vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: GA

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 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Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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 ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am demanding proof of lawful authority and consent for [ Equifax/Experian/TransUnion/XXXX ] to obtain , maintain , and share my personal information. I have never signed a contract, agreement, or other document granting this company the right to collect, use, or distribute my name, Social Security number, or related identifying information. 

I am requesting that the company provide : 1. The lawful authority under which they claim the right to use my personal data.

2. The original agreement or contract bearing my signature that authorizes them to do so.

3. The parties or sources from which they acquired my personal information.

If such proof does not exist, their actions amount to unauthorized and unlawful use of my information and may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2025-09-10 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am disputing the inaccurate reporting of an alleged account associated with XXXX XXXX XXXX that appears on my personal consumer credit file. The account is being reported improperly the balance from what was previously reported to IRS was {$20000.00} but whats listed on the consumer credit report to XXXX  is $ XXXXAlso for the following reasons these listed reasons : 1. Incorrect Party The obligation belongs to another legal entity ( XXXX XXXX XXXX XXXX ), not me as a consumer. Reporting this commercial obligation under my personal consumer file is both inaccurate and misleading. 
2. Debt Canceled via IRS 1099-C XXXX has already issued an IRS Form 1099-C ( Cancellation of Debt ) to that entity, confirming the cancellation and discharge of the obligation. Once a 1099-C is filed, the debt is extinguished and can not be pursued or reported as collectible. 
3. Court Dismissal A court of competent jurisdiction has issued a dismissal of this debt, which bars further claims of liability. Reporting it against me personally contradicts the courts judgment and is legally impermissible. 
4. XXXX XXXX Compliance Violations Under the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Format guidelines, furnishers are required to provide accurate account-level details. XXXX has failed to comply with these mandatory fields : o Account Type ( XXXX XXXX ) This obligation is a commercial account and should not be reported as a consumer installment/lease obligation. 
o Consumer Account Number ( XXXX XXXX ) Reporting this obligation under my personal identifiers violates XXXX XXXX rules requiring accurate assignment. 
o ECOA Code ( XXXX XXXX ) If the account belonged to a corporation, it should not be coded as XXXX Individual liability. 
o Compliance Condition Code ( Field XXXX ) Since a 1099-C was issued, the correct code is XXXX No longer liable for repayment or DA Delete entire account. Reporting it as active/charged-off is a material misrepresentation. 
XXXX XXXX XXXX XXXX v. United States, XXXX XXXX XXXX ( XXXX ) once an obligation has been extinguished, it can not be further enforced. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs and furnishers must ensure maximum possible accuracy under the FCRA. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) knowingly reporting false or misleading credit information creates liability under the FCRA. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirms that once a debt is canceled, collection or misreporting violates consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act

( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not b
e any late payments reported. 
Account in Question : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX Account Number : XXXX - Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX  Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX  Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX Account Number : XXXX - Reported Late Payments : XX/XX/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 non-monetary relief
Consumer complaint received 2025-09-10 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:
As per 15usc 1611 Experian XXXX  and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of XXXX XXXX XXXX. ( XXXX ) it is likewise publicizing to certain installment. Which is illicit. XXXX requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Velocity Portfolio Group
State: OR

Complaint narrative:
Velocity investments has passed this debt off to a third collector now, who is threatening litigation. Neither Velocity Investments or their collectors have been able to provide proof of ownership of the debt. They only provide representative documents that claim to show ownership while claiming that these documents are sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: PA

Complaint narrative:
PLEASE UPDATE THE FRAUDULENT LATE PAYMENT THAT WAS APPLIED ON MY XXXX XXXX CREDIT CARD ACCOUNT DUE TO UNAUTHORIZED ACCESS TO MY PERSONAL INFORMATION. IMMEDIATE CORRECTION NEEDS TO BE MADE.PLEASE REMOVE ALL ACCOUNTS MY INFORMATION WAS EXPOSED IN A DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT. THE FOLLOWING ACCOUNTS ARE UNAUTHORIZED XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I received American Gift Cards as a gift. However, I have been unable to use these cards anywhere because they are not tied to a billing address. As a result, merchants consistently decline them during checkout. The cards are advertised and sold as usable payment instruments, but in reality, they can not function as such without disclosures that were never provided to me or the purchaser. 

This practice is unfair and deceptive. It misleads consumers into believing they are purchasing a usable product, while in fact the product is defective and unusable for its intended purpose. I have suffered direct financial harm by being left with gift cards that hold no actual value.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 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: UT

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

1681c2 ) that you, the Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

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 : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, XXXX as proof from the US 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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
In XX/XX/XXXXXXXX XXXX  I bought a XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX I lost my job a year ago and didnt have a lot of money but needed a large vehicle for my XXXX XXXX XXXX. I put {$4000.00} down. I was given an insanely high rate but told I could refinance in 6-12 months to lower the payment and note. One year later, I contacted Santander Bank, who owns the loan, to speak to an agent about lowering my payment. The guy told me the vehicle is not eligible based on the year to depreciation rate meaning I'm stuck with this vehicle for 6 years at {$780.00} a month. I called numerous lending agencies and they all said the same. Three years later, we are still faithfully making payments for a vehicle thats worth half of what we owe. I feel as if we were bamboozled and deceived for unethical lending. Needing assistance me in getting out this loan or at least lowering my interest so I can use this money towards my kids needs and not a deprecated vehicle. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 am victim of identify theft. After reviewing my credit report i noticed there is fraudulent items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am victim of identify theft. After reviewing my credit report i noticed there is fraudulent items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy. 
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation