vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
Violations are : Permissible Purpose : 15 USC 1681b ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 The presence of the inaccuracy due to XXXX  and XXXX  Bank Data Breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted agencies to assist me with this matter because the information is fraudulent, the accounts below were not agreed upon. I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy. I am requesting for the third time that the fraudulent information be deleted : A. XXXX XXXX Opened XXXX {$740.00} B. XXXX XXXX XXXX Opened XXXX/Bal {$690.00} XXXX XXXX XXXX XXXX Discount / Opened XX/XX/year> /Bal {$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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: PA

Complaint narrative:
I am submitting a follow-up regarding my prior complaint CFPB Complaint Number : XXXX about my BMG Money account BMG Money responded to my previous complaint on XX/XX/year> and confirmed in writing that I was only 3 times late on this account. Despite this, BMG Money continues to report the account as charged off and up to 120 days late to TransUnion, which is inaccurate and unverifiable. BMG Money can not provide proof of any reported late payments beyond the confirmed 3 days. Therefore, I request that CFPB intervene and require : 1. Immediate deletion of all unverifiable late payments reported by BMG Money. 2. Immediate deletion of the charge-off reported by BMG Money . 3. Written confirmation that both BMG Money and XXXX  have corrected their reporting and removed all unverifiable late payments and the charge-off. Reporting unverifiable late payments and a charge-off violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Duties of furnishers to investigate disputed information 15 U.S.C. 1681s-2 ( b ) Duties of furnishers to provide accurate information to credit reporting agencies 15 U.S.C. 1681e ( b ) Duty of credit reporting agencies to maintain accurate reporting This reporting violates the Fair Credit Reporting Act ( FCRA 609, 611, 623 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
I checked my latest credit report and noticed multiple accounts that do not belong to me reporting fraudulent under me. These accounts are not mine and need do be removed

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 2025-09-30 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: IL

Complaint narrative:
I checked my latest credit report and noticed multiple accounts that do not belong to me reporting fraudulent under me. These accounts are not mine and need do be removed

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 2025-09-30 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: PNC Bank N.A.
State: PA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my account with PNC BANK NA ( Account No. XXXX ), which was opened on XX/XX/XXXX. Upon reviewing my credit report, I noticed discrepancies regarding this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

The account in question is reported as a closed revolving account, with a 30-day late payment listed for XX/XX/XXXX. Since XX/XX/XXXX has already passed, this late payment entry is inaccurate. I dispute the validity of this entry and request that it be corrected to reflect the true payment history for this account. 

This inaccuracy is adversely affecting my credit score and could mislead potential creditors and lenders. Under the Fair Credit Reporting Act ( FCRA ), PNC BANK NA as a data furnisher is required to report accurate information to the credit bureaus. Specifically, under Section 1681s-2 ( a ), you are legally obligated to ensure the accuracy of all data provided to credit reporting agencies. 

Additionally, under Pennsylvania 's Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), creditors and data furnishers are prohibited from engaging in unfair or deceptive practices, including the reporting of incorrect or misleading information. The inclusion of an inaccurate late payment is a violation of these protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NC

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I visited my dentist 's office ( XXXX XXXX XXXX XXXX in XXXX XXXX, NV ) I was told my insurance would fully cover my dental procedure. Without my knowledge or permission, the dental office submitted my personal information to Comenity Bank/XXXX XXXX XXXX resulting in the opening of a credit card account in my name with a {$6600.00} limit. I never requested or applied for this card, nor did I authorize XXXX or the dental office to open this account. 
This was presented as routine paperwork for insurance billing, but buried within was authorization language that was not explained to me. I signed under duress while leaving, without being told this would result in a new credit account. This constitutes deceptive and unauthorized use of my information.This is not the first time this dental office misled me, earlier in XX/XX/year> the same dental office caused another unauthorized third-party account through XXXX Bank XXXX which I am currently disputing. This pattern of deceptive financial practices is harming my credit, and needs to be immediately corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have requested a list of information from this company and I have yet to receive the documents. Please see attached.

