vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am submitting this written dispute to request a correction regarding a late payment that I believe is inaccurately recorded on my credit report. I have verified through my own financial records that this payment was made on time.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against the three major credit bureaus

Experian, Equifax, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 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outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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. 


I am disputing the following categories of data, which have been verified without sufficient documentation : Late payments Charge-offs Collections Hard inquiries Student loans ( unvalidated promissory notes or balances ) Duplicated or fragmented tradelines Incorrect personal identifiers ( past addresses, name variations ) In each case, the bureaus have failed to provide proof from the original creditor, servicer, or data furnisher. The data remains on my credit reports unverified, and therefore in violation of FCRA 1681i.

Because of these inaccuracies, I have suffered the following adverse effects : Denied financing for [ mortgage/car/personal loan ] Higher interest rates on approved credit Reputational damage due to reported delinquencies Emotional distress caused by repeated, unlawful verification responses These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, 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. 

I request full resolution within 15 business days. If this matter is not resolved in compliance with 15 U.S.C. 1681i, I will pursue private legal action under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), including all applicable damages and legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against the three major credit bureaus

Experian, Equifax, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 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. 


I am disputing the following categories of data, which have been verified without sufficient documentation : Late payments Charge-offs Collections Hard inquiries Student loans ( unvalidated promissory notes or balances ) Duplicated or fragmented tradelines Incorrect personal identifiers ( past addresses, name variations ) In each case, the bureaus have failed to provide proof from the original creditor, servicer, or data furnisher. The data remains on my credit reports unverified, and therefore in violation of FCRA 1681i.

Because of these inaccuracies, I have suffered the following adverse effects : Denied financing for [ mortgage/car/personal loan ] Higher interest rates on approved credit Reputational damage due to reported delinquencies Emotional distress caused by repeated, unlawful verification responses These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, 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. 

I request full resolution within 15 business days. If this matter is not resolved in compliance with 15 U.S.C. 1681i, I will pursue private legal action under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), including all applicable damages and legal fees.

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 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
This is my second formal CFPB complaint against Buffalo Lake Lending ( also known as Bison Lending ). I borrowed {$640.00} and have paid a total of {$1000.00} well beyond the original loan amount. They continue to claim I owe more and have ignored every attempt Ive made to resolve this account fairly. 

On XX/XX/year>, I sent a written {$100.00} hardship settlement offer after rejecting their prior response. I received no reply. They have ignored both my original CFPB complaint and my direct emails. ACH authorization was revoked, and all payments are documented. 

This lender is completely uncooperative and acting in bad faith. They are choosing to ignore a reasonable settlement while trying to drag this out and collect more money than what was borrowed. Their silence shows disregard not just for me, but for the entire regulatory process. 

Im requesting immediate intervention. Buffalo Lake Lending must either accept my {$100.00} settlement offer or close this account as Paid in Full. If they add interest, attempt collection, or report anything during this dispute, I will escalate to the FTC and my state Attorney General. Enough is enough.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 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: TN

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

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 Address : XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
According to law 15 USC 6802 my rights have been violated because my non public information has been shared to a third party without my consent. According to FCRA section 605B it is illegal to report information on my credit report without my permission. On one of my credit reports this account is appearing XXXX  very damaging to my credit. 
They also keep calling me XXXX time a day I attached one voicemail.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or around XX/XX/XXXX at XXXX, I was charged {$99.00} by XXXX for a subscription service. The charge appeared on my Chase Bank account and was visible in my transaction history at that time. 

Shortly after, I requested a refund from XXXX, and they informed me that the refund would be issued by the end of the day XXXX business days. A couple days later, I checked my Chase account and found that the original {$99.00} transaction had disappeared entirely from my statement. As of today, I have not received any refund, and the charge is no longer visible in my transaction history. 

I contacted Chase support, but they told me that there was nothing they could do because they could not find the transaction. I explained that the charge was previously visible and I had been promised a refund, but they refused to investigate further or escalate the case. 

I am concerned that the transaction was either dropped, reversed, or mishandled, and as a result, I am now out {$99.00}. I am requesting the CFPB to assist in urging Chase to investigate the transaction history, including pending or reversed charges, and assist in recovering the funds or processing a dispute based on available merchant communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I submitted a dispute to Experian under FCRA 605B to block fraudulent accounts resulting from identity theft. I included a police report with the officers name and badge number, my ID, and proof of address. Experian rejected my request claiming the police report was missing officer info, which is incorrect. I have re-submitted all required documentation, but Experian is still stalling and refusing to block the fraudulent accounts. This has been ongoing since XXXX, seriously damaging my credit and ability to rent an apartment. I am requesting CFPBs assistance to ensure Experian complies with federal law.

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 2025-07-11 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: TX

Complaint narrative:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, 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 2025-07-11 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: NC

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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Original Creditor Synchrony bank Shows the original charges on the account were XX/XX/year>. and XX/XX/year>. Synchrony sold the debt to XXXX XXXX XXXX. I filed a police report and and Identity theft report with the FTC. I have proof that I was not in the XXXX at the time of the charges. The charges occurred on my care credit account. The account was legitimate I opened it but someone made these charges while I was outside the XXXX for and extended period. Only XXXX  and XXXX refused to remove this fraud and I can not get them give me any information. How are they confirming this, do they have evidence I do not have. I would love to know who made the charges. I have been trying for a while and I cant get answers so if they cant provide proof then how can they keep hurting me?

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 2025-07-11 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: TX

Complaint narrative:
This letter is to dispute a hard inquiry appearing on my credit file that was not authorized by me. I have not applied for any credit, financing, or services with the company responsible for this entry.

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 2025-07-11 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: Continental Finance Company, LLC
State: KY

Complaint narrative:
XX/XX/year> I contacted Continental Finance for my XXXX XXXX and asked that the information being reported to all XXXX major credit bureau be updated to match the information that I received from their customer service representative. The information given to me in XXXX different phone conversations was that my balance was {$0.00} and the account was closed. However it's still being reported that I owe them {$590.00}. I asked for a letter with that information but on XX/XX/XXXX XXXX and again XXXX weeks later I was sent status letters stating I owe them {$590.00}. I even spoke with a supervisor on a recorded phone call were again I was told my balance was {$0.00} and the account is closed. I have filed XXXX disputes each with all XXXX credit bureaus but Continental Finance continues to report false information. I called the company back on XX/XX/XXXX XXXX asking how I could just pay the debt because I want to purchase a home in the next year and once again I was told I couldn't pay it because they don't show an outstanding balance. I have exhausted every attempt to satisfy this account so the information would be updated correctly without any result.

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 2025-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I had a financial hardship during XXXX, so I took advantage of the mortgage pause. When it was time to restart payments they told me my loan would resume, and that a lump sum would be due at the end of my loan. They also told me that any hardship could be addressed at that time. I was not told at the time of the pause that this would be happening. I was just presented with the paperwork at the end of the pause. 

In XXXX of this year I started getting phone calls about the ballon payment. I immediately told the representative that I did not have that kind of money. She said thats why she was contacting me. She wanted to give me the opportunity to apply for a hardship modification, so I started the loan process. 

After months of harassment, the loan modification was denied. During that process I could only call, and speak to a random people. This was strange to me, because I had someone assigned to my loan. I was told after all of this that my loan was not eligible, because it is current. I am a veteran, and I trusted XXXX to treat me well. This has caused me nothing but stress.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation