vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: IN

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, Equifax, and TransUnionfor 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Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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.

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. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: IN

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, Equifax, and TransUnionfor 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.

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. '' XXXXXXXX XXXX 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in the process of trying to purchase a home, and this inaccurate item on my credit report is negatively affecting my ability to do so. The account in question does not belong to me, and I have already contacted the company to dispute it. Despite my efforts, the item remains on my report. This is causing serious harm to my credit and interfering with an important financial transaction. I request that this item be investigated and removed from my credit report immediately.

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 2025-07-30 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: FL

Complaint narrative:
I am in the process of trying to purchase a home, and this inaccurate item on my credit report is negatively affecting my ability to do so. The account in question does not belong to me, and I have already contacted the company to dispute it. Despite my efforts, the item remains on my report. This is causing serious harm to my credit and interfering with an important financial transaction. I request that this item be investigated and removed from my credit report immediately.

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 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Hello, I am writing to address an issue with my XXXX XXXX credit card. As a loyal member for the past XXXX years, I have consistently made my payments on time without any problems. 

However, since XX/XX/year>, I have experienced account tampering and rejection of my monthly payments. I have been charged late fees and return check fees. 

XXXX XXXX falsely claimed to have received a message from XXXX XXXX stating that my account was closed when it was fully active. 

I would like to receive written confirmation from XXXX XXXX regarding XXXX XXXX that my account is not still active. I have proof from XXXX XXXX stating that my account was/still active and never closed. It has come to my attention that what is on XXXX XXXX customer service website is different from what is on the account holders account. The account holders account is updated with the correct information when XXXX XXXX website is not updated with the correct information. Since then, the account holder has paid off the balance that was owed. 

I request that XXXX XXXX reinstate my credit card. My bank account was never closed, and I should not have been charged late fees for both months. I would like the late fees to be reinstated as well. 

Also, after making my payment on time this month. They still gave me a late fee on the same day. What type of company is this that continues to RIP off customers. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 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:
EXPERIAN. EQUIFAX AND TRANS UNION Complaint Summary I am submitting this complaint regarding multiple unauthorized hard inquiries on my EXPERIAN, EQUIFAX AND TRANS UNION credit report. These inquiries were made without my knowledge, consent, or a permissible purpose under the Fair Credit Reporting Act ( FCRA ).

The companies listed below accessed my credit report without my authorization, and I did not initiate any transactions or applications with them.

I believe these are violations of my rights under 15 U.S. Code 1681b, which outlines permissible purposes for accessing a consumer credit report. 

Disputed Inquiries * * Company : * * XXXX XXXX Inquiry Date : XX/XX/XXXX Expected Removal Date : XX/XX/XXXX Inquiry Type : Finance, personal Phone Number : ( XXXX ) XXXX * * Company : * * XXXX  Inquiry Date : XX/XX/XXXX Expected Removal Date : XX/XX/XXXX Inquiry Type : Finance, personal Phone Number : ( XXXX ) XXXX * * Company : * * XXXX XXXX Inquiry Date : XX/XX/XXXX Expected Removal Date : XX/XX/XXXX Inquiry Type : Finance other than personal Phone Number : ( XXXX ) XXXX * * Company : * * XXXX  XXXX  Inquiry Date : XX/XX/XXXX Expected Removal Date : XX/XX/XXXX Inquiry Type : Finance, personal Phone Number : ( XXXX ) XXXX * * Company : * * XXXX XXXX  / XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Expected Removal Date : XX/XX/XXXX Inquiry Type : Automobile Dealers, Used Phone Number : ( XXXX ) XXXX * * Company : * * XXXX XXXX  INQUIRY DATE XX/XX/XXXX REMOVAL DATE XX/XX/XXXX TYPE FINANCE COMPANIES-NON SPECIFIC PHONE XXXX * * Company : * * XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX REMOVL DATE XXXX XXXX TYPE AUTO FINANCING COMPANIES * * Company : * * XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX REMOVAL DATE XX/XX/XXXX TYPE AUTOMOBILE DEALERS, NEW PHONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
EXPERIAN. EQUIFAX AND TRANS UNION Complaint Summary I am submitting this complaint regarding multiple unauthorized hard inquiries on my EXPERIAN, EQUIFAX AND TRANS UNION credit report. These inquiries were made without my knowledge, consent, or a permissible purpose under the Fair Credit Reporting Act ( FCRA ).

The companies listed below accessed my credit report without my authorization, and I did not initiate any transactions or applications with them.

I believe these are violations of my rights under 15 U.S. Code 1681b, which outlines permissible purposes for accessing a consumer credit report. 

