vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, XXXX XXXX XXXXfor 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Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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  ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian XXXX XXXX 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 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 2025-09-11 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: NJ

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  EXPERIAN XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because the credit reporting agency has willfully violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2025, I submitted a reinsertion challenge regarding previously deleted accounts. Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency is prohibited from re-inserting information unless the furnisher of the information has certified that the information is complete and accurate. In addition, the consumer must be notified in writing within XXXX business days of the reinsertion. 

The credit reporting agency failed to provide the required notice and has allowed inaccurate and unverifiable information to remain on my report. This practice is unlawful, causes harm to me as a consumer, and is a direct violation of federal law. 

I am requesting that the CFPB take immediate action to investigate this matter, ensure compliance with the FCRA, and require the credit reporting agency to remove the reinserted items from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: LEXISNEXIS
State: FL

Complaint narrative:
I AM REQUESTING A FULL CONSUMER FILE DISCLOUSURE, MY PERSONAL INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER HAS BEEN EXPOSED DUE TO A DATA BREACH. AS PER FCRA/FDCPA PROVIDES PROTECTION OF MY PERSONAL INFORMATION. MY CONSUMER RIGHTS TO FAIR AND ACCURATE REPORTING HAS BEEN VIOLATED SOME INCLUDE BUT NOT LIMITED TO ; 15 USC 1692 ( e ) ( 8 ) ( f ) ( d ) ( c ), 15 USC 1681 ( i ) ( 7 ) ( a ) ( E ) ( B ) ( c ) ( n ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has had me listed as a XXXX XXXX, their code for a deceased consumer and have not issued a score, however, they track my credit movements. I have not been able to correct this with them over numerous attempts. It is nearly impossible to speak to a representative and the times I have they promise results that now 4 years later have not been cleared up. It has cost me XXXX in higher interest rates and denied loans and I cant get it corrected with Experian. The other XXXX reporting agencies have scores but Experian has me deadlocked and they have done nothing to correct the reported errors for years now.

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 2025-09-11 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: CA

Complaint narrative:
HI, AND THANK YOU FOR READING THIS. SO THIS ALL STARTED VERY LONG TIME AGO AS I FOUND OUT SOMEONE HAD MY INFORMATION FOR A WHILE AND HAS BEEN USING IT TO PRETEND TO BE ME. IF YOU CAN PLEASE TAKE CARE OF THIS SITUATION ON YOUR SIDE SINCE I ALREADY DID MY PART AND SPOKE ALSO MADE SURE THAT EVERYBODY IS NOTIFIED ABOUT THIS INCIDENT. THIS BANKS ARE WHO MADE INQUIRES ABOUT THE APPLICATIONS THAT WERE MADE : XXXX XXXX MADE ON XXXX EQUIFAX MORTGAGE XXXX XXXXXXXX XXXXXXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX, ALSO XXXX XXXX HAD AN ACCOUNT WHICH WAS NOT MINE AND I ALREADY TALKED WITH THEM AS WELL, THANK YOU

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 2025-09-11 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: TX

Complaint narrative:
Im writing because there is wrong and damaging information being reported on my credit file, and I need it corrected immediately.

After carefully reviewing my credit report, I found an account that is being inaccurately reported. The information is flat-out incorrect, and its having a negative impact on my credit profile completely unfairly. This is not just a minor error. Its a serious misrepresentation of my payment history and violates the standards set by the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.

For the record, this account has always been paid on time, and I have never missed a payment. Labeling it as delinquent or late is false. This appears to be a billing error, and under 15 USC 1666B, Im entitled to have this corrected promptly. This false reporting is not only misleading its a violation of my rights as a consumer.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I am currently locked out of both banking and credit services due to a potential fraud alert. I have contacted Navy Federal and received instructions to email documents to prove identity. I was instructed to attach the documents to an email. When I called about why I had received no response after XXXX  days I was told that there was no attachment. I provided screenshots showing the file is correctly attached but was offer no other resolution except to mail in documents. This is a cost to myself and will further delay access to my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also know that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 USC 1001. Additionally, I am aware that misstatements are punishable as perjury under 18 USC 1621. This collection being displayed on my credit report are NOT related to any transaction made by me. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for good and/or services, and/or money and was clearly successful in creating this account. This is also being investigated by the FTC!!!! 

I demand this company to delete this account from all XXXX credit reporting agencies and COMPENSATE me for the violations or I will have NO CHOICE but to forward this to my litigation attorney!!! 

Collection Account : " XXXX XXXX XXXX XXXX XXXX  Amount {$840.00} ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
Subject : Request for Removal of Personal Information To Whom It May Concern, I am requesting the removal of certain personal information from my credit report. Specifically, I request that all names, addresses, and phone numbers associated with my account ( XXXX ) be removed. 

XXXX. My True/Real name is XXXX XXXX XXXX I do not have any also known as names. 
XXXX. My only and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete any/or all phone numbers all my credit report The information is either outdated, inaccurate, or unnecessary for reporting purposes and its removal is requested in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Please confirm in writing when these changes have been made. 


Sincerely, XXXX XXXX SSN last XXXX XXXX XXXX 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
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Request for Removal of Personal Information To Whom It May Concern, I am requesting the removal of certain personal information from my credit report. Specifically, I request that all names, addresses, and phone numbers associated with my account ( XXXX ) be removed. 

XXXX. My True/Real name is XXXX XXXX XXXX I do not have any also known as names. 
XXXX. My only and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete any/or all phone numbers all my credit report The information is either outdated, inaccurate, or unnecessary for reporting purposes and its removal is requested in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Please confirm in writing when these changes have been made. 


