vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
Subject : Formal Complaint and Demand for Oversight Systemic Violations of FCRA by Credit Bureaus & CFPB 's Failure to Enforce Consumer Protections To Whom It May Concern, This letter serves as a formal complaint against Experian as well as a notice of concern directed at the Consumer Financial Protection Bureau ( CFPB ) for failing to adequately regulate and enforce the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

Despite multiple disputes submitted to the credit bureau in accordance with 15 U.S.C. 1681i ( a ), the agency has repeatedly verified erroneous, outdated, and unverifiable information without conducting a reasonable reinvestigation, failing to provide the required method of verification, and refusing to remove items that are clearly in violation of the law.

This credit bureaus is in systemic violation of : FCRA 1681i ( a ) Failure to conduct reasonable reinvestigations FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681b ( f ) Allowing unauthorized inquiries and access to credit reports FCRA 1681i ( a ) ( 5 ) Failing to delete unverifiable information Furthermore, despite the CFPBs mandate to enforce these statutes, it has failed to hold the agency accountable for their repeated and willful noncompliance. This lack of enforcement has enabled the CRAs to continue using automated verification systems that blatantly disregard consumer rights, resulting in credit damage, financial hardship, and legal exposure for affected individuals. 


The bureau continues to violate federal law, disregard published court precedent such as : 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 and yet face no apparent consequence or directive to change these practices. The responsibility to protect consumers under the FCRA rests not only with the credit bureaus, but also with the CFPB as the primary enforcement body. To date, that responsibility has not been fulfilled in this case. 


This complaint demands : Immediate regulatory intervention into the reinvestigation practices of the CRAs A formal review of CFPB enforcement policy related to recurring FCRA violations A full investigation into the CRAs ' automated dispute systems and their compliance with federal law Written confirmation from the CFPB acknowledging receipt of this complaint and steps to be taken I am prepared to escalate this matter through additional channels, including the FTC, state attorneys general, and federal court, should the CFPB continue to fail in its legal duty to protect consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I saw that inaccurate late payments are still on my credit report, and I cant understand why. Even after refreshing my browser, nothing changed. Im extremely frustrated. 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 that the documents Ive submitted be reviewed thoroughly so I can finally stop stressing about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: OH

Complaint narrative:
On my payment history with Selene Finance someone or something is paying our mortgage. I have checked and checked again. It is not coming out of my bank account. We have been making our own payment towards the mortgage just incase they decide to take alll that money back. I have called XXXX times now over the last month and a half and all they say is we will send a request to our cashier. Nothing ever comes of it and Im forced to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-15 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: NC

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against TransUnion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX with XXXX reported as XXXX XXXX XXXX  days late in XXXX, XXXX, XXXX and XXXX XXXX with lates reported as XXXX  days XXXX in XX/XX/year> These XXXX payments notation is the direct result of the furnishers internal reporting with lates reported as XXXXXXXX XXXX XXXX days late in errors. I never failed to make timely payments on this account. The bank misreported my payment history to TransUnion, yet TransUnion continues to publish this inaccurate information on my credit file. I previously disputed this inaccuracy with TransUnion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. TransUnion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA XXXX81s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, TransUnions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-15 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: DE

Complaint narrative:
I have made countless attempts to dispute inaccurate information on my credit report. The companies continue to report the same information without validation of the account ( XXXX ). My information was leaked during the cash app data breach which I have made note of. These companies as well as the credit reporting agencies are violating 15 USC 1681, to the extent all accounts aren't listed on every credit bureau so how can this be true and fair. Please remove the following accounts from all XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: DE

Complaint narrative:
I have made countless attempts to dispute inaccurate information on my credit report. The companies continue to report the same information without validation of the account ( XXXX ). My information was leaked during the cash app data breach which I have made note of. These companies as well as the credit reporting agencies are violating 15 USC 1681, to the extent all accounts aren't listed on every credit bureau so how can this be true and fair. Please remove the following accounts from all XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurateXXXX XXXX  XXXX XXXX  - The following personal information is incorrect- The personal data reporting is inaccurate.EMPLOYER - XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

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 2025-08-15 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 FILED A COMPLAINT ON XX/XX/year> THAT HAS STILL NOT BEEN RESOLVED. I SPOKE WITH XXXX IN EXPERIAN 'S FRAUD DEPARTMENT ON XX/XX/year> AND SHE REFUSED TO REMOVE THE ACCOUNTS FROM MY CONSUMER REPORT I AM A VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS ARE ALL FRAUDULENT AND NEVER AUTHORIZED BY ME. THESE ACCOUNTS AND INQUIRIES NEED TO BE PERMANENTLY DELETED FROM MY CREDIT REPORT IMMEDIATELY.... 

