vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX XXXX 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 Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MI

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-09-29 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-29 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Midland Credit contacted me on several occasions, a few I answered and a few I didn't. I talked to a guy and was told I owed {$1100.00} for a credit card ( XXXX  ) I have never heard of. On occasions I received voicemails saying " This is an attempt to collect a debt and legal actions could be taken against me. '' I can't remember the dates but I certainly remember the voice. I told the guy to send me proof that I used this card and never received anything. He couldn't tell me whether the card was done online or what. I googled a XXXX  card the interest rates and terms are crazy and I never would have gotten a card like that. I got an alert that this collection was added to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: VA

Complaint narrative:
Subject : Request for Assistance with Unmanageable Loan Terms from XXXX XXXX To Whom It May Concern, I am submitting this complaint regarding a personal loan I obtained through XXXX XXXX, which has become financially unmanageable due to the structure of the repayment terms and the lack of long-term relief options. 

After successfully repaying my initial loan, I opened a second loan with XXXX XXXX. The terms of this loan are as follows : - Principal Amount : {$25000.00} - Origination Fee : {$1200.00} - Amount Disbursed : {$24000.00} - Interest Rate : 15.63 % - Payment Schedule : 59 monthly payments of {$610.00}, followed by a final payment covering any remaining balance, interest, and fees. 

Initially, I was placed on a six-month reduced payment plan of XXXX XXXXmonth, which I was able to manage. However, that option has expired, and I am now expected to resume payments of XXXX XXXXXXXXmonth. This amount is not feasible for me given my current financial situation. I have reached out to XXXX XXXX to explore alternative solutions, but they have not offered any long-term restructuring options or meaningful relief.

I am requesting the following : - A reduction of my loan balance to {$10000.00}, reflecting a more realistic repayment amount.

- A revised monthly payment of {$200.00}, which I can reasonably afford. 
- A 4-month payment deferral to allow me time to stabilize financially before resuming payments.

I am committed to repaying this loan responsibly, but the current terms are punitive and unsustainable. The high fees and lack of flexibility have left me feeling trapped. I am asking for the Consumer Financial Protection Bureaus assistance in advocating for a fair and compassionate resolution.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hi, I am trying to close my bank account, but I can not do so as everytime I call to bank of america they say that the only verification method available to me is the sms. I don't live in the US, I currently live in XXXX so the phone number that is link to my account is not available anymore. I never could change it as the bank request a US phone number and it does not accept an international number.

I have not access to my mobile banking as they revoqued me the access when I tried to move my savings to another international account. In this moment, my current balance is almost XXXX. Probably, there are less than XXXX dollars in there. I suppose they will detract XXXX dollars this month to cover the monthly fee tax, after that the account will remain empty. I need to close my account as I won't use it anymore.

I can not close the account by the phone as they say they can not verify my identity if not with the sms. They said I need to go to a bank office to get a solution. I can not book an appoinment in person as I can not travel to the US in this moment. 
Please I need somebody from Bank of America to call me to my phone number in XXXX to close the account. 
Thanks.

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 2025-09-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NC

Complaint narrative:
I have attempted to make a payment for my loans 5 times, and each time it has been reversed with no reasoning ( even after contacting edfinancial services ). 
First payment was attempted on XX/XX/year>, but was reversed without notifying me. This put my interest payment at a level I was unable to pay off at the time, resulting in further payment delinquency, even higher past due payments, and adverse affects to my credit score.

I finally have a job with a wage that allows me to catch up with the large amount due that has resulted from their unexplained reversal of payments and have repeatedly tried to make the payment.

In the past month, I have attempted to a payment 4 times on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> In my account history, I have reversed payments on each of those dates, implying it was an immediate reversal, despite me being given the information that the payment had been made.

On the phone with Edfinancial Services ( XX/XX/year> ), I was told that it was an issue with my bank and my only option was to call them and apply for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
In XX/XX/2025, RoundPoint renewed an insurance policy costing approximately {$10000.00}, about double the cost of my existing homeowners insurance, even though my prior policy was active and in force. This was done without my consent or knowledge.

Because of that unauthorized renewal, my escrow balance was inflated, and my monthly mortgage payment was increased from {$1500.00} to {$2600.00}. To correct the situation, I was
forced to pay RoundPoint {$9000.00} to cure the escrow shortage they created, and I also paid in cash for my valid homeowners insurance for the year.

Even after doing so : My payments ( which are sent automatically and have never been late ) are being held in suspense instead of applied, creating a false appearance of delinquency.