Sincerely, XXXX XXXX SSN last XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: TX

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 {$64.00} Steps i have taken are to have the accounts removed or blocked due to identity theft and submitted on claim XXXX. The accounts have not been removed or blocked. Experian updated the accounts as verified with no proof of any actions taken.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a CareCredit account that i primarily use for veterinary expenses. The initial charge at the vet clinic was {$1200.00}, and I was verbally told at the time that I was approved for a 0 % interest plan for 12 months. I made other charges on the card for additional veterinary expenses. After making automatic {$100.00} monthly payments for one year, I confirmed with a CareCredit representative ( XXXX ID XXXX on XX/XX/year> ) ) that my balance was {$1200.00}, the exact amount of the initial charge. On XXXX XXXX {$540.00} in interest was added to my account retroactively. At no point was it clearly explained that additional purchases or unpaid balances could trigger deferred interest. I contacted CareCredit customer service, including a supervisor ( XXXX ID XXXX ), requesting that the XXXX interest be removed as a one-time goodwill adjustment, but both representatives refused to reverse the charge.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: CT

Complaint narrative:
I received an email from E * Trade by Morgan Stanley on XX/XX/XXXX offering a {$300.00} cash bonus. The body of the email states how " It's really easy ''. It describes " How to unlock your {$300.00} bonus '' as : " Open a new Checking or XXXXe Checking account on etrade.com by XX/XX/XXXX. Make at least XXXX direct deposits, each of {$1500.00} or more, within 90 days of opening your new account. Get rewarded with a {$300.00} bonus deposited into your new account. '' The fine print at the bottom of the email reads : OFFER RULES FOR ALL PARTICIPANTS : Here are the details on how to earn your {$300.00} bonus : XXXX. Open XXXXne new XXXX Checking or Checking Account from Morgan Stanley Private Bank by XX/XX/XXXX. No minimum initial deposit is required to open an account. However, account must be funded within 30 days to remain open. 
XXXX. Set up and receive at least XXXX Direct Deposits each of {$1500.00} or more to your XXXX Checking or Checking Account within 90 days from account opening. 
XXXX. Morgan Stanley Private Bank will deposit the bonus into your account after the first XXXX requirements listed above are completed. See below for when the bonus will be posted. 

I logged into my existing brokerage account on etrade.com and opened a new XXXX Checking account. I initially funded the account on XX/XX/XXXX with {$5000.00}, then made XXXX direct deposits, each for {$2000.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all within 90 days. When reviewing my bank statements in XXXX I noticed that I never received the {$300.00} bonus. 

I called the E * trade support line on XX/XX/XXXX and explained the situation. The support representative stated that I never " enrolled '' in the promotion, but that they would initiate an investigation and call me back by Friday, XX/XX/XXXX. They never called. I reached out again on XX/XX/XXXX and was again told I " never enrolled '' and that they can not back date the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: MD

Complaint narrative:
I recently experienced a temporary financial hardship which caused my account to fall behind. I have since turned things around and my account is now current. Discover suspended my account and refuses to lift the suspension. I have been a customer for 10 years and find this to be very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The companies are telling me that they are only entering information forwarded by XXXX XXXX. I called the number offered in results from dispute and I am told the 1099-C should be given to credit bureau to show the debt is canceled. I think that I finally understand what is happening. Credit Bureaus are submitting automatically to an XXXX  automated information system.The automated response is just going by an XXXX XXXX readings from original charge off in XXXX. The account then went to court and I filed an answer in court. XXXX XXXX  followed up in XXXX with canceling debt leaving XXXX balance, XXXX past due and XXXX credit limit. The person I spoke to in XXXX at XXXX XXXX  forwarded me the 1099C telling me to forward to credit bureau so they can remove from my credit report. When I called number on letter from my dispute in XX/XX/XXXX through CFPB dated XX/XX/XXXX in answer from XXXX  to the CFPB XXXX ext XXXX signed by XXXX XXXX and it answers saying XXXX XXXX  then It says to enter ext. number. I did as it said and it went into a non-stop loop repeating the same thing, ENTER THE EXTENSION #. No one picked up. This is yet another AI automated reply that is not a legitimate and/or correct answer. Please contact XXXX by phone for reply and get a name, phone number to address the dispute like I did when offered the 1099C. Please call someone on the phone. Do not use the automated AI response that is just forwarding some notes off the internet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The companies are telling me that they are only entering information forwarded by XXXX XXXX. I called the number offered in results from dispute and I am told the 1099-C should be given to credit bureau to show the debt is canceled. I think that I finally understand what is happening. Credit Bureaus are submitting automatically to an AI automated information system.The automated response is just going by an AI system readings from original charge off in XXXX. The account then went to court and I filed an answer in court. XXXX XXXX followed up in XXXX with canceling debt leaving XXXX balance, XXXX past due and XXXX credit limit. The person I spoke to in XXXX at XXXX XXXX  forwarded me the 1099C telling me to forward to credit bureau so they can remove from my credit report. When I called number on letter from my dispute in XX/XX/XXXX through CFPB dated XX/XX/XXXX in answer from XXXX  to the CFPB XXXX ext XXXX signed by XXXX XXXX and it answers saying XXXX XXXX  then It says to enter ext. number. I did as it said and it went into a non-stop loop repeating the same thing, ENTER THE EXTENSION #. No one picked up. This is yet another AI automated reply that is not a legitimate and/or correct answer. Please contact XXXX by phone for reply and get a name, phone number to address the dispute like I did when offered the 1099C. Please call someone on the phone. Do not use the automated AI response that is just forwarding some notes off the internet.

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