XXXX XXXX AUTO XXXX WFBNA CARD XXXX * * * * DISCOVERCARD XXXX * * * * MACYS/CBNA XXXX * * * * IN ACCORDANCE WITH FEDERAL LAW XXXX XXXX. XXXX THESE ACCOUNTS WERE NEVER AUTHORIZED IN WRITING XXXX XXXX. XXXX THESE ACCOUNTS WERE TO BE REMOVED NO LATER THAN XXXX BUSINESS DAYS FROM THE TIME OF RECEIPT BY SUCH AGENCY XXXX Treasury XXXX XXXX XXXX XXXX CLARIFIES THAT DISCHARGE OF INDEBTEDNESS OR CHARGE OFFS ARE CONSIDERED INCOME. ANY AMOUNT MORE THAN {$600.00} XXXX XXXX. XXXX CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE CAN RESULT IN ACTUAL DAMAGES THAT THE CONSUMER CAN RECOVER XXXX XXXX. XXXX STATUTORY DAMAGES UP TO {$1000.00} PER VIOLATION IF A COMPANY WILLFULLY VIOLATES THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
I FILED A COMPLAINT ON XX/XX/year> THAT HAS STILL NOT BEEN RESOLVED. I SPOKE WITH XXXX IN EXPERIAN 'S FRAUD DEPARTMENT ON XX/XX/year> AND SHE REFUSED TO REMOVE THE ACCOUNTS FROM MY CONSUMER REPORT I AM A VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS ARE ALL FRAUDULENT AND NEVER AUTHORIZED BY ME. THESE ACCOUNTS AND INQUIRIES NEED TO BE PERMANENTLY DELETED FROM MY CREDIT REPORT IMMEDIATELY.... 

XXXX XXXX AUTO XXXX WFBNA CARD XXXX * * * * DISCOVERCARD XXXX * * * * MACYS/CBNA XXXX * * * * IN ACCORDANCE WITH FEDERAL LAW XXXX XXXX. XXXX THESE ACCOUNTS WERE NEVER AUTHORIZED IN WRITING XXXX XXXX. XXXX THESE ACCOUNTS WERE TO BE REMOVED NO LATER THAN XXXX BUSINESS DAYS FROM THE TIME OF RECEIPT BY SUCH AGENCY XXXX Treasury XXXX XXXX XXXX XXXX CLARIFIES THAT DISCHARGE OF INDEBTEDNESS OR CHARGE OFFS ARE CONSIDERED INCOME. ANY AMOUNT MORE THAN {$600.00} XXXX XXXX. XXXX CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE CAN RESULT IN ACTUAL DAMAGES THAT THE CONSUMER CAN RECOVER XXXX XXXX. XXXX STATUTORY DAMAGES UP TO {$1000.00} PER VIOLATION IF A COMPANY WILLFULLY VIOLATES THE FAIR CREDIT REPORTING ACT

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
The company lowered my credit limit from original limit which caused me emotional stress. The card was for {$12000.00} my balance owed was {$2900.00} they lowered my new limit to {$3000.00} that caused me to be 97 % on this new limit. I lost XXXX points on my credit score. The card was for XXXX interest for 21 months ; I only had the card for XXXX months. I have 100 % of payments on time, not missed a payment and the reason they gave was very weak. I was late the first of XXXX because I was on a cruise, that's the first time. 
This has upset me emotionally because I have a great credit record of payments. It would not been bad if they did not lower my limit to where it put me in a bad position with using 97 % of the card. This is a hardship for me as I spoke with them and they just overlooked it as so what.

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 2025-08-15 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: CO

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to XXXXXXXX XXXX XXXX Equifax XXXX XXXX  regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report this morning and discovered inaccurate accounts that shouldnt be there. I dont know how these errors appeared, as my report had been accurate before. Refreshing my browser didnt resolve the issue, which proves it wasnt just a glitch. Because of this, Im asking that the documents I submitted be reviewed in detail to ensure this problem is permanently resolved.

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