vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureauXXXX 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Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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 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. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Equifax, and TransUnion to XXXX 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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>. An unauthorized, fraudulent withdraw of {$360.00} was taken out of my debit card ( USAA Checkings Account ). I called day of at about XXXX to dispute this and USAA did a temporary credit. Today, XX/XX/year> USAA denied my dispute and deducted {$360.00} from my checkings account even though I absolutely had nothing to do with this withdraw. When I called I was told the system didnt find any red flags. So, from my understanding no cameras were pulled, no police were involved when they absolutely should have been, and they want to close the case because the system says so?!?? This is honestly extremely dissapointing and if USAA refuses to investigate this fradulant charge further, I will be looking into taking legal action.

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 2025-10-08 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: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Whom It May Concern at Experian : I, XXXX XXXX XXXX, the undersigned Affiant, hereby declare under penalty of perjury that the following statements are true, correct, and complete to the best of my knowledge and belief : 1. Unauthorized Use of Personal Information I did not authorize any individual or entity to use my name, Social Security number, or personal information to obtain credit, loans, goods, or services. Any accounts or inquiries not initiated by me were established through fraudulent means.

2. Identity Verification I am prepared to verify my identity using the following documents, which I have attached : Government-issued identification Social Security Card Recent utility bill or bank statement showing my correct address 3. Fraudulent Accounts The following accounts were opened without my authorization. I demand they be immediately blocked and deleted from my credit report : XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. Fraudulent Inquiries The following unauthorized inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Incorrect Names and Addresses Incorrect Names : XXXX XXXX XXXX XXXX XXXX Correct Legal Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Correct Address XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX. Applicable FCRA Rights 1681c-2 : Requires blocking of identity theft information within 4 business days.

1681i : Requires a reasonable reinvestigation of disputed information within 30 days.

1681s-2 : Prohibits furnishers from continuing to report fraudulent or inaccurate information once notified.

Failure to comply may result in civil liability under 1681n & 1681o, which allow recovery of damages, attorneys fees, and costs for willful or negligent noncompliance.

7. Harm and Demand for Action The fraudulent accounts and inquiries listed above are causing me financial injury, loss of creditworthiness, and emotional distress.

I demand immediate blocking and deletion within 4 business days pursuant to 15 U.S.C. 1681c-2 ( a ).

Declaration : I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 



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 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX account no : - Charged Off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: PA

Complaint narrative:
I contacted XXXX for an alleged debt of {$1100.00} reporting to my credit file on XXXX  XXXX TransUnion. I spoke with a XXXX representative whom informed me that XXXX doesnt own that account and its with a 3rd party, by the name XXXX. I reached out to this 3rd party company via a hand written letter to validate this alleged debt. I did not received a response. I then contacted the company via telephone. After speaking with a representative she informed me that this alleged debt reporting is {$1300.00}. This inaccurate information is hindering me from a better quality of life. XXXX is reporting this alleged account as an closed account for the amount of XXXX. Which was sold to a third party debt collector whos stating the account balance is XXXX. This isnt factual 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-08 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: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
I have an FHA loan that originated from another lender back in XXXX. Effective XX/XX/XXXX my mortgage was sold by my original loan servicer XXXX XXXX over to Freedom Mortgage. On XX/XX/XXXX I received an escrow analysis statement from Freedom Mortgage that shows {$770.00} as part of my projected escrow account for next year ( XXXX ) under a description " Utility District Tax '' which after calling Freedom Mortgage I learned that this is my sewer bill with the amount corresponding to my XXXX bill which was already paid in full by me and on time back in XXXX with XXXX XXXX XXXX Delaware which XXXX XXXX also reflects a {$0.00} balance this year on their end as well. Please note that I pay my annual sewer bill to XXXX XXXX XXXX ( Delaware ) directly myself but it is now being included into my escrow account which has never been done before and Freedom Mortgage is requiring me to pay into my escrow to cover this creating an undue financial burden upon myself. To date I have always paid XXXX XXXX XXXX sewer department myself in full and on time, which my previous servicer XXXX XXXX had never expected me to pay this amount into my escrow balance but now my new loan servicer Freedom Mortgage is requiring. When I had called Freedom Mortgage and spoke with their escrow tax rep they explained that this amount was simply going to " sit '' in my escrow account and would only be used if either requested by myself or the county if in a delinquent status. I asked that they waive this payment requirement which they've submitted my request and is currently under review but have never by required to add this to my escrow before nor had I signed any recent paperwork with either XXXX XXXX or Freedom Mortgage that would require such and feel Freedom Mortgage needs to be further investigated.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called Equifax on XX/XX/XXXX asking to have XXXX accounts that were closed in XXXX and XXXX of XXXX to be removed. My old XXXX account was closed in XXXX of XXXX with first late payment being in XX/XX/XXXX. The XXXX account was paid off in XXXX of XXXX. Equifax is going off last activity which was when the account was paid off. Not when the first late payment was. The XXXX account was closed in XX/XX/XXXX with first late payment being in XX/XX/XXXX. Transunion and Experian both removed the accounts since they are showing first late payments in Sept/Oct XXXX. I asked Equifax to explain how I can show 120 days past due in XXXX of XXXX and 90 days past due in XXXX of XXXX. So, the first date of delinquency was XXXX before XXXX of XXXX. They said they are going off last activity and will not remove the XXXX late payments until XXXX of XXXX. I called XXXX and they no longer even show that I have these accounts. These accounts have been deleted from their system. Equifax is refusing to remove the account even after I spoke to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I've made various disputes about the late payment wells fargo auto services has on my transunion credit report. They not not provide any proof that the information is accurate, and Transunion makes checking this information almost IMPOSSIBLE. None of their websites work. They have 5 different sites with 5 different logins.... their emails have links that take you to blank pages. 

