vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: WI

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed this disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer ACCT : XXXX XXXX XX/XX/year> {$510.00}

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am filing this complaint against I C Solutions due to their failure to provide verification and validation of an alleged debt they are reporting to consumer reporting agencies. On XX/XX/year>, I submitted a written request to I C Solutions for debt validation and verification. My request included a demand for : Verification of ownership of the alleged debt The original contract or agreement bearing my signature A complete itemized accounting of the amount they claim I owe Chain of assignment and documentation showing legal right to collect I C Solutions did not provide any of the requested documentation or proper validation of the alleged debt. Despite this failure to validate the debt, they continue to furnish negative information to the consumer reporting agencies, impacting my credit. Their actions violate multiple federal consumer protection laws : FDCPA 809 ( b ) Collection activity must cease until proper verification is provided FCRA 611 Failure to investigate and provide accurate, verifiable information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report incomplete or inaccurate information As a consumer, I have the legal right to request validation of any debt being collected or furnished. I C Solutions has ignored this request and continues to report unverifiable and unsubstantiated information. I am requesting that the CFPB investigate I C Solutions and require them to either : Provide full and lawful validation of the alleged debt, including documentation proving ownership and accuracy * *, or * * Remove all negative reporting from my consumer reports due to failure to verify the debt. I request that all required documentation and communication be provided to me in writing.

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 2025-12-09 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice of violation and demand for immediate deletion under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

Despite previous disputes, they continue to furnish, verify, and report inaccurate, misleading, and unsubstantiated information on my consumer credit reports. This constitutes clear noncompliance with federal law. 

ACCOUNTS IN VIOLATION XXXX. XXXX XXXX XXXX XXXX XXXX : Apex APTS This account contains multiple material inaccuracies, including but not limited to : Incorrect closed date Incorrect date reported Inconsistent reporting across all three bureaus Failure to provide competent evidence of ownership, assignment, and right to collect You have failed to : Maintain maximum possible accuracy as required under 15 U.S.C. 1681e ( b ) Conduct a lawful and reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ) Furthermore, continued reporting without proper validation constitutes deceptive and false representation under 15 U.S.C. 1692e and 1692f. 

XXXX. XXXX XXXX XXXX This account is reporting materially false, inaccurate, and internally inconsistent data, including : Incorrect account number Incorrect balance Incorrect date reported Incorrect last verified date Other unresolved internal inconsistencies Verifying and furnishing inaccurate information after notice of dispute violates : 15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681s-2 ( b ) Maximum accuracy obligations under 15 U.S.C. 1681e ( b ) Reporting incorrect balances and dates additionally violates 15 U.S.C. 1692e ( 2 ) ( A ), constituting misrepresentation of the character and amount of a debt.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute to TransUnion regarding inaccurate information on my credit report. TransUnion canceled or closed my dispute without providing any written notice, explanation, or request for additional information. 

Under the Fair Credit Reporting Act ( FCRA 611 ), TransUnion is required to notify consumers in writing if a dispute is rejected, deemed frivolous, or closed without investigation. I never received any such notice by mail, email, or through my online account. 

Because TransUnion canceled my dispute without notification, I was denied my legal right to a proper reinvestigation and the ability to respond or submit additional documentation. This is a violation of federal law and an improper handling of my credit dispute.

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 2025-12-09 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: LA

Complaint narrative:
I am filing a complaint regarding inaccurate and harmful information being reported on my credit profile, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Negative information is being furnished to the credit bureaus that is either incomplete, outdated, unverifiable, or does not reflect the true status of the accounts. These inaccuracies are causing significant and unnecessary damage to my credit, interfering with my ability to obtain essential financing such as an auto loan. 

I have attempted to resolve these issues directly, but I have not received proper verification, correction, or removal of the disputed information. Because these items are being reported without full and lawful validation, they are harming my reputation and creditworthiness. 

These inaccuracies amount to negligent and potentially defamatory reporting since they portray me as unreliable to lenders, which is not accurate. Under FCRA, furnishers and bureaus must ensure information is complete, correct, and verifiable which has not been done in my case.

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 2025-12-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing a complaint regarding inaccurate and harmful information being reported on my credit profile, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Negative information is being furnished to the credit bureaus that is either incomplete, outdated, unverifiable, or does not reflect the true status of the accounts. These inaccuracies are causing significant and unnecessary damage to my credit, interfering with my ability to obtain essential financing such as an auto loan. 