Disputed Inquiries * * Company : * * XXXX XXXX Inquiry Date : XX/XX/XXXX Expected Removal Date : XX/XX/XXXX Inquiry Type : Finance, personal Phone Number : ( XXXX ) XXXX * * Company : * * XXXX  Inquiry Date : XX/XX/XXXX Expected Removal Date : XX/XX/XXXX Inquiry Type : Finance, personal Phone Number : ( XXXX ) XXXX * * Company : * * XXXX XXXX Inquiry Date : XX/XX/XXXX Expected Removal Date : XX/XX/XXXX Inquiry Type : Finance other than personal Phone Number : ( XXXX ) XXXX * * Company : * * XXXX  XXXX  Inquiry Date : XX/XX/XXXX Expected Removal Date : XX/XX/XXXX Inquiry Type : Finance, personal Phone Number : ( XXXX ) XXXX * * Company : * * XXXX XXXX  / XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Expected Removal Date : XX/XX/XXXX Inquiry Type : Automobile Dealers, Used Phone Number : ( XXXX ) XXXX * * Company : * * XXXX XXXX  INQUIRY DATE XX/XX/XXXX REMOVAL DATE XX/XX/XXXX TYPE FINANCE COMPANIES-NON SPECIFIC PHONE XXXX * * Company : * * XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX REMOVL DATE XXXX XXXX TYPE AUTO FINANCING COMPANIES * * Company : * * XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX REMOVAL DATE XX/XX/XXXX TYPE AUTOMOBILE DEALERS, NEW PHONE 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 2025-07-30 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On multiple occasions, Ally Financial has incorrectly reported a 30-day late payment on my auto loan despite the fact that funds were available in my account and payment attempts were made on time. 

Timeline of Events : XX/XX/XXXX : Attempted to make my regular payment through the Ally app. Funds were available, and the app showed Payment Complete. A few days later, Ally returned the payment without notifying me in time to correct it, leading to a late mark. 
XX/XX/XXXX : The same issue happened again. My bank account had sufficient funds, and I made my payment four weeks before the due date. The Ally app showed the payment was successfully submitted. However, the payment was later returned by Allys system, and they reported a 30-day late payment to the credit bureaus. 
I reached out to Ally both times and explained the issue, but the payment system errors were never resolved. I had to use a second payment option to finally process the payment, which recently posted three days ago. 

Evidence Provided : Screenshots of the Ally app confirming payment completion before the due date. 
Bank records showing sufficient funds at the time of attempted payments. 
Messages from Ally confirming the payment was submitted before it was later returned. 

This inaccurate reporting is harming my credit despite my good faith efforts to make timely payments. I am requesting that this 30-day late mark be investigated and removed, as the delays and returned payments were due to Allys system errors, not consumer neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
Disputed Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law Issue : Per FCRA 605 ( b ), derogatory accounts that are unverifiable must be removed upon request.

Story : This account is showing late payments, yet it has a {$0.00} balance and no current activity. No late notices or billing were ever received. 
Instruction : I request full deletion of this item due to lack of validation and misleading reporting. 
Disputed Inquiry : XXXX XXXX XX/XX/XXXX Law Issue : FCRA Section 604 ( a ) ( 3 ) prohibits unauthorized hard inquiries. 
Story : I did not apply for any auto loan or authorize XXXX XXXX to pull my report. This is an unapproved credit access. 
Instruction : Remove this inquiry and provide proof of permissible purpose as per FCRA. 
I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of a Portfolio Recovery Associates account that appears on my credit report. The account in question is reported as having been opened on XX/XX/year>2025. 

I believe this account is inaccurate and possibly unverifiable, and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). If the account can not be verified with complete accuracy and proper documentation, I respectfully request that it be deleted from my credit report immediately. 

Please provide written confirmation of the results of your investigation, and any supporting documentation used to verify the accuracy of the account. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: Continental Finance Company, LLC
State: MS

Complaint narrative:
To Whom It May Concern, This is a follow-up and escalation of my ongoing complaints # XXXX and # XXXX, regarding my FIT Mastercard account XXXX issued by XXXX XXXX XXXX XXXX XXXX  XXXX ) and serviced by Continental Finance Company XXXX 

I am also actively pursuing this matter through the Consumer Financial Protection Bureau ( CFPB Complaint # XXXX ) because after nearly five months of unresolved issues, I have discovered yet another unauthorized charge while still being locked out of my account. 

