vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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 XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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

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

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit
State: TX

Complaint narrative:
My daughter leased a car from VW Credit and my name ended up as the buyer without my authorization. I have inquiries on my credit report from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
TransUnion is reporting an inquiry with my personal information that I do not recognize

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
TransUnion is reporting an inquiry with my personal information that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
My information was exposed in the Equifax Data Breach and I have several fraudulent and inaccurate information on my credit report. This CFPB complaint has been file to request pursuant to The FCRA 605B ( 15 U.S.C.1681 c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK this information appearing on My Consumer Credit Report, that is a result of Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This fraudulent, inaccurate, and false accounts consist of XXXX XXXX Account XXXX opened on XX/XX/XXXX amount {$4600.00}, account XXXXXXXX XXXX  ACCOUNT NUMBER XXXX opened on XX/XX/XXXX amount of {$6200.00} ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER XXXX OPENED ON XX/XX/XXXX amount {$6100.00} ACCOUNT NAME XXXX XXXX XXXX  ACCT NUMBER XXXX DATE OPENED XX/XX/XXXX amount {$9800.00} Account Name : XXXX XXXX account number XXXX Opened XX/XX/XXXX amount : {$3200.00} Account Name : XXXX Account number XXXX Account Name : XXXX XXXX  account number XXXX opened XX/XX/XXXX amount $ XXXX : XXXX INQUIRY DATE XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRY NAME XXXX XXXX XXXXXXXX INQUIRY DATE XX/XX/XXXX, XXXX NAME XXXX INQUIRY XXXX. These accounts have resulted in several fraudulent Hard Inquiries, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report and negatively effecting my Consumer scores as well as my financial and personal life. I have attached a copy of FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of Data Breach, 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 2025-09-18 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:
My information was exposed in the Equifax Data Breach and I have several fraudulent and inaccurate information on my credit report. This CFPB complaint has been file to request pursuant to The FCRA 605B ( 15 U.S.C.1681 c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK this information appearing on My Consumer Credit Report, that is a result of Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This fraudulent, inaccurate, and false accounts consist of XXXX XXXX Account XXXX opened on XX/XX/XXXX amount {$4600.00}, account XXXXXXXX XXXX  ACCOUNT NUMBER XXXX opened on XX/XX/XXXX amount of {$6200.00} ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER XXXX OPENED ON XX/XX/XXXX amount {$6100.00} ACCOUNT NAME XXXX XXXX XXXX  ACCT NUMBER XXXX DATE OPENED XX/XX/XXXX amount {$9800.00} Account Name : XXXX XXXX account number XXXX Opened XX/XX/XXXX amount : {$3200.00} Account Name : XXXX Account number XXXX Account Name : XXXX XXXX  account number XXXX opened XX/XX/XXXX amount $ XXXX : XXXX INQUIRY DATE XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRY NAME XXXX XXXX XXXXXXXX INQUIRY DATE XX/XX/XXXX, XXXX NAME XXXX INQUIRY XXXX. These accounts have resulted in several fraudulent Hard Inquiries, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report and negatively effecting my Consumer scores as well as my financial and personal life. I have attached a copy of FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of Data Breach, Identity Theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-18 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:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, 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 2025-09-18 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: TX

Complaint narrative:
I recently checked my credit report and found inaccurate account information reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRIAD FINANCIAL SERVICES, INC.
State: FL

