vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: VA

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Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred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

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. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) XXXX XXXX XXXX Balance : {$12000.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$230.00} Open Date XX/XX/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 XXXX XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-01 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: FL

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 : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-08-01 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: SC

Complaint narrative:
[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX ] [ XXXX, SC XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Formal Dispute of Charge-Off Reporting under FCRA Account XXXX Dear XXXX XXXX I am writing to formally dispute the accuracy of the charge-off entry being reported on my credit report by your organization for the above-referenced account. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. 

Upon reviewing my credit reports from [ Equifax, Experian, TransUnion ], I noticed that your organization is reporting this account as charged off. I am requesting that XXXX XXXX  conduct a full investigation and provide proper validation and documentation that confirms the accuracy of the reported information. This includes : A full and complete payment history on the account. 
A copy of the original service agreement or contract signed by me. 
Detailed documentation supporting the balance and charge-off date. 
Evidence that XXXX XXXX has the legal right to report this information to the credit reporting agencies. 

If you are unable to provide this information within the time required by law ( 30 days of receipt of this notice ), I request that you immediately remove the charge-off listing from all credit bureaus to which it was reported, in compliance with the FCRA. 

Please send me a written response confirming whether the account has been verified, corrected, or removed. Be advised that I am keeping detailed records of this correspondence and will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) if necessary. 

Thank you for your cooperation. 

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 2025-08-01 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: SC

Complaint narrative:
[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX ] [ XXXX, SC XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Formal Dispute of Charge-Off Reporting under FCRA Account XXXX Dear XXXX XXXX I am writing to formally dispute the accuracy of the charge-off entry being reported on my credit report by your organization for the above-referenced account. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. 

Upon reviewing my credit reports from [ Equifax, Experian, TransUnion ], I noticed that your organization is reporting this account as charged off. I am requesting that XXXX XXXX  conduct a full investigation and provide proper validation and documentation that confirms the accuracy of the reported information. This includes : A full and complete payment history on the account. 
A copy of the original service agreement or contract signed by me. 
Detailed documentation supporting the balance and charge-off date. 
Evidence that XXXX XXXX has the legal right to report this information to the credit reporting agencies. 

If you are unable to provide this information within the time required by law ( 30 days of receipt of this notice ), I request that you immediately remove the charge-off listing from all credit bureaus to which it was reported, in compliance with the FCRA. 

Please send me a written response confirming whether the account has been verified, corrected, or removed. Be advised that I am keeping detailed records of this correspondence and will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) if necessary. 

Thank you for your cooperation. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have an account with Synchrony Banj that has delinquency marks on my credit report. I contacted the bank on multiple occasions ( most recently on XXXX ) to request a goodwill deletion in exchange for full payment. I was repeatedly transferred between Collections and Customer Service, and neither department took ownership of my request.

I also asked for written confirmation of the banks policy on goodwill deletions, which they claimed was mailed on XX/XX/year>, but they refused to provide a copy or even verify what it said. A manager refused to give me her full name or ID, and I was told they cant divulge that information. I was only asking for transparency regarding a policy that affects my credit.

Im not disputing the amount owed I simply want to resolve this account in exchange for removal of the reported delinquencies, which I know is within their discretion.

Im asking the CFPB to review the banks refusal to engage in a transparent goodwill process, their unwillingness to provide documentation, and their repeated obstruction of my attempt to resolve the account in good faith.

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 2025-08-01 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: IL

Complaint narrative:
This is a formal complaint against Experian, Equifax and Trans Union for knowingly publishing and retaining tradeline data furnished by XXXX XXXX that violates the

Metro 2 Credit Reporting Format, resulting in continued publication of a false and fraudulent account for over 100 months. I submitted an Affidavit of Non-Consent & Denial of Forbearance Agreement, under penalty of perjury, directly disputing the existence, ownership, and legitimacy of the reported account. Despite this, Experian, Equifax and Trans Uion has continued to report the tradeline in violation of Metro 2 guidelines, FCRA 1681i, and CFPB Bulletin 2016-01.

Legal & Regulatory Violations by Experian, Equifax and Trans Union ( Metro 2Specific ) Experian has published and maintained inaccurate tradeline data from XXXX in violation of Metro 2 standards, including but not limited to the following : 1. Metro 2 Field 17 Date of First Delinquency : The date field is materially inaccurate or fabricated. The account was falsely reported as delinquent or in forbearance without a valid contractual history or legal origination, in violation of Metro 2 base segment rules. 2. Metro 2 Field 17A Compliance Condition Code : Experian failed to accurately code this account as disputed by consumer ( Code XB ) after receipt of my dispute and affidavit. This violates the FCRA 1681i and Metro 2 guidance requiring dispute markers on accounts under investigation.

3. Metro 2 Field 28 Account Status Code : Experian accepted a status code indicating forbearance or deferment without a valid underlying contract. There is no forbearance agreement signed by me, and no digital or physical consent exists. This field misrepresents my creditworthiness.

4. Metro 2 Fields 11 & 12 ECOA and Consumer Information Indicator : The tradeline omits the correct ECOA code and misrepresents the responsible party. No legitimate originator or contract is linked to my SSN or signature.

5. Metro 2 Field 3945 Payment History Profile : Experian has published over 100 months of fraudulent payment history for a student loan I never signed for. This long-standing misrepresentation creates an artificial, prejudicial record that is wholly inconsistent with my verified financial activity.

Evidence Attached : Notarized Affidavit of Non-Consent, signed and executed under penalty of perjury, declaring that I : Never opened this account ; Never agreed to or signed a forbearance agreement; Have suffered material harm from this false reporting ; Have disputed this information directly and received no lawful correction or reinvestigation.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
PLEASE REMOVE ANY NEGATIVE REPORTS WITH PROVIDED INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchased photos from XXXX XXXX who used Affirm credit to pay for the invoice monthly. I was never asked a scheduling date or amount I could afford. I have called several times to change the monthly amount and date of payment and no one ever helps me. Most credit companies will allow you to either lower the payment or change the date. Most reps do not speak understandable English and they are very difficult to get hold of or make any changes.

I am only working part time and have a serious health issue with a family member that takes any extra money coming my way. I have explained this issue but it falls on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a call from Bank of America informing me that an account was recently opened in my name through their online banking platform. I have not had any relationship with Bank of America for over 10 years. I am requesting that a fraud alert be placed on my record to help prevent any unauthorized or fraudulent activity.

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 2025-08-01 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
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 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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The amount in question is XXXXXXXX XXXX that has been stuck in my checking account for months

Company response to consumer: Closed with explanation