vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I affirm that the inaccurate late payment remarks on my accounts represent a violation of 15 USC 1666. I have always made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted disputes to TransUnion regarding accounts that do not belong to me. These accounts are fraudulent and the result of identity theft. With my disputes, I provided an official Identity Theft Report as supporting evidence. Despite this, TransUnion has continued to report the disputed accounts, which shows that my disputes were not properly investigated and my rights under the FCRA were ignored.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To ensure fairness as a consumer, I am demanding that you immediately delete and update my credit report to correct the inaccurate information I have already brought to your attention. Despite my prior notices, you continue to report false information, which has resulted in multiple denials and significant emotional distress. I will no longer tolerate these violations, and if this matter is not resolved promptly, I will have no choice but to pursue legal action.

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 2025-09-09 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:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

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 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> National Credit System XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Formal Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g To Whom It May Concern, I am writing in response to your reporting of an alleged debt on my credit report related to account number XXXX, with the original creditor listed as XXXX XXXX XXXX  XXXX XXXX XXXX, and a reported balance of {$13000.00}. 

This letter serves as a formal request for validation and verification of this alleged debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following : Full validation of the debt, including a breakdown of the balance, fees, interest, and how the total of {$13000.00} was calculated ; The name and address of the original creditor, and a complete payment history on the account ; A copy of the original signed lease or contract with XXXX XXXX XXXX XXXX XXXX XXXX that legally obligates me to this debt ; Proof that National Credit System is licensed and authorized to collect debts in the state of XXXX, including license and registration numbers ; Proof that this alleged debt is not time-barred by the applicable statute of limitations in XXXX  ; Evidence of your legal ownership or assignment of the debt, including the chain of custody from the original creditor to your agency. 

Until the above documentation is provided : You must cease all collection activity, including phone calls, letters, emails, or any form of contact ; You must not report or continue to report this account to any credit bureau, in accordance with the Fair Credit Reporting Act ( FCRA ) ; You must not transfer or sell this alleged debt to any other collection agency or third party. 

This is a formal dispute of the alleged debt. I do not acknowledge or accept any responsibility or liability for this account, and no payment will be made unless proper and complete validation is provided. If you can not verify this debt, you are legally obligated to delete this account from all credit reports and cease any further collection actions. 

Please respond in writing only and send all requested documentation to the mailing address listed above. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-09-09 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 XXXX industry standards. 

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

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

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

XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX 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 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 2025-09-09 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 have send letter off for a proper investigation i didnt received any response i ask for Method of vertification no response then i see update and verified DIDNT response to method of verification

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 2025-09-09 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: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX  XXXX for furnishing materially inaccurate information to the credit reporting agencies and failing to conduct a proper investigation in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

On XX/XX/year>XXXX XXXX XXXX XXXXXXXX issued me a letter stating that the account details they reported were accurate and that my dispute was resolved. However, my XX/XX/year> XXXX report clearly shows conflicting balances being reported across the credit bureaus for the same account : XXXX  : {$2900.00} XXXX  : {$2900.00} Experian : {$1400.00} This proves that XXXX XXXX XXXXXXXX is reporting inconsistent and inaccurate information. Their written claim that the account is accurate is demonstrably false. 

XXXX XXXX XXXXXXXX failure to properly investigate has resulted in inaccurate reporting, lowered my credit score, and caused damages. 

I am requesting that this tradeline not be deleted, but that XXXX XXXX XXXXXXXX immediately update and correct the balances and account details so that all three bureaus reflect the accurate information consistently within 48 hrs.

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 2025-09-09 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: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXXXXXX for furnishing materially inaccurate information to the credit reporting agencies and failing to conduct a proper investigation in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX issued me a letter stating that the account details they reported were accurate and that my dispute was resolved. However, my XX/XX/year> XXXX report clearly shows conflicting balances being reported across the credit bureaus for the same account : TransUnion : {$2900.00} XXXX  : {$2900.00} XXXX  : {$1400.00} This proves that XXXX XXXX XXXXXXXX is reporting inconsistent and inaccurate information. Their written claim that the account is accurate is demonstrably false. 