Complaint narrative:
The company approved me for a loan. I lived at this property for years, and once I requested for payoff quote in XX/XX/year>. I also requested from the land owner where the property sat, that I was ready to sell this property. Issues started to arise where my finances were getting damaged, and the way to pay for the property got harder. I lived in this home with my family ( kids under the age XXXX, XXXX  under XXXX ). The agreement between the finance company and me was never finalized or signed by their side. Which i then submitted after getting evicted from the property, because of the contract breach and discrimination against the household. Not to mention, I still own a property on-site where they are hurting the family that is living on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year>, I got email alerts from credit reporting bureaus that XXXX ( via XXXX XXXX  XXXX XXXX pulled my credit report. I then immediately got emails from XXXX saying that my " Fuel Rewards Credit Card '' had been approved, and that a card number had been issued. I immediately put a freeze on all XXXX of my credit bureaus. I then called XXXX XXXX  and told them that I had never applied for this credit card or authorized them to pull my credit. They said they would " do an internal investigation '' and mail me the findings in a month. I was talking to a call center in XXXX ( or so it sounded ), and they were not very helpful and I'm not confident that it is getting handled.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for the American Express XXXX XXXX in XX/XX/XXXX. At the time, the card had a {$690.00} annual fee, and one of the advertised benefits was a {$200.00} annual hotel credit usable through Amex XXXX ( Fine Hotels + Resorts or The Hotel Collection ). This credit was a key reason I chose the card it was part of how I planned to justify the high fee and get value from the card. 

However, in XXXX, American Express increased the annual fee from {$690.00} to {$890.00}, and one of the main changes they made to justify this increase was replacing the {$200.00} annual hotel credit with a {$300.00} biannual hotel credit ( XXXX {$300.00} credits per calendar year ) on XX/XX/XXXX. 

But instead of honoring the original {$200.00} credit for cardholders who had not used it yet, Amex removed the benefit entirely without prior notice. People who used their {$200.00} benefit earlier in the year were able to keep it and also receive the new {$300.00} biannual credit effectively getting both. But people like me, who were waiting to use it later in the year, received nothing. 

I paid the full annual fee ( now {$890.00} ) expecting to receive the benefits that were advertised when I applied. I had not yet used my {$200.00} hotel credit, and now Ive been told it is no longer available to me despite receiving no advance notice, no deadline, and no opportunity to use it before it was removed. Customer service confirmed this and said there was nothing they could do. 

This feels like a clear case of unfair and deceptive marketing. A promised benefit was removed mid-year, after a fee increase, and without equal treatment across cardholders. Those who acted early were rewarded with both benefits ; those who waited were penalized. 

At a minimum, Amex should have provided advance notice and a grace period to use the original benefit. Changing the terms mid-cycle after a fee increase, without equal treatment, is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 dispute the legitimacy of credit entries reflecting accounts not established by me. Kindly perform an exhaustive audit and remove them. Documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing the collection account from Credit Collections that appears on my credit report. This account was originally with XXXX. I had already paid XXXX before the account was ever placed in collections. 

Credit Collections has harassed me about this debt even though they confirmed that my balance was {$0.00}, that the account was paid and closed, and that it should be removed from my credit report. Despite this, they have not provided any receipts, evidence of a balance due, or any signed documentation from me proving that I owed them. 

Because the account was fully paid before collections, and because the agency has admitted that the balance is zero, I believe this entry is inaccurate, harmful, and unjust. I respectfully request that the CFPB assist me in having this collection account completely removed from my credit report with all credit reporting agencies. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX I deposited a check for {$1300.00} into my savings account with Truist Bank. On XX/XX/XXXX I went into a local bank to close my account and receive my balance that has accumulated interest. I was told that I couldn't receive the funds that have been in my name for over 4 years now.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Re : Request for Debt Validation under FDCPA 809 ( b ) Dear Collection Agency, I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ). 
Please provide me with the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges. 
3. A copy of the original signed contract or agreement that makes me legally liable for this debt.

4. Documentation proving you are legally authorized to collect on this account in the State of XXXX. 
5. Verification that this debt has not been paid, discharged, or otherwise invalid. 
Until you provide the above information, you must cease all collection activities, including reporting this debt to any credit bureau. Reporting unverifiable information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not validate this debt, you are required by law to remove it from your records and cease collection efforts immediately. 
This letter is not a refusal to pay but a notice that your claim is disputed. Please be advised that any further communication without providing validation will be documented as harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: MI

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 CREDIT BUREAU - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: VA

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX 2025

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