a certified letter to Experian on XXXX with tracking #XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX XXXX XXXX  at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXX (account # XXXX)XXXX XXXX XXXX XXXX XXXX  (account # XXXX)XXXX XXXX XXXX XXXX  (account # XXXX)XXXX XXXX XXXX XXXX XXXX (account # XXXX)XXXX XXXX XXXX XXXX XXXX (account # XXXX)XXXX XXXX XXXXXXXX XXXX XXXX (account # XXXX) XXXXExperian failed to respond. I sent another letter on XXXX which they failed to respond once again.'

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 2025-10-23 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: NY

Complaint narrative:
Ive been a victim of identity theft. see police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: PA

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 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

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 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Over a month ago requested a debt Validation and chain of command of debt no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am the victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reporting checking/savings account activity and/or inquiries that I did not open or authorize, which has led to denials of legitimate banking. The fraudulent entries are furnished by multiple institutions, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have account numbers or opening dates because these are not my accounts ; they were opened using my personal identifiers without my consent.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting : ( 1 ) Immediate identity-theft block and deletion within four business days under 15 U.S.C. 1681c-2 ( 605B ) for all identity-theft information on my XXXX XXXX XXXX files ; ( 2 ) a reasonable reinvestigation and deletion of any item not verified with competent documentary evidence that I opened/authorized the account ( s ), as required by 15 U.S.C. 1681i ( 611 ) ; ( 3 ) the complete method of verification for any item that remains, including the specific documents and data relied upon ( applications, signature cards, IDs used, device/IP logs, geolocation, branch surveillance references, funding source records ) and direct furnisher contact details, per 611 ( a ) ( 6 ) ( 7 ) ; ( 4 ) confirmation that XXXX and XXXX maintain reasonable procedures to assure maximum possible accuracy per 15 U.S.C. 1681e ( b ) ( 607 ( b ) ) ; ( 5 ) placement and written confirmation of a security freeze on both files; and ( 6 ) that each furnisher cease reporting, delete all inaccurate/fraudulent information across all CRAs, correct prior reporting, and confirm in writing.

Temporary documentation note : Due to a federal service outage/government shutdown, I am temporarily unable to obtain the FTC Identity Theft Report. This should not delay required 611 reinvestigation, 605B blocking/deletion, or my security freezes. I will upload a police report as soon as it is available.

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 2025-10-23 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am the victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reporting checking/savings account activity and/or inquiries that I did not open or authorize, which has led to denials of legitimate banking. The fraudulent entries are furnished by multiple institutions, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have account numbers or opening dates because these are not my accounts ; they were opened using my personal identifiers without my consent.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting : ( 1 ) Immediate identity-theft block and deletion within four business days under 15 U.S.C. 1681c-2 ( 605B ) for all identity-theft information on my XXXX XXXX XXXX files ; ( 2 ) a reasonable reinvestigation and deletion of any item not verified with competent documentary evidence that I opened/authorized the account ( XXXX ), as required by 15 U.S.C. 1681i ( 611 ) ; ( 3 ) the complete method of verification for any item that remains, including the specific documents and data relied upon ( applications, signature cards, IDs used, device/IP logs, geolocation, branch surveillance references, funding source records ) and direct furnisher contact details, per 611 ( a ) ( 6 ) ( 7 ) ; ( 4 ) confirmation that XXXX XXXX XXXX maintain reasonable procedures to assure maximum possible accuracy per 15 U.S.C. 1681e ( b ) ( 607 ( b ) ) ; ( 5 ) placement and written confirmation of a security freeze on both files; and ( 6 ) that each furnisher cease reporting, delete all inaccurate/fraudulent information across all CRAs, correct prior reporting, and confirm in writing. 

Temporary documentation note : Due to a federal service outage/government shutdown, I am temporarily unable to obtain the FTC Identity Theft Report. This should not delay required 611 reinvestigation, 605B blocking/deletion, or my security freezes. I will upload a police report as soon as it is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to formally dispute the closure of my XXXX American Express credit card accounts and the forfeiture of my Membership Rewards points. 

On XX/XX/XXXX, I discovered that both of my Amex cards had been cancelled. I immediately contacted American Express customer service to inquire about the reason for this action. I was told that my accounts were closed due to misuse of the card, but no specific details were provided regarding what constituted this alleged misuse. I was not given prior notice, nor any opportunity to clarify or resolve the issue before the accounts were closed. 

I have been a loyal American Express customer since XXXX, maintaining my accounts responsibly and valuing the quality of service and reputation associated with Amex. The sudden cancellation and forfeiture of my Membership Rewards points, which I earned in good faith through legitimate spending, came as a shock. 

I respectfully request that American Express reconsider the forfeiture of my XXXX points. Even if reopening my accounts is not possible, I am asking for the opportunity to transfer my Membership Rewards points to an eligible travel partner. 

Given my long-standing relationship with American Express and my clean history of responsible card use, I hope this matter can be reviewed fairly and with understanding. I would appreciate a written explanation detailing the exact nature of the alleged misuse and confirmation of any possible options for reinstating or transferring my points. 

Thank you for your time and attention. I look forward to your response and a fair resolution.

Company response to consumer: Closed with explanation