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: TX

Complaint narrative:
I am filing this complaint because all three major credit reporting agenciesEquifax, XXXX, and XXXXXXXXcontinue to report a late payment on my XXXX XXXX XXXX Bank account, account number XXXXXXXX XXXX XXXX XXXX XXXX, activity date XX/XX/year>. This account is fully paid, with a XXXX past due balance, yet each bureau continues to reflect it inaccurately as late. This persistent error is severely damaging my credit scores, my ability to obtain favorable financing, and my overall financial reputation. 

Under 15 U.S.C. 1681e ( b ), all credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting a false late payment on a fully satisfied account is a clear violation of this statutory requirement. Furthermore, under 15 U.S.C. 1681i, the agencies are required to conduct a reasonable reinvestigation of any disputed information. Despite my repeated disputes and provision of documentation confirming the accounts fully paid status, none of the three bureaus have corrected this error. Each has simply continued to perpetuate inaccurate reporting, which is unacceptable under federal law. 

The continued reporting of this inaccuracy has caused tangible financial harm. I have been denied credit opportunities and offered less favorable loan terms solely because these false late payments appear on my reports. For example, when applying for a recent personal loan, the lender referenced my credit report and indicated these negative items as the reason for a higher interest rate. The financial impact is substantial, and the emotional toll has been extreme : I have been forced to repeatedly dispute an error that should have been corrected long ago, leaving me frustrated, stressed, and burdened with unnecessary financial uncertainty. 

The continued failure of Equifax, XXXX, and XXXX  to correct this inaccuracy constitutes noncompliance with 15 U.S.C. 1681n, which establishes civil liability for willful violations of the FCRA, as well as 1681o, which establishes liability for negligent noncompliance. The law is clear : if a reporting agency can not substantiate the accuracy of the information, it must remove it from the consumer report. Maintaining this false late payment despite my disputes is a direct violation of my rights under the FCRA.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Cfpb statement : It has come to my attention that my personal information has been exposed in a National Data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however that information has not been provided. Due to my information being exposed I have also submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a formal dispute regarding fraudulent accounts that appear on my credit report. I had no involvement in creating or authorizing these accounts, and their inclusion is false and harmful. Their presence misrepresents my financial history and negatively affects my creditworthiness.

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: SC

Complaint narrative:
Cfpb statement : It has come to my attention that my personal information has been exposed in a National Data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however that information has not been provided. Due to my information being exposed I have also submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a validation of debt letter

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 2025-09-18 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: CA

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 -- - Opened : XX/XX/XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
I received an account closure notice from Gemini on XX/XX/XXXX, stating I had 5 days to withdraw my funds to a linked bank account. despite multiple verified attempts to link a account, Gemini 's system shows no linked accounts and prevents me from linking new ones. the restriction they placed on my account prevents me from transferring my digital assets they must be sold and transferred as fiat currency. I have been trying to access my funds for several months with no success. I've requested that Gemini enable a withdrawal methos or provide a manual wire transfer

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: TX

Complaint narrative:
I am a victim of identity theft. The XXXX XXXX account XXXX, does not belong to me. 

Between XX/XX/XXXX and XX/XX/XXXX, I submitted the following to XXXX XXXX : Correspondence letters Government-issued photo ID Proof of residence FTC Identity Theft Report ( pursuant to FCRA 605B ) Data Breach Letters Despite these submissions, XXXX XXXX XXXX XXXX block this fraudulent tradeline from my credit reports as required by FCRA 605B. They continue to report the account as a valid charge-off and have merely marked it in dispute. 

This is noncompliance with federal law. FCRA 605B requires blocking of all credit reporting of a fraudulent account within 4 business days after receipt of a properly completed Identity Theft Report. Merely flagging the account as disputed does not satisfy this obligation. 

XXXX XXXX actions have caused continuing harm to my credit reputation, and they have failed to cease collection or provide verification as required by FDCPA 1692g ( b ) and the Fair Credit Billing Act ( FCBA ).

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 2025-09-18 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 am a XXXX XXXX XXXX XXXX. The XXXX XXXX account XXXX, does not belong to me. 

