vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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 contacting you regarding a late payment entry on my credit report that appears to be inaccurate. My own financial records reflect that this payment was made within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
I make it a priority to regularly monitor my credit report because maintaining a strong credit score is essential to me. However, I continue to see false and inaccurate information being reported. Despite raising this issue multiple times, nothing has been resolved. The ongoing presence of these inaccuracies is not only frustrating and emotionally draining, but it is also causing unjust harm to my credit profile and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: IA

Complaint narrative:
Subject : Continued Inaccurate Reporting by XXXX XXXX Follow-Up to Case # XXXX I am filing a follow-up complaint because XXXX XXXX  and Experian have failed to lawfully resolve my original dispute regarding a charged-off account ( Acct # : XXXX ). 

I submitted a formal dispute, certified by mail, demanding validation under FCRA 1681i, FDCPA 1692g, and relevant IRS tax discharge rules. My complaint also requested confirmation of any Form XXXX or XXXX issued, which would indicate cancellation of debt and make the continued reporting unlawful. 

XXXX XXXX did not provide any validation documents or IRS forms. Experian responded only with a general statement that XXXX XXXX verified the debtbut did not submit proof of : Legal ownership or standing A signed contract IRS cancellation records Whether the debt was securitized or transferred to a XXXX XXXXXXXX trust This raises possible violations of : FCRA ( for failure to conduct a full reinvestigation ) FDCPA ( for continuing to report a potentially discharged debt ) IRS Code ( if both XXXX and negative reporting are occurring ) Gramm-Leach-Bliley Act ( misuse or sale of private information post-discharge ) I am formally requesting CFPB to : Reopen and escalate this case Require XXXX XXXX  to submit full validation, IRS disclosure, and chain of title Order removal of this account from my credit report until fully resolved Refer this matter to the IRS, FTC, and State AG as necessary

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 2025-07-15 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: IA

Complaint narrative:
Subject : Continued Inaccurate Reporting by XXXX XXXX Follow-Up to Case # XXXX I am filing a follow-up complaint because XXXX XXXX and XXXX have failed to lawfully resolve my original dispute regarding a charged-off account ( Acct # : XXXX ). 

I submitted a formal dispute, certified by mail, demanding validation under FCRA 1681i, FDCPA 1692g, and relevant IRS tax discharge rules. My complaint also requested confirmation of any Form XXXX or XXXX issued, which would indicate cancellation of debt and make the continued reporting unlawful. 

XXXX Bank did not provide any validation documents or IRS forms. XXXX responded only with a general statement that XXXX XXXX verified the debtbut did not submit proof of : Legal ownership or standing A signed contract IRS cancellation records Whether the debt was securitized or transferred to a XXXX XXXXXXXX trust This raises possible violations of : FCRA ( for failure to conduct a full reinvestigation ) FDCPA ( for continuing to report a potentially discharged debt ) IRS Code ( if both XXXX and negative reporting are occurring ) Gramm-Leach-Bliley Act ( misuse or sale of private information post-discharge ) I am formally requesting CFPB to : Reopen and escalate this case Require XXXX XXXX  to submit full validation, IRS disclosure, and chain of title Order removal of this account from my credit report until fully resolved Refer this matter to the IRS, FTC, and State AG as necessary

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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 XXXX major credit bureausExperian, XXXX XXXX XXXXXXXX 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 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  These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX 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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A few days ago I receive a report from the tree credit report informing me that I have a negative new account from company call Central Portfolio phone # XXXX for pass due of close the $ XXXX don't have idea about this company I believe this case was close in 2016 and was reopen Illegally aging account.

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 2025-07-15 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I recently have received unwanted opened accounts used under my name. 
I am suspicious of someone trying to steal my identity by using my personal information to open credit cards which lead to credit reports inquiries and alerts saying that I have opened the accounts and I have not. The Credit Card was mailed to my address, so I want to have my identity protected as much as possible. There were letters in the mail that were mailed home to me saying that there were XXXX accounts opened and that the merchants couldnt identify me so they did not approve of the 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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX, was a victim of identity theft as my SSN # was found on the Dark Web. I have approached each and every bank/credit card/debit card/ and they have all cooperated as of todays date. XX/XX/year> However Wells Fargo remains problematic, which is funny because they were the only institution warned BEFORE the fraud took place. 
I emailed the bank AND I went into the branch and I told Wells Fargo what was going on. This was on the date of XX/XX/year>. 
However, Wells Fargo completely ignored me. It turns out that my card had already been sent to the suspect in New York, and they never marked it as Lost or Stolen. 