I have attempted to resolve these issues directly, but I have not received proper verification, correction, or removal of the disputed information. Because these items are being reported without full and lawful validation, they are harming my reputation and creditworthiness. 

These inaccuracies amount to negligent and potentially defamatory reporting since they portray me as unreliable to lenders, which is not accurate. Under FCRA, furnishers and bureaus must ensure information is complete, correct, and verifiable which has not been done in my case.

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 2025-12-09 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: CA

Complaint narrative:
I am submitting this complaint because Equifax continues to report a fraudulent XXXX XXXX account ( XXXX XXXX XXXX ) on my credit file, despite multiple disputes and my full submission of an FTC Identity Theft Report, Identity Theft Affidavit, and proof of identity. I originally disputed this fraudulent account with Equifax on XX/XX/2025, then again on XX/XX/2025, and issued a Final Notice on XX/XX/2025. Despite having all legally required documentation, Equifax refuses to block or remove this identity-theft-related account as required under FCRA 1681c-2. Equifax has also failed to conduct a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) and continues to retain and re-report fraudulent information in violation of 1681i ( a ) ( 5 ). I have repeatedly requested verification details, including who allegedly verified the account and what documentation was relied upon, yet Equifax has not provided this information. Their refusal to remove identity-theft information has now escalated into willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being filed because the credit XXXX XXXX has returned a response to my previous CFPB dispute claiming that the contested accounts, inquiries, and personal identifying information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act. Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), I am invoking my right to request a Method of Verification for every item the credit reporting agency reported as verified, including : 1. All accounts disputed in the initial CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All addresses, address-identification numbers, prior address references, or non-consumer-provided personal identifiers appearing on the file that are not mine 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 credit reporting agency has not provided any legally sufficient evidence that they contacted the furnisher, nor have they provided any procedure used to reinvestigate the accuracy of the disputed information. The agency did not contact me, did not contact the FTC regarding my identity theft report, and did not verify the authenticity of addresses or address-identification numbers linked to fraudulent accounts. Therefore, the verified response provided by the credit reporting agency is unsupported. Under the law, I have the right to receive : The exact name, address, and telephone number of the furnisher ( s ) of information A detailed description of the procedure used to verify the disputed items The source ( s ) of any address, inquiry, or account information the agency relied upon The method by which the agency verified the identity and address data appearing on my file The agency failed to provide all of the above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
XXXX approved my dispute that the debt wasn't mine, in XXXX, it was opened fraudulently. 
Then springoaks capital bought them and I have been fighting since XXXX, with the about closing it out because the first company who it was supposed with said it wasn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late 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 Balance Owed : {$0.00} Legal Basis : 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX XXXX Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

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 2025-12-09 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: FL

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late 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 Balance Owed : {$0.00} Legal Basis : 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX XXXX Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
Company : XXXX XXXX XXXX Issue : Incorrect Payment Posting / Threat of Repossession Complaint : I am disputing the accuracy of my XXXX XXXX XXXX account. Despite making the following payments, my account shows incorrect balances and I am facing threats of vehicle repossession : {$560.00} paid on XX/XX/2025 {$520.00} paid on XX/XX/2025 These payments were processed through my XXXX XXXX XXXX XXXX account, and I have trace IDs to verify both transactions. 

Despite this, my account has been reported as past due. I have noticed the past-due balance fluctuating from {$2400.00} to {$1700.00} without explanation. This indicates payments are either not being correctly applied or there are internal accounting errors on XXXX side. 

I have contacted XXXX XXXX XXXX to resolve this issue and requested that my payments be properly applied, but the account remains incorrect, and I continue to receive repossession threats. 

Requested Resolution : 1. Immediate correction of my account to accurately reflect all payments made.

2. Removal of any erroneously applied late fees or charges resulting from this error.

3. Written confirmation from XXXX XXXX XXXX that my account is current and that no repossession or further collection action will occur while this matter is under review. 

I am providing bank documentation verifying my payments and expect XXXX to promptly reconcile my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I am filing a complaint against Santander because they are reporting a derogatory auto loan account on my credit report that does not belong to me. This is a case of inaccurate and mixed-file reporting, which is a violation of the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ) for failure to maintain reasonable procedures to ensure maximum possible accuracy, and 1681i for failing to properly investigate disputed information. Santanders inaccurate reporting has caused significant economic harm by lowering my credit score, increasing interest rates on credit products, and preventing me from qualifying for affordable housing and lending opportunities. This has created ongoing financial strain, stress, and hardship.

Company response to consumer: Closed with explanation