Between XX/XX/XXXX and XX/XX/XXXX, I submitted the following to XXXX XXXX : Correspondence letters Government-issued photo ID Proof of residence FTC Identity Theft Report ( pursuant to FCRA 605B ) Data Breach Letters Despite these submissions, XXXX XXXX refuses to block this fraudulent tradeline from my credit reports as required by FCRA 605B. They continue to report the account as a valid charge-off and have merely marked it in dispute. 

This is noncompliance with federal law. FCRA 605B requires blocking of all credit reporting of a fraudulent account within 4 business days after receipt of a properly completed Identity Theft Report. Merely flagging the account as disputed does not satisfy this obligation. 

XXXX XXXX actions have caused continuing harm to my credit reputation, and they have failed to cease collection or provide verification as required by FDCPA 1692g ( b ) and the Fair Credit Billing Act ( XXXX ).

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: CA

Complaint narrative:
Despite my efforts, the inaccurate accounts continue to remain on my credit reports, and this has left me feeling helpless and distressed. I urgently request that the attached documents be thoroughly examined so I can stop living under this constant burden.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL SOLUTION BIZ LLC.
State: GA

Complaint narrative:
Company misled me about a debt I owed and convinced me to pay them monthly {$500.00}. After 11 months of payments I started to feel uneasy when the company sent a text message about a discount. When I reached out to the company to verify their responses caused me to ask them to verify the actual debt, which they have not done since I requested on XX/XX/year>. In this past month after on XX/XX/XXXX referring them to my attorney, the company has reached out to me, my parents and some extended family members. all I asked was for them to verify the debt. The name of the company is global solutions biz

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: VA

Complaint narrative:
LMMINC is falsely reporting on my credit. I have never had any accounts with them. Per my research LMMINC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 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 submitting this complaint against the three major credit bureausExperian, XXXX, and XXXXfor 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  Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$310.00} Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, 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 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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I had previously called on XX/XX/XXXX to inquire about my receipt of a paid debt in full to my address, along with any other legal documents I may need. They told me it would take 5 business days. I confirmed with them my address to send the receipt. I then on XX/XX/XXXX called to inquire about where that information was and if the letter had been mailed to me. I was told they sent it to a previous address instead of XXXX XXXX XXXX, XXXX, TX XXXX. The mail ended up being returned. The XXXX XXXX address is the address that they had been sending me letters to regarding when they would be taking money out of my account, as agreed to. As I was trying to get them the letter as I requested, the agent laughed at me and then said that she will try to get it mailed out today. That is unacceptable, as the amount was paid, and they had the correct address on file that they should've mailed it to. I believe they should priority mail the reciept to me as I have done all of my fidicuary responsibilites.

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: 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: AL

Complaint narrative:
I previously submitted a complaint to the CFPB against TransUnion regarding inaccurate information being reported on my consumer credit file. In response, TransUnion provided only a vague and generalized statement, without addressing or correcting the specific issues I raised. Stated " XXXX-ACTIVE DISPUTE ( 4 ) '' TransUnions response did not : Identify the steps taken to investigate my dispute, Provide verification or documentation from the original creditor, Correct or explain the discrepancies I highlighted, or Demonstrate compliance with its duties under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable reinvestigation of disputed information.

Instead, the response appears to be a generic, canned reply designed to close out complaints without resolving the underlying problem. This practice deprives me of my rights under the FCRA and leaves inaccurate or unverifiable information on my report. 

I respectfully request that the CFPB require TransUnion to : Conduct a reasonable reinvestigation of my dispute, Provide specific documentation verifying the accuracy of the information they continue to report, and Cease reporting any information that can not be properly verified.

TransUnions vague response is insufficient and demonstrates a failure to comply with the FCRA. I am requesting regulatory intervention to ensure they perform their statutory obligations and provide a meaningful response to my 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I'm trying to transfer money out of Robinhood to XXXX for XXXX. However, robinhood placed a restriction for me to transfer money for no reason.

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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX  XXXX, XXXX ) and ( XXXX XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, a consumer 's credit file XXXX only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

Additionally, under FCRA XXXX XXXX XXXX XXXX XXXXXXXX ), when a consumer submits a report to the Federal Trade Commission XXXX FTC ) identifying disputed information, the credit reporting agency must block that information within XXXX ( XXXX ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, Experian continues to report the account and the inquiries, causing ongoing harm. 

Experian has also failed to meet its obligations under FCRA XXXX ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my XXXX XXXX has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an accoun
t without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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