vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2025-10-10 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-10 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: ME

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
Loan officer falsely submitted loan online in my name for XXXX. This impacted my credit score negatively. I spoke with manager who said it was a miscommunication but I never told anyone any information to submit a loan.

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

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX 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 XXXX XXXX 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 XXXX XXXX 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 XX/XX/XXXX, XXXX XX/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 2025-10-10 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: NC

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 explanation
Consumer complaint received 2025-10-10 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: VA

Complaint narrative:
I assert that the incorrect late payment notations on my accounts are in breach of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are 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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the incorrect late payment notations on my accounts are in breach of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are unfair and unlawful.

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

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting TransUnion. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-10-10 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: NC

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 2025-10-10 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: Incomm Holdings Inc.
State: TX

Complaint narrative:
The card I bought from XXXX XXXX and when I tried to purchase from XXXX XXXX, transaction was declined, and then they closed the car because it was compromised and they told me they would send me a replacement card. By XXXX and expedite it. I never received anything so I call back and still nothing. I call for the XXXX time and they say they are going to send a replacement again. I keep getting the runaround it feels like it. I purchase the XXXX dollars on this card so my daughter can buy pants form XXXX XXXX. Never again will I buy them cards. I purchased this XX/XX/year>. And they are still saying they sent out a replacement and even after I tell them I havent received anything. After failed attempts they are not trying to resolve this issue. It seems that they are not truthful because I would have received it if they sent it. It not possible for XXXX failed attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-10-10 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 explanation
Consumer complaint received 2025-10-10 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-10-10 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Investigation Violation of FCRA To Whom It May Concern, I am writing to formally dispute the reporting of an incorrect address on my credit file. I have previously submitted a valid government-issued drivers license and other supporting documentation verifying my correct address. Despite this, Experian has refused to investigate or correct the inaccurate information. 

This refusal constitutes a willful noncompliance and negligent violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their file. 

Your failure to investigate or correct the disputed address is not only a violation of federal law but also exposes Experian to liability under the following case law precedents : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court held that a credit reporting agency must go beyond a superficial investigation and conduct a reasonable reinvestigation when a consumer disputes information. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinforces that failure to conduct a reasonable investigation can result in liability under the FCRA. 
XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX. XXXX, XXXX ) Found that failure to investigate a consumers dispute after receiving proper documentation constituted willful noncompliance. 
I am demanding that Experian immediately : Conduct a full and reasonable investigation into the disputed address.

Remove the incorrect address from my credit file.

Provide written confirmation of the results of your investigation within the time frame required by law. 
If Experian continues to ignore its legal obligations, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights under the FCRA. 

Sincerely, 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 2025-10-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-10 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Subject : Debt Collector Harassment and Unauthorized Collection Attempt Complaint Summary : I am filing this complaint regarding XXXX XXXX XXXX. An arrangement was made with them for a payment on my account. During our conversation, I clearly explained that the date they suggested was not appropriate and requested that the payment be scheduled for the XXXX instead. Despite this, XXXX XXXX XXXX attempted to collect the payment earlier than the agreed date. 
When I called back to address the issue and to confirm that the payment should only be taken out on the XXXX, the representative was uncooperative and threatened to garish my wages if I did not comply with their terms. This conduct was intimidating, unprofessional, and in violation of fair debt collection practices. 
I am requesting that the CFPB review this matter to ensure XXXX XXXX XXXX cease any unauthorized collection attempts and refrain from using threats coercion. I also request written confirmation that no garnish will take place and that any further communication be handled respectfully and in compliance with the Fair Debt Collection Practices Act. 
Requested Resolution : Stop any unauthorized payment attempts before the XXXX Provide written confirmation of the agreed payment arrangement Cease all threats of Wage garnishment. 
Ensure future communication follow FDCPA guidelines.

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

Complaint narrative:
b'I am writing to formally dispute certain items on my credit report that I believe may have \nbeen compromised as a result of the data breach affecting TransUnion. As a victim of \nthis breach, my personal and financial information was exposed without my consent, \nplacing me at risk of identity theft and fraudulent activity. \nUnder the Fair Credit Reporting Act (FCRA), I have the right to ensure that the \ninformation contained in my credit report is accurate, complete, and verifiable. I am \nrequesting that you investigate and promptly delete any and all items that may have \nbeen affected by this breach, as they cannot be verified as accurate or legitimately \nassociated with me. \nThe specific items I am disputing include: \nAccount Name: XXXX XXXX XXXX XXXXAccount Number: XXXX XXXXOpen Date: XXXX  \nBalance: XXXX XXXXAccount Name: XXXX XXXX XXXX XXXXAccount Number: XXXX  \nOpen Date: XXXX XXXXBalance: XXXX XXXXnAccount Name: XXXX  \nAccount Number: XXXX  \nOpen Date: XXXX XXXXBalance: XXXX \nAccount Name: XXXX XXXXAccount Number: 8XXXX XXXXOpen Date: XXXX XXXXBalance: XXXX  \nAccount Name: XXXX XXXX XXXXAccount Number: XXXX XXXXOpen Date: XXXX XXXXBalance: XXXX XXXXNQUIRIES:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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