vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
The dispute has been on my credit report for more than 7 years and is past the allowance date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX -Balance {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: GA

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

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 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 XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and 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 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. The supporting documents are enclosed to validate my claim.

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 2025-09-02 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: PA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies on my credit report that have caused significant harm to my creditworthiness, financial stability, and personal peace of mind. I have identified several accounts, inquiries, and addresses that are incorrect, incomplete, or improperly reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including sections 1681i ( duty to reinvestigate disputed information ), 1681e ( b ) ( accuracy of reporting ), and 1681s-2 ( a ) ( responsibilities of furnishers ). These inaccuracies have resulted in improper late payments, charge-offs, collections, and unauthorized inquiries appearing on my credit report, all of which I dispute and request immediate correction or deletion. 

Account XXXX XXXX  XXXX # XXXX Date Opened : XX/XX/year> | Credit Limit : {$300.00} | Reported Issue : Late Payments The late payments reported on this account are entirely inaccurate and unsupported by any verified documentation. FCRA 1681i ( a ) ( 1 ) ( A ) requires the credit bureau to conduct a reasonable reinvestigation of any disputed information, yet these false late payments remain. I have maintained timely payments as confirmed by my bank statements. The repeated reporting of these false delinquencies has caused unjust harm to my credit score, leading to denied credit applications and higher interest rates. Furthermore, the furnishers failure to ensure accurate reporting violates FCRA 1681s-2 ( b ), which mandates furnishers to report only correct and verifiable information. I demand immediate deletion of all late payment entries and confirmation of correction.

I request that CFPB assist in enforcing my rights under the FCRA and ensure that these inaccurate accounts, addresses, and inquiries are corrected or deleted. These items have caused financial damage, credit denials, higher interest rates, and emotional distress. I seek immediate reinvestigation, verification, and correction of all listed items and demand a written confirmation of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Complaint Narrative : I am filing this complaint because XXXX  and TransUnion are inaccurately reporting a XXXX late payment on my XXXX ( XXXX ) personal loan account, even though the account is current and has been paid as agreed. 

Account details : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Monthly Payment : {$58.00} Balance : {$800.00} Status : Current / Paid as agreed Despite the account being active and current, XXXX  and TransUnion have listed derogatory XXXX late marks ( XX/XX/XXXX ). This is completely inaccurate and damaging to my credit profile. XXXX correctly shows the account as positive, which further proves the inconsistency. 

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Consumer reports must ensure maximum possible accuracy.

604 ( 15 U.S.C. 1681b ) No permissible purpose exists to report false derogatory information.

605 ( 15 U.S.C. 1681c ) Prohibits the inclusion of inaccurate or false late payment data.

607 ( 15 U.S.C. 1681e ) Credit bureaus must maintain reasonable procedures to assure accuracy.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed data within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers like XXXX from reporting information they know or should know is inaccurate. 

Fair Debt Collection Practices Act ( FDCPA ) : 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading representations.

808 ( 15 U.S.C. 1692f ) Prohibits unfair practices.

Truth in Lending Act ( TILA ) : Requires accurate and truthful disclosure of credit obligations. Reporting false late payments violates this standard.

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 2025-09-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Complaint Narrative : I am filing this complaint because XXXX  and TransUnion are inaccurately reporting false late payments on my XXXX  XXXX credit card account, while XXXX  correctly shows the account as positive and current. 

Account details : Creditor : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Limit : {$750.00} Balance : {$610.00} Status : Current / Positive Despite the account being paid on time and in good standing, XXXX  and TransUnion are reporting derogatory late payments ( 30 and 60 days past due during XXXX ). These marks are false, misleading, and unlawful.

Why this matters : False derogatory marks significantly lower my credit score. 

XXXX  reporting proves the account is current, which shows inconsistencies between bureaus. 

I never authorized the reporting of inaccurate information.

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Credit reports must be accurate.

605 ( 15 U.S.C. 1681c ) Prohibits inaccurate derogatory information.

607 ( 15 U.S.C. 1681e ) Bureaus must implement reasonable procedures to assure accuracy.

609 ( 15 U.S.C. 1681g ) Grants right to full disclosure of account information.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed data within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers like XXXX XXXX from reporting information they know or should know is inaccurate.

FDCPA ( Fair Debt Collection Practices Act ) : 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading credit reporting.

808 ( 15 U.S.C. 1692f ) Prohibits unfair practices.

Truth in Lending Act ( TILA ) : Requires accurate disclosure of credit obligations; misreporting late payments is a violation.

Gramm-Leach-Bliley Act ( GLBA ) : Requires safeguarding of consumer financial data; reporting false derogatory data violates this.

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 2025-09-02 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: NJ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate items appearing on my credit report. These inaccuracies include incorrect addresses and account information, which have negatively impacted my creditworthiness, financial opportunities, and credit score. I request that CFPB investigate these issues and ensure that all inaccurate information is corrected or removed promptly. 

XXXX XXXX XXXX XXXX XXXX  Late Payment ( Date Opened : XX/XX/year>, Balance : {$0.00} ) XXXX XXXX This mortgage account falsely reflects a late payment despite all payments being made on time and in full. Reporting it as late violates FCRA 611, which mandates reasonable procedures to maintain maximum accuracy of reported information. The incorrect reporting affects my creditworthiness, misleads lenders regarding my reliability, and could result in denial of loans or higher interest rates. It also creates undue stress and reputational harm. I demand immediate reinvestigation and removal if verification can not be substantiated, as continuing to report this false late payment demonstrates a clear failure to comply with federal law and harms my financial standing.

I formally request that the Consumer Financial Protection Bureau ( CFPB ) ensure a full reinvestigation of all the above-listed inaccurate addresses and accounts. Only accurate information should remain on my credit report. These false items have harmed my financial opportunities, creditworthiness, and credit score. I urge CFPB to take immediate action to correct or remove all inaccurate information and protect my rights under the Fair Credit Reporting Act and related laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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