Timeline of Events & Core Issues : XX/XX/year> XX/XX/year> : I had no online access to my account. I repeatedly called, emailed, and submitted documents and still received no working card and no portal access for over four months.

During this entire time, maintenance fees, late fees, and penalties were added while I had no ability to use the card or prevent activity. I was charged $ XXXX in monthly maintenance fees, and penalized as if I were neglecting the account, while in reality, I was actively begging for access and resolution. 
XX/XX/year> : Once I finally gained portal access, I discovered a {$100.00} balance transfer on XX/XX/year> that I did not authorize and that occurred while my card was supposedly blocked. I have no idea what this charge is, who initiated it, or why it was allowed on an account under investigation for fraud. I still do not have possession of a card to my account, only online access. 
Continental Finance refunded three late fees ( XXXX, XXXX, XXXX ) but not the maintenance fees, not the random balance transfer, and not the ongoing penalties they assessed while my account was inaccessible. 

This entire process has caused me significant damage, including : Severe credit score decline ( dropping below XXXX due to their reporting ) Credit reporting inaccuracies ( including being reported under my former name ) Derogatory marks, high utilization, and false late payments Inquiries and applications denied because of reported delinquencies from a {$300.00} card I couldnt access Wasted time and stress from calling, emailing, and following all proper channels since XXXX Even now, after escalating to multiple federal agencies, Continental Finance continues to ignore what I actually requested. Their representative, XXXX XXXX, only offered a form letter and failed to address key issues I explicitly outlined.

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 2025-07-30 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: Early Warning Services, LLC
State: MI

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT A N D HAVE UNAUTHORIZED BANK ACCOUNTS LISTED UNDER MY NAME IN BOTH CHEXSYSTEMS AND EARLY WARNING SERVICES ( EWS ).

THESE ACCOUNTS WERE NOT OPENED OR AUTHORIZED BY ME. I DISCOVERED THESE ENTRIES AFTER BEING DENIED A CHECKING ACCOUNT AND SUBSEQUENTLY PULLING MY CONSUMER REPORTS FROM CHEXSYSTEMS AND EWS.

I H AV E ALREADY FILED A N IDENTITY THEFT REPORT THROUGH THE FTC AND HAVE SUBMITTED ALL RELEVANT DOCUMENTATION INCLUDING MY GOVERNMENT-ISSUED ID, PROOF OF ADDRESS, AND A SIGNED AFFIDAVIT OF IDENTITY THEFT. DESPITE MY EFFORTS, THE AGENCIES HAVE FAILED TO REMOVE THE FRAUDULENT AND INACCURATE INFORMATION FROM MY FILE. THIS HAS AFFECTED MY ABILITY TO OPEN A BANK ACCOUNT, RECEIVE DIRECT DEPOSIT, AND ACCESS BASIC FINANCIAL SERVICES. UNDER FCRA 605B, I AM ENTITLED TO HAVE FRAUDULENT INFORMATION BLOCKED FROM MY REPORT. I AM REQUESTING THAT THE CFPB INTERVENE AND ENSURE THESE AGENCIES AND/OR BANKS COMPLY WITH FEDERAL LISTED UNDER MY NAME IN BOTH CHEXSYSTEMS AND EARLY WARNING SERVICES ( EWS ).

THESE ACCOUNTS WERE NOT OPENED OR AUTHORIZED BY ME. I DISCOVERED THESE ENTRIES AFTER BEING DENIED A CHECKING ACCOUNT AND SUBSEQUENTLY PULLING MY CONSUMER REPORTS FROM CHEXSYSTEMS AND EWS.

I HAVE ALREADY FILED A N IDENTITY THEFT REPORT THROUGH THE FTC AND HAVE SUBMITTED ALL RELEVANT DOCMENTATION INCLUDING MY GOVERNMENT-ISSUED ID, PROOF OF ADDRESS, AND A SIGNED AFFIDAVIT OF IDENTITY THEFT.

DESPITE MY EFFORTS, THE AGENCIES HAVE FAILED TO REMOVE THE FRAUDULENT AND INACCURATE INFORMATION FROM MY FILE. THIS HAS AFFECTED MY ABILITY TO OPEN A BANK ACCOUNT, RECEIVE DIRECT DEPOSIT, AND ACCESS BASIC FINANCIAL SERVICES.

UNDER FCRA 605B, I AM ENTITLED TO HAVE FRAUDULENT INFORMATION BLOCKED FROM MY REPORT. I AM REQUESTING THAT THE CFPB INTERVENE AND ENSURE THESE AGENCIES AND/OR BANKS COMPLY WITH FEDERAL L

Company response to consumer: Closed with explanation