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 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a debt that is being reported on my credit file. I recently discovered an account being listed on my credit report that I do not recognize, and for which no proof has been provided to validate that the debt is mine.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting the following : Verification of the debt including a full itemization, the original creditor 's name, and the legal documentation showing that I am responsible for this debt. 

Proof that the current creditor has legal right to collect this debt, especially if the debt has been sold or transferred. 

If such verification can not be provided, I request that the account be immediately removed from all consumer reporting agencies and that this matter be marked as resolved. 

I am exercising my right under federal law to dispute this debt. Reporting any unverified or inaccurate debt is a violation of the FCRA and could result in further action. 

Please investigate this matter promptly. I am requesting written confirmation of your investigation and its outcome. Until you have fully verified the debt, this item must be marked as in dispute on my credit file. 

Attached are copies of my identification and current credit report highlighting the disputed account. 

Thank you for your prompt attention to this matter.

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 2025-09-30 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: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
I applied for and was approved for the XXXX  Credit Card on XX/XX/year>, using a referral link provided by a friend. Under the promotion, both the referring customer and the new applicant were supposed to receive a {$50.00} reward in Bitcoin. My friend received their reward, but I did not. 

Since then, I have sent more than a dozen emails to XXXX  asking for assistance and resolution. To date, I have received no response and no credit of the referral reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 2025-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: CA

Complaint narrative:
DEAR SIR AND MADAM, on XX/XX/XXXX and it was on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i had XXXX car lease with XXXX XXXX  XXXX under my name for my son and XXXX under my wifes name for me, after XXXX XXXX was informed with my hardship they requested from me to provide them XXXX  letter showing my condition to enroll me in early termination on both leases. so i did XX/XX/XXXX i returned both cars my self with the help of my son and freind to XXXXXXXX XXXX XXXX XXXXXXXX. then XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX contacted me and laid out short term of repayment plan, i was clear with him requesting longer time to pay so its lower payment, all he offerd 36 month to pay back {$18000.00} close to {$500.00} per month, again i was clear thats to high of a payment for me specialy i had XXXX income, again he offered delay payment plan starting XX/XX/XXXX but never changed his plan from 36 month to longer term or reduced amount, XXXX report shows the accounts so i disputed both accounts on experien providing them the paid off letter from audi financial services under this is not my account it belong to my husband so experien changed the status to close paid in full never late, and they granted me the decision, THEN XXXX XXXX sent us to collection agency by the name XXXX XXXX XXXX, I RIGHT AWAY REPLIYED TO THEM PROVIDING THEM ALL THE AVIDENCE WICH I WILL PROVIDE TO YOUR OFFICE, i also emaild you XXXX the same when i repliyed to XXXX XXXX they should not be involved DUE TO THIS ACCOUNT IS CLOSED AND PAID IN FULL. i will provid you all document to XXXX XXXX XXXXrt my case, according to XXXX XXXX requested my reply to be soon as i got their letter and i complied with my reply to them, EMAILS, AND MAILLING THEM THE SAME DOCUMENT SO THEY STOP THE COLLECTION AS THEY STAYTED IN THEIR LETTER. NOTE MY WIFE WAS NEVER EVER PART OF THIS ARRANGEMENT WHAT SO EVER XXXX SHE IS AWAR OF IT, SORRY TO SAY THIS WAS SRTICLY XXXX SIDE AGRREMENT TO XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was scammed on XX/XX/year> I sent {$300.00} to pay for a XXXX XXXXXXXX XXXX the shipper never shipped my item and I reached out to the shipper and he wouldnt respond so I reached out the the bank and they denied my claim Also I submitted a claim to FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I was contacted by Javitch Block for a few debts that I have. I paid off XXXX and I am in a payment arrangement for the last one. Their representatives are the most unprofessional group of people. Very rude and not knowledgeable at all in debt collection practices! XXXX and XXXX XXXX are the XXXX that typically answer the phone. XXXX XXXX sounds like she's 1 cigarette away from XXXX and XXXX is just nasty!

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 2025-09-30 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: MT

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, XXXX, and TransUnionfor 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 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX  Account Number 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