My request to waive escrow was denied on the basis of late payments, even though no payments were latethe only reason any discrepancy exists is due to RoundPoints misapplication.

I was promised an expedited audit of escrow/waiver errors ; that audit has not been completed.

RoundPoint continues to demand I pay the inflated XXXX XXXXXXXX/month, plus additional arrears for last month, even though I have made all payments timely.

Requested Resolution I request that RoundPoint : Apply all suspended payments correctly and immediately.

Confirm in writing that my loan is current and not in default.

Remove all false late payment flags or notations.

Complete the escrow waiver analysis promptly and reduce my payment to {$920.00} as promised.

Explain how and why RoundPoint believed it could renew an insurance policy without my authorization while a valid policy was already active, and take corrective steps to prevent this from happening again.

Supporting Documents / Evidence If required, I can provide bank statements showing all mortgage payments were made on time, and proof of my active homeowners insurance coverage at the time of the unauthorized renewal. I also have the emails and communication logs with RoundPoint, and the amounts I paid them ( {$9000.00} plus full coverage of my policy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AL

Complaint narrative:
My wallet got stole. I ordered a new card. Cash app sent me a new card. I try to activate the card it wouldn't activate. Account for support, they said for some reason we can't give you no information but the cards no good. And you can't activate it but you can keep using cash app which is stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
On the morning of XX/XX/XXXX, I woke up to find that my vehicle had been removed. I thought it had been stolen, but when I called XXXX I was told it was removed and I would have to call the finance company, XXXX XXXX. The also provided me information for a company has not been responsive at all. Once learning of the issue, I logged on line immediately and made the payment for {$1100.00}. Since that day I have been calling the number advisedXXXX  every day since to find out how to retrieve my vehicle. The number they provided when I all the finance company is inoperable.. I have been on hold for up to XXXX hours at a time on several phones simuatioulsy and still no one picks up the phone. The number the police department provided to a company called XXXX XXXX does not exist. Ive also called other towing companies to see if they have heard of this towing company and everyone says they have never heard of them. the number provided for the towing company is XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
On XX/XX/2025, XXXX XXXX XXXX placed a XXXX  inquiry on my Equifax credit report. However, I had already withdrawn my personal loan application with XXXX  on XX/XX/2025, before any loan was approved, originated, or disbursed.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer report may only be obtained and maintained for a permissible purpose. While I initially authorized XXXX  to access my credit report when I applied, that authorization ended once I formally withdrew my application. Because no credit relationship was ever established, the continued reporting of this XXXX  inquiry does not meet the permissible purpose standard. 

I contacted XXXX multiple times ( via email, phone, and letters ) to request the removal of the inquiry or, alternatively, written documentation of their permissible purpose. I specifically asked for : ( XXXX ) a copy of my original loan application, ( XXXX ) any credit authorization I provided, ( XXXX ) internal records showing my withdrawal request and its processing, and ( XXXX ) documentation of the permissible purpose they rely upon. XXXX has not provided these records and has stated that the inquiry will remain. 

Despite my withdrawal, the XXXX  inquiry remains on my credit report without proper justification. This has caused ongoing harm to my credit profile and raises serious compliance concerns under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX. 

Subject : Credit Report Dispute for Paid Student Loan ( s ) Re : Dispute of Inaccurate Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information currently appearing on my credit report. Upon reviewing my report from your bureau, I noticed that one or more of my student loan accounts are still being reported as unpaid or derogatory, despite having been paid in full.

Account ( s ) in question : Loan Servicer : XXXX  ( NMLS # XXXX ) Account Number ( s ) : XXXX Date Paid in Full : XX/XX/year> This information is inaccurate and outdated and does not reflect the current status of my loan repayment. I have attached documentation verifying that the above loan ( s ) have been paid in full, including [ e.g., payment confirmation letters, XXXX balance statements, or paid-in-full letters from the loan servicer ].

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. I respectfully request that your agency : Investigate the accuracy of the information listed above.

Update my credit report to reflect a Paid in Full or Closed Paid as Agreed status for the referenced account ( s ).

Remove any negative notations or delinquent remarks related to these paid accounts.

Please provide written confirmation of your findings and any changes made to my credit report. If you require further information from my loan servicer, I am happy to provide additional documentation or contact information as needed.

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe as required by law. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed items highlighted Proof of loan payoff / Paid-in-full letter ( s )

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 2025-09-29 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief