vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
I am submitting this complaint against the three major credit bureausXXXX Equifax, and TransUnionXXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX 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 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. '' XXXX XXXX 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/XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, 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 explanation
Consumer complaint received 2025-09-25 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have XXXX unauthorized charges from XXXX and other XXXX  that I have never used I sent chime verification that I did not make this transaction as I have an XXXX XXXX and I just did not make them overall I disputed they denied and I disputed again and they denied again, even after I showed them proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
Concora closed my credit card, in which had a negative effect on my credit score. I have had no derogatory actions on my credit card, no late payments whatsoever. I called Concora regarding this issue in which in summary, they explained they sent out a letter to the wrong address ( I never received anything in the mail from them ) which was asking for me to access a link to upload proof of my ID. 30 days passed, I never got a call or an email sent out regarding this missing letter sent via mail. Then they closed my account, I tried to offer to submit proof of my ID over the phone but they said it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IA

Complaint narrative:
While reviewing my credit reports from XXXX XXXX and TransUnion, I was frustrated and alarmed to see that XXXX XXXX, account ending in XXXXXXXX XXXX XXXX, is being reported as having a late payment on XX/XX/year>XXXX XXXX XXXX, despite the account being paid and current with a past due balance of {$0.00}. This is a clear and verifiable inaccuracy. 

There is no reason for a credit bureau or creditor to report a late payment when there is no delinquency. I have consistently kept this account current, and my own recordsbank statements, payment confirmations, and account statements from XXXX XXXX that there were never missed or late payments. Yet all three credit bureaus are displaying this false information, which undermines the integrity of my credit report and creates the appearance that I was negligent with my financial responsibilities. 

This is not an isolated incident. Over the years, I have had to dispute inaccurate reporting from multiple bureaus and creditors, and I have repeatedly encountered the same pattern : the bureaus claim the information is verified as accurate without ever providing documentation or evidence. This is a clear failure to comply with 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. The duty under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy is also being violated, as reporting a paid and current account as late is literally the opposite of accurate reporting. 

The practical and emotional impact is significant. This false late payment drags down my credit score, misrepresents my financial behavior, and affects my ability to access credit on fair terms. It is humiliating to have to defend myself against inaccurate reporting, especially when I have meticulously maintained my accounts. It is stressful and unjust that my creditworthiness is being undermined by careless 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 non-monetary relief
Consumer complaint received 2025-09-25 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX  AND JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had recently checked my credit score through XXXX XXXX on Capital One app. I was wondering why my credit hadn't increased. When I checked XXXX XXXX it showed that I had a recent inquiry. In which I had not ran my credit in a while because I have been working on my credit. I called Capital One to inform them of this and they had mentioned that my credit was ran early XXXX XXXX. The only thing is that whoever used my identity used my maiden name. I changed my last name when I got married over XXXX  years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is a credit card that was fraudently opened under my name I never applied for this card

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In early XXXX, my credit card account was placed on hold by the issuer to verify my income. I am an international student on an XXXX XXXX  and do not have a XXXX income history for the requested tax years. The company asked me to submit IRS XXXX XXXX for XXXX and XXXX. Since I was not required to file XXXX taxes during those years, I submitted documentation from the IRS showing that the requested tax records could not be retrieved. 

Despite multiple attempts to provide all available documentation, including offers to submit alternative proof such as foreign bank statements, the issuer closed my account. The closure was also attributed to XXXX late payments and XXXX bounced XXXX transactions. These issues were caused by ongoing problems with XXXX XXXX XXXX XXXX account, which are already under review and reported to CFPB. I promptly paid any late fees, but due to circumstances beyond my control, one additional payment recently bounced while the resolution process is ongoing. 

Since the closure, I have not been given an opportunity to resolve the account issues or reinstate the account. This action has significantly impacted my credit history, and the company has not adequately considered my status as an international student or my financial situation. 

I am seeking assistance to have my account reinstated or a fair resolution to rebuild my credit, and for the company to accept alternative verification documentation appropriate for my circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
SUSPECTED FRAUD ACTIVITY XX/XX/year> Bank Of America is reporting on my credit suspected fraud and that I opened an account with them and Ive never opened an account with them. At the moment Im unable to get open any accounts due to being denied by every bank. Ive never opened up an account with Bank of America I didnt have any recollection of this information until I seen my consumer report through XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 seven years.

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.

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 2025-09-25 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
On XX/XX/year> signed purchase and sales agreement with XXXX XXXX located in XXXX XXXX  for {$56000.00} n never saw or received bank documents on XX/XX/year> when we paid {$19000.00} in bank check. XXXX XXXX forged our signatures on bank documents inflatting loan to almost {$90000.00}. I immediately notified M & T Bank of fraudulent activity, and was instructed not to pay on loan due to investigation. I asked for the loan to be rescinded on XX/XX/year>. I paid {$600.00} XXXX XX/XX/year> which went towards interest instead of principal, and argued that the loan was illegally inflated to almost {$90000.00} minus our {$20000.00} down payment. We gave XXXX XXXX XXXX XXXX XXXX  {$1000.00} on XX/XX/year> XXXX was instructed to bring {$19000.00} on XX/XX/year>. On XX/XX/year> we ( my wife n I ) met with XXXX XXXX the finance manager n turned down all extra add ons, but all add ons were added to loan with fraudulent signatures of my wife and I. XXXX XXXX paid almost {$14000.00} to remove fraudulent contracts for extended services, but M & T Bank refuses to rescind loan due to fraudulent signatures.

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 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: WV

Complaint narrative:
I am XXXX month behind the same month I was behind I paid {$59.00} as they requested for a payment arrangement. The rest of it was supposed to be paid {$50.00} plus the original payment at {$250.00} every month until I got paid offthey sent me a letter stating that they are trying to repossess my vehicle and I still have not got the arrangement done yet I have been paying on it, but they are not allowing me to have a payment arrangement letter stating that I am still paying on the payment. Ive been paying every month {$300.00}. I still owe XXXX because they are adding late charges to me. They are harassing me with calls and now they sent me a repossession letter stating that they can repossess my vehicle at any time when I am not late on the payment arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: NY

Complaint narrative:
I originally had a loan with XXXX. Earlier this year, XXXX  either became SST, send my debt to SST and/or SST became my new creditor. I saw a missed payment alert from XXXX  for XX/XX/year> which prompted me to check my score and I learned I now had to make my payments to SST and no longer to XXXX. When confronted to remove the credit ding for missed payment, XXXX XXXX XXXX confirmed over a recorded telephone call that they had an old address for me and this was the reason they couldn't inform me about XXXX being the new creditor where my payments should go to. As such, XXXX XXXX acknowledged their error and confirmed the missed payment will be removed from my credit. Now, they have not removed it and are not willing to provide information as to why. After I tried to reach XXXX XXXX once more to see about the promised removal, I got a XXXX XXXX XXXX, and she was very unhelpful with the reason why they no longer are accepting responsibility. 
I have never missed a payment with any creditor until SST/XXXX  failed to inform me about the change that caused the one missed payment in my entire credit history. 
Their error should be reviewed and my credit restored to its XXXX score. 
I will attached my credit report proving that I have never missed a payment in my entire history and SST/XXXX  's error has caused this missed payment.

Company response to consumer: Closed with explanation