* * * Previous statements will show that I never charged more than {$100.00} a month in total for ( XXXX ) years on that Wells Fargo credit card, so this was not one of my main credit card accounts and for that reason, I did not notice the fraud right away. 
The XXXX has concluded that I was a victim of identity theft. 
The XXXX has also confirmed that the address in question, on XXXX XXXX, is currently under investigation for MULTIPLE mail fraud and phishing schemes. 
Wells Fargo has now ( 2 ) open claims. One for the charges on the credit card and the other for the online transactions. 
There were cash advances made and then the suspect went shopping all over XXXX XXXX I live in XXXX XXXX XXXX 

Exhibit ( 1 ) The statement, which shows the suspects address in XXXX, New York corresponding with the police investigation. 
Exhibit ( 2 ) The email I received from Wells Fargo confirming the mailing of the card, with that SAME address in XXXXXXXX XXXX XXXX Exhibit ( XXXX ) Email from Wells Fargo, showing that even my online password was changed. 
Exhibit ( 4 ) The Police Report For card ending in XXXX- Statement closing date XX/XX/year>

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America account was closed over XXXX days ago, and I was informed by a representative that the funds remaining were transferred to a " Hold Harmless '' account. However, I have not been provided with any Hold Harmless Agreement, documentation, or instructions to claim my money. I have made multiple requests but received no resolution. 

Bank of America is withholding my funds without providing a legal path to access them, and I consider this unfair and unacceptable. I am requesting that the CFPB investigate this matter and require the bank to release my funds or provide the necessary agreement and process immediately. 

A bank should not withhold or reroute your funds to a " Hold Harmless '' account without giving the means to retrieve them, including providing any agreement or steps needed to claim your money.They are violating regulatory standards.

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 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I am a survivor of XXXX XXXX, a federally declared disaster. My business was destroyed by the hurricane and I provided documentation to Mariner Finance. Despite my disaster hardship, Mariner Finance has refused all goodwill or hardship relief, and continues to report my accounts as delinquent. 

Additionally, Mariner Finance required me to consent to receive collection calls and texts as a condition for a new loan, which I understand is illegal. After I revoked consent ( by texting STOP ) and sent a cease and desist letter, they continued to contact me. Their treatment is unfair and not in line with industry or government guidance for disaster survivors. I am requesting CFPB intervention to stop the harassment, correct my credit reporting, and force Mariner Finance to offer reasonable hardship or goodwill options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, Equifax is required by law to maintain procedures that ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). The inquiries listed can not be verified as authorized under 1681b and therefore must be removed under 1681i ( a ) ( 5 ) ( A ).

Continued reporting of unauthorized or unverifiable inquiries constitutes negligent noncompliance ( 1681o ) and may further suggest facilitation of a violation under 1681q, which involves the unlawful obtaining of consumer information under false pretenses a federal offense punishable by fines or imprisonment. I am prepared to escalate this matter, including seeking statutory damages under 1681n if the issue is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/year> Experian Information Solutions , Inc . 
Attn : Legal Department XXXX XXXX XXXX XXXX, TX XXXX RE : Legal Notice Small Claims Lawsuit Filed in XXXX XXXX, TX XXXX XXXX Account Identity Theft & FCRA Violations To Whom It May Concern : This letter serves as formal notice that I have filed a small claims lawsuit against Experian Information Solutions , Inc. in : XXXX XXXX, Precinct 1, Place XXXX XXXX XXXX, Texas XXXX XXXX XXXX The case involves repeated violations of the Fair Credit Reporting Act ( FCRA ), including : Failure to block a fraudulent XXXX  XXXX account under 1681c-2 Reinsertions without providing notice under 1681i ( a ) ( 5 ) ( B ) Refusal to verify the account after formal disputes Ongoing reporting of a known identity theft account Reporting of an account that is legally obsolete under 1681c ( a ) ( 4 ) You will be served by constable at : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Enclosed is a copy of the file-stamped petition. I am open to early resolution. 
You may contact me directly at XXXX. 

Sincerely, XXXX XXXX Enclosure : Filed Small Claims Petition XXXX XXXX Experian Information Solutions , Inc .

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 2025-07-15 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.

1681c-2 ) that you, the Experian XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year>

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