XXXX XXXX XXXXXXXX failure to properly investigate has resulted in inaccurate reporting, lowered my credit score, and caused damages. 

I am requesting that this tradeline not be deleted, but that XXXX XXXX XXXX immediately update and correct the balances and account details so that all three bureaus reflect the accurate information consistently within 48 hrs.

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 2025-09-09 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: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXXXXXX for furnishing materially inaccurate information to the credit reporting agencies and failing to conduct a proper investigation in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXXXXXX issued me a letter stating that the account details they reported were accurate and that my dispute was resolved. However, my XX/XX/year> XXXX report clearly shows conflicting balances being reported across the credit bureaus for the same account : XXXX  : {$2900.00} Equifax : {$2900.00} XXXX  : {$1400.00} This proves that XXXX XXXX XXXXXXXX is reporting inconsistent and inaccurate information. Their written claim that the account is accurate is demonstrably false. 

XXXX XXXXXXXX XXXX failure to properly investigate has resulted in inaccurate reporting, lowered my credit score, and caused damages. 

I am requesting that this tradeline not be deleted, but that XXXX XXXX XXXXXXXX immediately update and correct the balances and account details so that all three bureaus reflect the accurate information consistently within 48 hrs.

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

Complaint narrative:
T

he 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 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: TX

Complaint narrative:
T

he 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
Subject : Disputed Claim from XXXX XXXX XXXX Over a month ago, I received a letter from XXXX XXXX XXXX  claiming I owed {$67.00} for a transaction related to XXXX XXXX. I promptly contacted XXXX and requested a copy of the bill or documentation supporting this claim. To date, I have not received any such information. 

Today, I received a second letter demanding payment, which now includes a {$25.00} returned item fee. I would like to clarify that I do not have an XXXX account, and for any purchases made through XXXX, payment is always processed at the time of purchase. If payment is not completed, the product is not shippedplain and simple. 

Given these facts, I am requested confirmation from XXXX regarding the validity of this claim. Is this a legitimate charge associated with their platform, or is this a fraudulent attempt?

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing a complaint against Capital One Bank regarding inaccurate, incomplete, and unlawful credit reporting. The issues involve one account that Capital One continues to furnish under my name. 
The account in question is # XXXX with a reported charge-off balance of {$510.00}. The account shows a {$300.00} credit limit, yet the balance was reported as {$510.00} at charge-off. Unless Capital One provides full itemized accounting, this balance appears inflated by fees and penalties and is misleading. More importantly, Capital One is reporting a past due balance of {$510.00} on an account that has already been charged off. Once an account is charged off, it can not continue to reflect a past due balance. This practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681s-2 ( b ), which requires furnishers to correct inaccurate data after a dispute. 
The balance history also shows inconsistent changes while reporting {$0.00} payments, raising questions about whether payments were properly credited. A charge-off also means Capital One treated this receivable as a loss for tax purposes. If deductions were claimed, Capital One must reconcile that treatment with its continued reporting of the account as collectible. 
Capital One Bank also securitizes credit card receivables into asset-backed trusts. If this account was included in such a transaction, Capital One has already received compensation. Continuing to report it as an unpaid consumer liability is deceptive and violates the accuracy requirements of FCRA 1681e ( b ).

I request Capital One Bank to provide full itemized accounting of all balances, fees, and charges, provide proof of the tax treatment of this account, confirm whether this account was securitized, and correct or delete the inaccurate tradeline furnished to XXXX, XXXX, and XXXX. If Capital One can not prove the accuracy of this tradeline with proper documentation, you must delete it. Continuing to report unverifiable or inaccurate information after notice of this dispute will be a violation of the Fair Credit Reporting Act, and it will subject you to liability under 15 USC 1681n and 1681o. Cease and Desist all efforts of collection until you have provided me with all documents requested.

Company response to consumer: Closed with non-monetary relief