XXXX is a defunct company with almost XXXX accountability and customer service. 

The negative information needs to be removed from the report and they need to provide us a way to access this information from XXXXXXXX XXXX  and ONE ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 continues to report materially inaccurate and unverifiable information on my account across Experian, XXXX XXXX XXXX. XXXX has finished there " investigation '' and " corrections '' XX/XX/XXXX to still willfully reflect the following errors and violations. 

Summary of Errors : 1. Account status shows charge-off, yet a past-due balance of {$14000.00} remains reported. Reporting both simultaneously is inaccurate, misleading, and violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ).

2. Multiple late payments are incorrectly reported ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) the final reporting being after the vehicle was repossessed in XX/XX/XXXX. 

3. The total number of reported late payments is inaccurate.

4. Reporting is inconsistent across all three credit bureaus, demonstrating a failure to maintain accurate records.

These errors persist despite prior corrections and notices. This constitutes : A violation of the FCRA, including 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681e ( b ) for failing to ensure accurate and verifiable reporting.

FDCPA violations ( 15 U.S.C. 1692e ( 8 ) & 1692g ( b ) ) for reporting false or unverified account information.

Violations of Texas Business & Commerce Code 20.05, which prohibits furnishing false information with knowledge or reckless disregard for accuracy.

Demand : I request a full reinvestigation of this account by XXXX XXXX and all credit bureaus. 

All unverifiable late payments must be deleted or reverted to current. 

If the company can not provide verifiable documentation for the balance, status, or reported late payments, the entire account must be deleted immediately.

Continued reporting of inaccurate, conflicting, or unverifiable information constitutes willful noncompliance with federal and Texas state law, and may result in additional regulatory complaints or legal action.

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 2025-10-08 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: TX

Complaint narrative:
XXXX XXXX XXXX continues to report materially inaccurate and unverifiable information on my account across XXXX, Equifax, and XXXX. XXXX has finished there " investigation '' and " corrections '' XX/XX/XXXX to still willfully reflect the following errors and violations. 

Summary of Errors : 1. Account status shows charge-off, yet a past-due balance of {$14000.00} remains reported. Reporting both simultaneously is inaccurate, misleading, and violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ).

2. Multiple late payments are incorrectly reported ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) the final reporting being after the vehicle was repossessed in XX/XX/XXXX. 

3. The total number of reported late payments is inaccurate.

4. Reporting is inconsistent across all three credit bureaus, demonstrating a failure to maintain accurate records.

These errors persist despite prior corrections and notices. This constitutes : A violation of the FCRA, including 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681e ( b ) for failing to ensure accurate and verifiable reporting.

FDCPA violations ( 15 U.S.C. 1692e ( 8 ) & 1692g ( b ) ) for reporting false or unverified account information.

Violations of Texas Business & Commerce Code 20.05, which prohibits furnishing false information with knowledge or reckless disregard for accuracy. 

Demand : I request a full reinvestigation of this account by XXXX XXXX and all credit bureaus. 

All unverifiable late payments must be deleted or reverted to current. 

If the company can not provide verifiable documentation for the balance, status, or reported late payments, the entire account must be deleted immediately. 

Continued reporting of inaccurate, conflicting, or unverifiable information constitutes willful noncompliance with federal and Texas state law, and may result in additional regulatory complaints or legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
XXXX XXXX XXXX continues to report materially inaccurate and unverifiable information on my account across XXXX XXXX and TransUnion. XXXX has finished there " investigation '' and " corrections '' XX/XX/XXXX to still willfully reflect the following errors and violations. 

Summary of Errors : 1. Account status shows charge-off, yet a past-due balance of {$14000.00} remains reported. Reporting both simultaneously is inaccurate, misleading, and violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX. Multiple late payments are incorrectly reported ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) the final reporting being after the vehicle was repossessed in XX/XX/XXXX. 

3. The total number of reported late payments is inaccurate.

4. Reporting is inconsistent across all three credit bureaus, demonstrating a failure to maintain accurate records.

These errors persist despite prior corrections and notices. This constitutes : A violation of the FCRA, including 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681e ( b ) for failing to ensure accurate and verifiable reporting.

FDCPA violations ( 15 U.S.C. 1692e ( 8 ) & 1692g ( b ) ) for reporting false or unverified account information.

Violations of Texas Business & Commerce Code 20.05, which prohibits furnishing false information with knowledge or reckless disregard for accuracy. 

Demand : I request a full reinvestigation of this account by XXXX XXXX and all credit bureaus. 

All unverifiable late payments must be deleted or reverted to current. 

If the company can not provide verifiable documentation for the balance, status, or reported late payments, the entire account must be deleted immediately.

Continued reporting of inaccurate, conflicting, or unverifiable information constitutes willful noncompliance with federal and Texas state law, and may result in additional regulatory complaints or legal action.

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